- ISIN
- US8085091788
- CUSIP
- 808509178
- Issuer
- Charles Schwab
- Inception Date
- Jan 22, 2013
- Category
- Target Retirement Date
- Min. Investment
- $0
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
SWORX Performance Chart
Schwab Target 2055 Fund (SWORX) is up 11.2% since the beginning of the year. SWORX is currently trading at $22 per share. Investors who bought $1,000 worth of SWORX shares 5 years ago would now be looking at an investment worth $1,576.
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Returns By Period
Schwab Target 2055 Fund (SWORX) has returned 11.20% so far this year and 26.54% over the past 12 months. Over the last ten years, SWORX has returned 11.39% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Schwab Target 2055 Fund
- 1D
- 1.15%
- 1M
- 1.43%
- YTD
- 11.20%
- 6M
- 10.97%
- 1Y
- 26.54%
- 3Y*
- 17.63%
- 5Y*
- 9.53%
- 10Y*
- 11.39%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
SWORX Monthly Returns History
Based on dividend-adjusted daily data since Jan 23, 2013, SWORX's average daily return is +0.04%, while the average monthly return is +0.91%. At this rate, an investment would double in approximately 6.4 years.
Historically, 68% of months were positive and 32% were negative. The best month was Nov 2020 with a return of +11.1%, while the worst month was Mar 2020 at -14.9%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, SWORX closed higher 53% of trading days. The best single day was Dec 29, 2022 with a return of +8.5%, while the worst single day was Mar 16, 2020 at -11.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.24% | 2.11% | -6.49% | 8.53% | 3.88% | 0.05% | 11.20% | ||||||
| 2025 | 3.26% | -0.51% | -3.52% | 0.65% | 4.96% | 4.34% | 0.43% | 3.19% | 3.09% | 1.70% | 0.39% | 0.77% | 20.10% |
| 2024 | -0.06% | 4.31% | 2.96% | -3.83% | 4.48% | 1.43% | 2.06% | 2.30% | 1.63% | -2.33% | 3.97% | -3.25% | 14.04% |
| 2023 | 7.81% | -2.93% | 2.23% | 1.05% | -0.97% | 5.68% | 3.25% | -2.64% | -4.43% | -3.25% | 8.79% | 5.54% | 20.77% |
| 2022 | -5.44% | -3.17% | 1.39% | -7.83% | 0.39% | -8.33% | 7.11% | -4.34% | -9.48% | 6.07% | 7.80% | -4.08% | -19.88% |
| 2021 | -0.25% | 2.94% | 2.37% | 4.56% | 1.42% | 1.40% | 0.88% | 2.35% | -4.22% | 4.46% | -2.51% | 3.85% | 18.22% |
Benchmark Metrics
Schwab Target 2055 Fund has an annualized alpha of -0.27%, beta of 0.86, and R2 of 0.86 versus S&P 500 Index. Calculated based on daily prices since January 23, 2013.
- This fund participated in 95.37% of S&P 500 Index downside but only 87.36% of its upside - more exposed to losses than it benefited from rallies.
- With beta of 0.86 and R2 of 0.86, this fund moves broadly in line with S&P 500 Index - much of its variation is explained by market exposure rather than independent behavior.
- Alpha
- -0.27%
- Beta
- 0.86
- R²
- 0.86
- Upside Capture
- 87.36%
- Downside Capture
- 95.37%
Expense Ratio
SWORX has an expense ratio of 0.00%, meaning no management fees are charged.
Return for Risk
Risk / Return Rank
SWORX ranks 59 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Schwab Target 2055 Fund (SWORX) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SWORX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.05 | ||
| Sortino ratioReturn per unit of downside risk | +0.11 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.37 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.78 | 2.78 | -0.01 |
| Martin ratioReturn relative to average drawdown | 12.04 | 12.44 | -0.40 |
Dividends
Dividend History
Schwab Target 2055 Fund provided a 3.98% dividend yield over the last twelve months, with an annual payout of $0.87 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.87 | $0.87 | $0.59 | $0.52 | $1.12 | $0.95 | $0.36 | $0.73 | $0.77 | $0.39 | $0.62 | $0.69 |
Dividend yield | 3.98% | 4.43% | 3.44% | 3.31% | 8.42% | 5.25% | 2.23% | 5.15% | 6.43% | 2.74% | 5.19% | 5.85% |
Monthly Dividends
The table displays the monthly dividend distributions for Schwab Target 2055 Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.87 | $0.87 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.59 | $0.59 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.52 | $0.52 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.12 | $1.12 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.95 | $0.95 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Schwab Target 2055 Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Schwab Target 2055 Fund was 32.13%, occurring on Mar 20, 2020. Recovery took 109 trading sessions.
The current Schwab Target 2055 Fund drawdown is 0.41%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -32.13%Mar 2020 | 29d | 5mo 8d | 6mo 7dFeb 2020 - Aug 2020 |
Bear market2022 | -31.07%Oct 2022 | 9mo 17d | 1y 8mo | 2y 5moDec 2021 - Jun 2024 |
Rate-hike selloffLate 2018 | -19.17%Dec 2018 | 10mo 25d | 10mo 18d | 1y 9moJan 2018 - Nov 2019 |
2016 correction2016 | -17.87%Feb 2016 | 8mo 25d | 10mo | 1y 6moMay 2015 - Dec 2016 |
2025 selloff2025 | -15.50%Apr 2025 | 1mo 18d | 1mo 25d | 3mo 13dFeb 2025 - Jun 2025 |
Drawdown Indicators
| SWORX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.13% | -56.78% | +24.65% |
Max Drawdown (1Y)Largest decline over 1 year | -9.42% | -9.10% | -0.32% |
Max Drawdown (3Y)Largest decline over 3 years | -15.50% | -18.90% | +3.40% |
Max Drawdown (5Y)Largest decline over 5 years | -31.07% | -25.43% | -5.64% |
Max Drawdown (10Y)Largest decline over 10 years | -32.13% | -33.92% | +1.79% |
Current DrawdownCurrent decline from peak | -0.41% | -1.80% | +1.39% |
Average DrawdownAverage peak-to-trough decline | -5.51% | -10.71% | +5.20% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.17% | 2.03% | +0.14% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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