Schwab Target 2025 Index Fund (SWYDX)
The fund seeks to achieve its investment objective by investing primarily in affiliated Schwab exchange-traded funds (ETFs). It has a policy to invest, under normal circumstances, at least 80% of its assets (net assets, including, for this purpose, any borrowings for investment purposes) in underlying funds that are managed to seek investment returns that track particular market indices. The fund is managed based on the specific retirement date (target date) included in its name and assumes a retirement age of 65.
Fund Info
| ISIN | US80850L8090 |
|---|---|
| Issuer | Schwab Funds |
| Inception Date | Aug 24, 2016 |
| Category | Target Retirement Date |
| Min. Investment | $0 |
| Asset Class | Multi-Asset |
Asset Class Size | Large-Cap |
Asset Class Style | Blend |
Expense Ratio
SWYDX has an expense ratio of 0.04%, which is considered low compared to other funds.
Share Price Chart
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Compare to other instruments
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Popular comparisons: SWYDX vs. QQQ, SWYDX vs. VTSAX
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Schwab Target 2025 Index Fund, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
Schwab Target 2025 Index Fund had a return of 9.82% year-to-date (YTD) and 16.06% in the last 12 months.
| Period | Return | Benchmark |
|---|---|---|
| Year-To-Date | 9.82% | 18.10% |
| 1 month | 2.53% | 1.42% |
| 6 months | 7.54% | 10.08% |
| 1 year | 16.06% | 26.58% |
| 5 years (annualized) | 6.75% | 13.42% |
| 10 years (annualized) | N/A | 10.87% |
Monthly Returns
The table below presents the monthly returns of SWYDX, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | 0.07% | 1.47% | 1.88% | -3.12% | 2.49% | 1.93% | 2.31% | 1.64% | 9.82% | ||||
| 2023 | 5.47% | -2.63% | 2.46% | 0.93% | -0.92% | 2.95% | 1.66% | -1.56% | -3.39% | -1.95% | 6.52% | 4.41% | 14.22% |
| 2022 | -3.54% | -1.83% | 0.36% | -5.79% | 0.30% | -5.07% | 5.26% | -3.56% | -6.99% | 3.29% | 5.48% | -2.82% | -14.78% |
| 2021 | -0.52% | 0.89% | 1.32% | 2.68% | 0.85% | 1.12% | 1.17% | 1.16% | -2.63% | 2.91% | -1.08% | 2.06% | 10.24% |
| 2020 | 0.16% | -3.48% | -8.31% | 6.96% | 2.91% | 1.83% | 3.19% | 2.93% | -1.69% | -1.49% | 7.15% | 2.62% | 12.37% |
| 2019 | 5.21% | 1.62% | 1.51% | 1.92% | -2.74% | 4.14% | 0.34% | -0.08% | 1.10% | 1.50% | 1.48% | 1.66% | 18.89% |
| 2018 | 2.66% | -2.94% | -0.53% | 0.18% | 0.98% | 0.00% | 1.77% | 1.22% | -0.09% | -4.64% | 1.26% | -3.95% | -4.29% |
| 2017 | 1.60% | 1.97% | 0.58% | 1.06% | 1.33% | 0.47% | 1.49% | 0.37% | 1.28% | 1.18% | 1.43% | 0.88% | 14.53% |
| 2016 | 0.20% | 0.30% | -1.60% | 0.71% | 1.40% | 0.99% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current risk-adjusted rank of SWYDX is 75, placing it in the top 25% of mutual funds on our website in terms of risk-adjusted performance. This ranking is based on the combined values of the indicators listed below.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for Schwab Target 2025 Index Fund (SWYDX) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
Schwab Target 2025 Index Fund granted a 2.35% dividend yield in the last twelve months. The annual payout for that period amounted to $0.35 per share.
| Period | TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.35 | $0.35 | $0.28 | $0.28 | $0.24 | $0.23 | $0.23 | $0.15 | $0.08 |
Dividend yield | 2.35% | 2.59% | 2.32% | 1.92% | 1.79% | 1.91% | 2.22% | 1.33% | 0.79% |
Monthly Dividends
The table displays the monthly dividend distributions for Schwab Target 2025 Index 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | |||
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.35 | $0.35 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.28 | $0.28 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.28 | $0.28 |
| 2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.24 | $0.24 |
| 2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.23 | $0.23 |
| 2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.23 | $0.23 |
| 2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.15 | $0.15 |
| 2016 | $0.08 | $0.08 |
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.
Worst Drawdowns
The table below displays the maximum drawdowns of the Schwab Target 2025 Index 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 2025 Index Fund was 20.49%, occurring on Mar 18, 2020. Recovery took 87 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -20.49% | Feb 20, 2020 | 20 | Mar 18, 2020 | 87 | Jul 22, 2020 | 107 |
| -20.43% | Nov 10, 2021 | 234 | Oct 14, 2022 | 359 | Mar 21, 2024 | 593 |
| -10.67% | Jan 29, 2018 | 229 | Dec 24, 2018 | 59 | Mar 21, 2019 | 288 |
| -4.48% | Sep 3, 2020 | 14 | Sep 23, 2020 | 33 | Nov 9, 2020 | 47 |
| -3.54% | Mar 28, 2024 | 15 | Apr 18, 2024 | 19 | May 15, 2024 | 34 |
Volatility
Volatility Chart
The current Schwab Target 2025 Index Fund volatility is 1.66%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.