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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.
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Returns By Period
Schwab Target 2025 Index Fund (SWYDX) has returned -2.02% so far this year and 9.34% over the past 12 months.
Schwab Target 2025 Index Fund
- 1D
- 0.13%
- 1M
- -4.69%
- YTD
- -2.02%
- 6M
- -0.30%
- 1Y
- 9.34%
- 3Y*
- 9.24%
- 5Y*
- 4.85%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Aug 30, 2016, SWYDX's average daily return is +0.03%, while the average monthly return is +0.57%. At this rate, your investment would double in approximately 10.2 years.
Historically, 70% of months were positive and 30% were negative. The best month was Nov 2020 with a return of +7.2%, while the worst month was Mar 2020 at -8.3%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, SWYDX closed higher 51% of trading days. The best single day was Mar 13, 2020 with a return of +4.7%, while the worst single day was Mar 12, 2020 at -7.3%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.30% | 1.48% | -4.69% | -2.02% | |||||||||
| 2025 | 1.81% | 0.96% | -1.83% | 0.35% | 2.13% | 2.69% | 0.46% | 1.89% | 1.79% | 1.13% | 0.50% | 0.12% | 12.60% |
| 2024 | -0.15% | 1.47% | 1.88% | -3.12% | 3.07% | 1.35% | 2.31% | 1.85% | 1.61% | -2.12% | 2.84% | -2.44% | 8.62% |
| 2023 | 5.47% | -2.63% | 2.46% | 0.93% | -0.92% | 2.95% | 1.66% | -1.56% | -3.39% | -1.95% | 6.52% | 4.64% | 14.47% |
| 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 | -0.51% | 0.89% | 1.32% | 2.68% | 0.85% | 1.12% | 1.17% | 1.16% | -2.63% | 2.91% | -1.08% | 2.06% | 10.24% |
Benchmark Metrics
Schwab Target 2025 Index Fund has an annualized alpha of 0.66%, beta of 0.49, and R² of 0.83 versus S&P 500 Index. Calculated based on daily prices since August 31, 2016.
- This fund participated in 63.86% of S&P 500 Index downside but only 53.07% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.49 indicates this fund moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 0.66%
- Beta
- 0.49
- R²
- 0.83
- Upside Capture
- 53.07%
- Downside Capture
- 63.86%
Expense Ratio
SWYDX has an expense ratio of 0.04%, which is considered low.
Return for Risk
Risk / Return Rank
SWYDX ranks 68 for risk / return — better than 68% of mutual funds on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Schwab Target 2025 Index Fund (SWYDX) and compare them to a chosen benchmark (S&P 500 Index).
| SWYDX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 0.90 | +0.30 |
Sortino ratioReturn per unit of downside risk | 1.72 | 1.39 | +0.34 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.21 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.56 | 1.40 | +0.16 |
Martin ratioReturn relative to average drawdown | 7.07 | 6.61 | +0.46 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore SWYDX risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
Schwab Target 2025 Index Fund provided a 5.48% dividend yield over the last twelve months, with an annual payout of $0.82 per share. The fund has been increasing its distributions for 6 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.82 | $0.82 | $0.49 | $0.35 | $0.28 | $0.28 | $0.24 | $0.23 | $0.00 | $0.15 | $0.08 |
Dividend yield | 5.48% | 5.37% | 3.41% | 2.58% | 2.32% | 1.92% | 1.79% | 1.91% | 0.00% | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $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 | $0.82 | $0.82 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.49 | $0.49 |
| 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 |
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 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.
The current Schwab Target 2025 Index Fund drawdown is 4.81%.
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 | 120 | Jun 18, 2019 | 349 |
| -7.22% | Dec 9, 2024 | 82 | Apr 8, 2025 | 26 | May 15, 2025 | 108 |
| -4.94% | Feb 26, 2026 | 22 | Mar 27, 2026 | — | — | — |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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