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
US80850L8090
Aug 24, 2016
$0
Large-Cap
Blend
Expense Ratio
SWYDX has an expense ratio of 0.04%, which is considered low.
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
Schwab Target 2025 Index Fund (SWYDX) returned 3.55% year-to-date (YTD) and 8.15% over the past 12 months.
SWYDX
3.55%
5.01%
2.30%
8.15%
7.69%
7.16%
N/A
^GSPC (Benchmark)
1.00%
12.45%
0.40%
11.91%
15.05%
15.04%
10.82%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 1.81% | 0.96% | -1.83% | 0.35% | 2.27% | 3.55% | |||||||
| 2024 | 0.07% | 1.47% | 1.88% | -3.12% | 3.07% | 1.35% | 2.31% | 1.85% | 1.61% | -2.12% | 2.84% | -2.83% | 8.42% |
| 2023 | 5.47% | -2.63% | 2.46% | 0.93% | -0.92% | 2.95% | 1.66% | -1.56% | -3.39% | -1.95% | 6.52% | 4.42% | 14.22% |
| 2022 | -3.53% | -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% | 1.91% | 10.08% |
| 2020 | 0.16% | -3.48% | -8.31% | 6.96% | 2.91% | 1.83% | 3.19% | 2.93% | -1.69% | -1.49% | 7.15% | 2.51% | 12.24% |
| 2019 | 5.21% | 1.62% | 1.51% | 1.92% | -2.74% | 4.14% | 0.34% | -0.08% | 1.10% | 1.50% | 1.48% | 1.65% | 18.88% |
| 2018 | 2.66% | -2.94% | -0.53% | 0.18% | 0.98% | 0.00% | 1.77% | 1.22% | -0.09% | -4.64% | 1.26% | -6.05% | -6.38% |
| 2017 | 1.60% | 1.97% | 0.58% | 1.06% | 1.33% | 0.47% | 1.49% | 0.37% | 1.28% | 1.18% | 1.43% | -0.44% | 13.03% |
| 2016 | 0.20% | 0.30% | -1.60% | 0.71% | 1.40% | 1.00% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
With an overall rank of 82, SWYDX is among the top 18% of mutual funds on our website when it comes to balancing risk and reward. Below is a breakdown of how it compares using common performance measures.
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.
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Dividends
Dividend History
Schwab Target 2025 Index Fund provided a 2.91% dividend yield over the last twelve months, with an annual payout of $0.43 per share. The fund has been increasing its distributions for 4 consecutive years.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.43 | $0.43 | $0.35 | $0.28 | $0.26 | $0.23 | $0.23 | $0.23 | $0.15 | $0.08 |
Dividend yield | 2.91% | 3.01% | 2.59% | 2.32% | 1.78% | 1.68% | 1.90% | 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.43 | $0.43 |
| 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 | $0.26 | $0.26 |
| 2020 | $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 |
| 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.
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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 20.54%, occurring on Oct 14, 2022. Recovery took 363 trading sessions.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -20.54% | Nov 10, 2021 | 234 | Oct 14, 2022 | 363 | Mar 27, 2024 | 597 |
| -20.49% | Feb 20, 2020 | 23 | Mar 23, 2020 | 84 | Jul 22, 2020 | 107 |
| -10.67% | Jan 29, 2018 | 229 | Dec 24, 2018 | 120 | Jun 18, 2019 | 349 |
| -7.59% | Dec 9, 2024 | 82 | Apr 8, 2025 | 27 | May 16, 2025 | 109 |
| -4.48% | Sep 3, 2020 | 14 | Sep 23, 2020 | 33 | Nov 9, 2020 | 47 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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