- ISIN
- US80850L8744
- Issuer
- Charles Schwab
- Inception Date
- Aug 24, 2016
- Category
- Target Retirement Date
- Min. Investment
- $0
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
- Assets Under Management
- $2B
Share Price Chart
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Performance
SWYEX Performance Chart
Schwab Target 2030 Index Fund (SWYEX) is up 7.4% since the beginning of the year. SWYEX is currently trading at $19 per share. Investors who bought $1,000 worth of SWYEX shares 5 years ago would now be looking at an investment worth $1,415.
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Returns By Period
Schwab Target 2030 Index Fund (SWYEX) has returned 7.44% so far this year and 18.10% over the past 12 months.
Schwab Target 2030 Index Fund
- 1D
- 0.69%
- 1M
- 1.18%
- YTD
- 7.44%
- 6M
- 7.32%
- 1Y
- 18.10%
- 3Y*
- 13.16%
- 5Y*
- 7.19%
- 10Y*
- —
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%
SWYEX Monthly Returns History
Based on dividend-adjusted daily data since Aug 30, 2016, SWYEX's average daily return is +0.04%, while the average monthly return is +0.75%. At this rate, an investment would double in approximately 7.7 years.
Historically, 71% of months were positive and 29% were negative. The best month was Nov 2020 with a return of +8.4%, while the worst month was Mar 2020 at -9.8%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, SWYEX closed higher 52% of trading days. The best single day was Mar 13, 2020 with a return of +5.5%, while the worst single day was Mar 12, 2020 at -8.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.70% | 1.56% | -4.01% | 5.44% | 2.72% | 0.05% | 7.44% | ||||||
| 2025 | 2.16% | 0.68% | -2.35% | 0.32% | 2.97% | 3.19% | 0.59% | 2.19% | 2.14% | 1.36% | 0.50% | 0.28% | 14.82% |
| 2024 | -0.27% | 2.20% | 2.22% | -3.42% | 3.47% | 1.51% | 2.33% | 2.09% | 1.74% | -2.13% | 3.24% | -2.74% | 10.38% |
| 2023 | 6.09% | -2.80% | 2.42% | 1.03% | -0.95% | 3.77% | 2.14% | -1.88% | -3.69% | -2.29% | 7.32% | 5.08% | 16.65% |
| 2022 | -3.87% | -2.14% | 0.89% | -6.38% | 0.29% | -5.86% | 5.84% | -3.77% | -7.69% | 4.08% | 6.20% | -3.28% | -15.68% |
| 2021 | -0.43% | 1.36% | 1.69% | 3.12% | 0.94% | 1.20% | 1.12% | 1.43% | -3.02% | 3.58% | -1.47% | 2.57% | 12.58% |
Benchmark Metrics
Schwab Target 2030 Index Fund has an annualized alpha of 0.72%, beta of 0.59, and R2 of 0.87 versus S&P 500 Index. Calculated based on daily prices since August 30, 2016.
- This fund participated in 70.61% of S&P 500 Index downside but only 61.57% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.59 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
- 0.72%
- Beta
- 0.59
- R²
- 0.87
- Upside Capture
- 61.57%
- Downside Capture
- 70.61%
Expense Ratio
SWYEX has an expense ratio of 0.04%, which is considered low.
Return for Risk
Risk / Return Rank
SWYEX ranks 70 for risk / return — better than 70% 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 2030 Index Fund (SWYEX) 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.
| SWYEX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.20 | ||
| Sortino ratioReturn per unit of downside risk | +0.40 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.37 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 3.02 | 2.78 | +0.24 |
| Martin ratioReturn relative to average drawdown | 13.25 | 12.44 | +0.81 |
Dividends
Dividend History
Schwab Target 2030 Index Fund provided a 2.34% dividend yield over the last twelve months, with an annual payout of $0.44 per share. The fund has been increasing its distributions for 3 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.44 | $0.44 | $0.41 | $0.33 | $0.27 | $0.29 | $0.24 | $0.24 | $0.24 | $0.15 | $0.10 |
Dividend yield | 2.34% | 2.51% | 2.60% | 2.28% | 2.14% | 1.85% | 1.72% | 1.92% | 2.23% | 1.31% | 1.02% |
Monthly Dividends
The table displays the monthly dividend distributions for Schwab Target 2030 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 | $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 | $0.44 | $0.44 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.41 | $0.41 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.33 | $0.33 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.27 | $0.27 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.29 | $0.29 |
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 2030 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 2030 Index Fund was 23.23%, occurring on Mar 18, 2020. Recovery took 97 trading sessions.
The current Schwab Target 2030 Index Fund drawdown is 0.26%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -23.23%Mar 2020 | 27d | 4mo 20d | 5mo 17dFeb 2020 - Aug 2020 |
Bear market2022 | -22.03%Oct 2022 | 11mo 9d | 1y 2mo | 2y 1moNov 2021 - Dec 2023 |
Rate-hike selloffLate 2018 | -12.36%Dec 2018 | 10mo 29d | 3mo 8d | 1y 2moJan 2018 - Apr 2019 |
2025 selloff2025 | -9.70%Apr 2025 | 1mo 18d | 1mo 8d | 2mo 26dFeb 2025 - May 2025 |
2026 pullback2026 | -5.92%Mar 2026 | 29d | 19d | 1mo 18dFeb 2026 - Apr 2026 |
Drawdown Indicators
| SWYEX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.23% | -56.78% | +33.55% |
Max Drawdown (1Y)Largest decline over 1 year | -5.92% | -9.10% | +3.18% |
Max Drawdown (3Y)Largest decline over 3 years | -9.70% | -18.90% | +9.20% |
Max Drawdown (5Y)Largest decline over 5 years | -22.03% | -25.43% | +3.40% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -0.26% | -1.80% | +1.54% |
Average DrawdownAverage peak-to-trough decline | -3.66% | -10.71% | +7.05% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.35% | 2.03% | -0.68% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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