AADTX vs. SWPPX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Fund (AADTX) and Schwab S&P 500 Index Fund (SWPPX).
AADTX is managed by American Funds. It was launched on Jan 31, 2007. SWPPX is a passively managed fund by Charles Schwab that tracks the performance of the S&P 500 Index. It was launched on May 19, 1997.
Performance
AADTX vs. SWPPX - Performance Comparison
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AADTX vs. SWPPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AADTX American Funds 2025 Target Date Retirement Fund | -1.93% | 14.20% | 8.97% | 11.57% | -13.04% | 11.12% | 13.33% | 17.35% | -3.74% | 14.95% |
SWPPX Schwab S&P 500 Index Fund | -7.07% | 17.87% | 24.96% | 26.26% | -18.14% | 28.67% | 18.38% | 31.46% | -4.47% | 21.81% |
Returns By Period
In the year-to-date period, AADTX achieves a -1.93% return, which is significantly higher than SWPPX's -7.07% return. Over the past 10 years, AADTX has underperformed SWPPX with an annualized return of 7.36%, while SWPPX has yielded a comparatively higher 13.71% annualized return.
AADTX
- 1D
- 0.19%
- 1M
- -5.12%
- YTD
- -1.93%
- 6M
- 0.12%
- 1Y
- 9.88%
- 3Y*
- 9.52%
- 5Y*
- 5.15%
- 10Y*
- 7.36%
SWPPX
- 1D
- -0.37%
- 1M
- -7.65%
- YTD
- -7.07%
- 6M
- -4.58%
- 1Y
- 14.43%
- 3Y*
- 17.15%
- 5Y*
- 11.39%
- 10Y*
- 13.71%
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AADTX vs. SWPPX - Expense Ratio Comparison
AADTX has a 0.34% expense ratio, which is higher than SWPPX's 0.02% expense ratio.
Return for Risk
AADTX vs. SWPPX — Risk / Return Rank
AADTX
SWPPX
AADTX vs. SWPPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2025 Target Date Retirement Fund (AADTX) and Schwab S&P 500 Index Fund (SWPPX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| AADTX | SWPPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.38 | 0.84 | +0.55 |
Sortino ratioReturn per unit of downside risk | 1.96 | 1.30 | +0.66 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.20 | +0.09 |
Calmar ratioReturn relative to maximum drawdown | 1.78 | 1.06 | +0.72 |
Martin ratioReturn relative to average drawdown | 7.47 | 5.14 | +2.33 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| AADTX | SWPPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.38 | 0.84 | +0.55 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.63 | 0.68 | -0.04 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.83 | 0.76 | +0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.48 | 0.48 | 0.00 |
Correlation
The correlation between AADTX and SWPPX is 0.93, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
AADTX vs. SWPPX - Dividend Comparison
AADTX's dividend yield for the trailing twelve months is around 7.52%, more than SWPPX's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AADTX American Funds 2025 Target Date Retirement Fund | 7.52% | 7.38% | 5.18% | 3.05% | 3.96% | 6.24% | 3.58% | 3.68% | 4.06% | 2.38% | 3.12% | 5.82% |
SWPPX Schwab S&P 500 Index Fund | 1.19% | 1.11% | 1.23% | 1.43% | 1.67% | 1.27% | 1.81% | 1.95% | 2.67% | 1.79% | 2.55% | 3.17% |
Drawdowns
AADTX vs. SWPPX - Drawdown Comparison
The maximum AADTX drawdown since its inception was -48.80%, smaller than the maximum SWPPX drawdown of -55.06%. Use the drawdown chart below to compare losses from any high point for AADTX and SWPPX.
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Drawdown Indicators
| AADTX | SWPPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.80% | -55.06% | +6.26% |
Max Drawdown (1Y)Largest decline over 1 year | -5.43% | -12.10% | +6.67% |
Max Drawdown (5Y)Largest decline over 5 years | -19.02% | -24.51% | +5.49% |
Max Drawdown (10Y)Largest decline over 10 years | -19.24% | -33.80% | +14.56% |
Current DrawdownCurrent decline from peak | -5.12% | -8.89% | +3.77% |
Average DrawdownAverage peak-to-trough decline | -6.20% | -10.00% | +3.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 2.49% | -1.20% |
Volatility
AADTX vs. SWPPX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Fund (AADTX) is 2.56%, while Schwab S&P 500 Index Fund (SWPPX) has a volatility of 4.29%. This indicates that AADTX experiences smaller price fluctuations and is considered to be less risky than SWPPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AADTX | SWPPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.56% | 4.29% | -1.73% |
Volatility (6M)Calculated over the trailing 6-month period | 4.44% | 9.11% | -4.67% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.35% | 18.14% | -10.79% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.17% | 16.89% | -8.72% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.92% | 18.19% | -9.27% |