AAFTX vs. SWPPX
Compare and contrast key facts about American Funds 2035 Target Date Retirement Fund (AAFTX) and Schwab S&P 500 Index Fund (SWPPX).
AAFTX 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
AAFTX vs. SWPPX - Performance Comparison
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AAFTX vs. SWPPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AAFTX American Funds 2035 Target Date Retirement Fund | -1.92% | 16.77% | 12.40% | 16.50% | -16.53% | 15.20% | 17.23% | 22.81% | -5.48% | 20.68% |
SWPPX Schwab S&P 500 Index Fund | -4.39% | 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, AAFTX achieves a -1.92% return, which is significantly higher than SWPPX's -4.39% return. Over the past 10 years, AAFTX has underperformed SWPPX with an annualized return of 9.73%, while SWPPX has yielded a comparatively higher 14.04% annualized return.
AAFTX
- 1D
- 1.89%
- 1M
- -4.70%
- YTD
- -1.92%
- 6M
- 0.05%
- 1Y
- 13.81%
- 3Y*
- 12.60%
- 5Y*
- 6.63%
- 10Y*
- 9.73%
SWPPX
- 1D
- 2.88%
- 1M
- -5.04%
- YTD
- -4.39%
- 6M
- -2.17%
- 1Y
- 17.28%
- 3Y*
- 18.27%
- 5Y*
- 11.76%
- 10Y*
- 14.04%
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AAFTX vs. SWPPX - Expense Ratio Comparison
AAFTX has a 0.33% expense ratio, which is higher than SWPPX's 0.02% expense ratio.
Return for Risk
AAFTX vs. SWPPX — Risk / Return Rank
AAFTX
SWPPX
AAFTX vs. SWPPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2035 Target Date Retirement Fund (AAFTX) 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.
| AAFTX | SWPPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.33 | 0.97 | +0.36 |
Sortino ratioReturn per unit of downside risk | 1.96 | 1.49 | +0.47 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.23 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.91 | 1.52 | +0.39 |
Martin ratioReturn relative to average drawdown | 8.22 | 7.29 | +0.93 |
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
| AAFTX | SWPPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.33 | 0.97 | +0.36 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.58 | 0.70 | -0.11 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.77 | 0.77 | -0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.50 | 0.48 | +0.01 |
Correlation
The correlation between AAFTX and SWPPX is 0.95, 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
AAFTX vs. SWPPX - Dividend Comparison
AAFTX's dividend yield for the trailing twelve months is around 6.10%, more than SWPPX's 1.16% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AAFTX American Funds 2035 Target Date Retirement Fund | 6.10% | 5.99% | 4.26% | 2.61% | 5.43% | 5.25% | 3.53% | 4.21% | 4.80% | 2.38% | 3.52% | 5.63% |
SWPPX Schwab S&P 500 Index Fund | 1.16% | 1.11% | 1.23% | 1.43% | 1.67% | 1.27% | 1.81% | 1.95% | 2.67% | 1.79% | 2.55% | 3.17% |
Drawdowns
AAFTX vs. SWPPX - Drawdown Comparison
The maximum AAFTX drawdown since its inception was -49.89%, smaller than the maximum SWPPX drawdown of -55.06%. Use the drawdown chart below to compare losses from any high point for AAFTX and SWPPX.
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Drawdown Indicators
| AAFTX | SWPPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.89% | -55.06% | +5.17% |
Max Drawdown (1Y)Largest decline over 1 year | -7.54% | -12.10% | +4.56% |
Max Drawdown (5Y)Largest decline over 5 years | -23.31% | -24.51% | +1.20% |
Max Drawdown (10Y)Largest decline over 10 years | -26.72% | -33.80% | +7.08% |
Current DrawdownCurrent decline from peak | -5.23% | -6.26% | +1.03% |
Average DrawdownAverage peak-to-trough decline | -6.85% | -10.00% | +3.15% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.75% | 2.52% | -0.77% |
Volatility
AAFTX vs. SWPPX - Volatility Comparison
The current volatility for American Funds 2035 Target Date Retirement Fund (AAFTX) is 4.03%, while Schwab S&P 500 Index Fund (SWPPX) has a volatility of 5.36%. This indicates that AAFTX 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
| AAFTX | SWPPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.03% | 5.36% | -1.33% |
Volatility (6M)Calculated over the trailing 6-month period | 6.60% | 9.55% | -2.95% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.79% | 18.32% | -7.53% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.43% | 16.94% | -5.51% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.71% | 18.21% | -5.50% |