DRIJX vs. SWTSX
Compare and contrast key facts about Dimensional 2050 Target Date Retirement Income Fund (DRIJX) and Schwab Total Stock Market Index Fund (SWTSX).
DRIJX is managed by Dimensional. It was launched on Nov 1, 2015. SWTSX is managed by Charles Schwab. It was launched on Jun 1, 1999.
Performance
DRIJX vs. SWTSX - Performance Comparison
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DRIJX vs. SWTSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
DRIJX Dimensional 2050 Target Date Retirement Income Fund | -3.53% | 19.64% | 17.05% | 21.37% | -15.25% | 21.63% | 14.09% | 25.59% | -9.14% | 21.76% |
SWTSX Schwab Total Stock Market Index Fund | -6.77% | 17.04% | 23.84% | 26.05% | -19.54% | 25.65% | 20.71% | 30.90% | -5.35% | 21.08% |
Returns By Period
In the year-to-date period, DRIJX achieves a -3.53% return, which is significantly higher than SWTSX's -6.77% return. Over the past 10 years, DRIJX has underperformed SWTSX with an annualized return of 11.20%, while SWTSX has yielded a comparatively higher 13.21% annualized return.
DRIJX
- 1D
- -0.34%
- 1M
- -7.57%
- YTD
- -3.53%
- 6M
- -0.58%
- 1Y
- 17.10%
- 3Y*
- 15.48%
- 5Y*
- 9.69%
- 10Y*
- 11.20%
SWTSX
- 1D
- -0.46%
- 1M
- -7.67%
- YTD
- -6.77%
- 6M
- -4.59%
- 1Y
- 14.70%
- 3Y*
- 16.68%
- 5Y*
- 10.10%
- 10Y*
- 13.21%
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DRIJX vs. SWTSX - Expense Ratio Comparison
DRIJX has a 0.22% expense ratio, which is higher than SWTSX's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
DRIJX vs. SWTSX — Risk / Return Rank
DRIJX
SWTSX
DRIJX vs. SWTSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Dimensional 2050 Target Date Retirement Income Fund (DRIJX) and Schwab Total Stock Market Index Fund (SWTSX). 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.
| DRIJX | SWTSX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 0.83 | +0.36 |
Sortino ratioReturn per unit of downside risk | 1.74 | 1.28 | +0.46 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.19 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.24 | 1.04 | +0.20 |
Martin ratioReturn relative to average drawdown | 6.15 | 5.04 | +1.11 |
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
| DRIJX | SWTSX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.19 | 0.83 | +0.36 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.67 | 0.58 | +0.09 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.72 | 0.71 | +0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.72 | 0.40 | +0.32 |
Correlation
The correlation between DRIJX and SWTSX is 0.96, 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
DRIJX vs. SWTSX - Dividend Comparison
DRIJX's dividend yield for the trailing twelve months is around 2.63%, more than SWTSX's 1.18% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
DRIJX Dimensional 2050 Target Date Retirement Income Fund | 2.63% | 2.49% | 2.53% | 3.40% | 3.98% | 2.87% | 4.15% | 2.18% | 2.29% | 1.25% | 1.40% | 0.00% |
SWTSX Schwab Total Stock Market Index Fund | 1.18% | 1.10% | 1.24% | 1.41% | 1.62% | 1.46% | 1.63% | 1.92% | 2.58% | 1.83% | 2.32% | 2.79% |
Drawdowns
DRIJX vs. SWTSX - Drawdown Comparison
The maximum DRIJX drawdown since its inception was -33.55%, smaller than the maximum SWTSX drawdown of -54.60%. Use the drawdown chart below to compare losses from any high point for DRIJX and SWTSX.
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Drawdown Indicators
| DRIJX | SWTSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.55% | -54.60% | +21.05% |
Max Drawdown (1Y)Largest decline over 1 year | -10.85% | -12.42% | +1.57% |
Max Drawdown (5Y)Largest decline over 5 years | -23.49% | -25.40% | +1.91% |
Max Drawdown (10Y)Largest decline over 10 years | -33.55% | -35.01% | +1.46% |
Current DrawdownCurrent decline from peak | -8.12% | -8.88% | +0.76% |
Average DrawdownAverage peak-to-trough decline | -4.25% | -10.63% | +6.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.31% | 2.56% | -0.25% |
Volatility
DRIJX vs. SWTSX - Volatility Comparison
The current volatility for Dimensional 2050 Target Date Retirement Income Fund (DRIJX) is 4.16%, while Schwab Total Stock Market Index Fund (SWTSX) has a volatility of 4.45%. This indicates that DRIJX experiences smaller price fluctuations and is considered to be less risky than SWTSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| DRIJX | SWTSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.16% | 4.45% | -0.29% |
Volatility (6M)Calculated over the trailing 6-month period | 7.57% | 9.42% | -1.85% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.80% | 18.52% | -3.72% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.52% | 17.41% | -2.89% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.60% | 18.57% | -2.97% |