FCQTX vs. SWPPX
Compare and contrast key facts about American Funds 2065 Target Date Retirement Fund (FCQTX) and Schwab S&P 500 Index Fund (SWPPX).
FCQTX is managed by American Funds. It was launched on Mar 26, 2020. 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
FCQTX vs. SWPPX - Performance Comparison
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FCQTX vs. SWPPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
FCQTX American Funds 2065 Target Date Retirement Fund | -5.95% | 20.74% | 15.64% | 21.56% | -19.63% | 17.34% | 47.06% |
SWPPX Schwab S&P 500 Index Fund | -7.07% | 17.87% | 24.96% | 26.26% | -18.14% | 28.67% | 49.77% |
Returns By Period
In the year-to-date period, FCQTX achieves a -5.95% return, which is significantly higher than SWPPX's -7.07% return.
FCQTX
- 1D
- -0.42%
- 1M
- -9.36%
- YTD
- -5.95%
- 6M
- -2.92%
- 1Y
- 15.81%
- 3Y*
- 14.49%
- 5Y*
- 7.64%
- 10Y*
- —
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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FCQTX vs. SWPPX - Expense Ratio Comparison
FCQTX has a 0.01% expense ratio, which is lower than SWPPX's 0.02% expense ratio. Despite the difference, 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
FCQTX vs. SWPPX — Risk / Return Rank
FCQTX
SWPPX
FCQTX vs. SWPPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2065 Target Date Retirement Fund (FCQTX) 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.
| FCQTX | SWPPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.04 | 0.84 | +0.20 |
Sortino ratioReturn per unit of downside risk | 1.56 | 1.30 | +0.27 |
Omega ratioGain probability vs. loss probability | 1.22 | 1.20 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.35 | 1.06 | +0.29 |
Martin ratioReturn relative to average drawdown | 5.87 | 5.14 | +0.73 |
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
| FCQTX | SWPPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.04 | 0.84 | +0.20 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.53 | 0.68 | -0.15 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.76 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.94 | 0.48 | +0.47 |
Correlation
The correlation between FCQTX and SWPPX 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
FCQTX vs. SWPPX - Dividend Comparison
FCQTX's dividend yield for the trailing twelve months is around 4.96%, more than SWPPX's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FCQTX American Funds 2065 Target Date Retirement Fund | 4.96% | 4.67% | 2.80% | 1.99% | 3.96% | 1.54% | 0.72% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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
FCQTX vs. SWPPX - Drawdown Comparison
The maximum FCQTX drawdown since its inception was -27.34%, smaller than the maximum SWPPX drawdown of -55.06%. Use the drawdown chart below to compare losses from any high point for FCQTX and SWPPX.
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Drawdown Indicators
| FCQTX | SWPPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -27.34% | -55.06% | +27.72% |
Max Drawdown (1Y)Largest decline over 1 year | -10.21% | -12.10% | +1.89% |
Max Drawdown (5Y)Largest decline over 5 years | -27.34% | -24.51% | -2.83% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.80% | — |
Current DrawdownCurrent decline from peak | -9.83% | -8.89% | -0.94% |
Average DrawdownAverage peak-to-trough decline | -6.02% | -10.00% | +3.98% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.34% | 2.49% | -0.15% |
Volatility
FCQTX vs. SWPPX - Volatility Comparison
American Funds 2065 Target Date Retirement Fund (FCQTX) has a higher volatility of 4.62% compared to Schwab S&P 500 Index Fund (SWPPX) at 4.29%. This indicates that FCQTX's price experiences larger fluctuations and is considered to be riskier 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
| FCQTX | SWPPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.62% | 4.29% | +0.33% |
Volatility (6M)Calculated over the trailing 6-month period | 9.04% | 9.11% | -0.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.15% | 18.14% | -2.99% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.58% | 16.89% | -2.31% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.05% | 18.19% | -3.14% |