NBARX vs. SWDRX
Compare and contrast key facts about American Funds Retirement Income Portfolio - Moderate (NBARX) and Schwab Target 2030 Fund (SWDRX).
NBARX is managed by American Funds. It was launched on Aug 27, 2015. SWDRX is managed by Charles Schwab. It was launched on Jun 30, 2005.
Performance
NBARX vs. SWDRX - Performance Comparison
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NBARX vs. SWDRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
NBARX American Funds Retirement Income Portfolio - Moderate | -1.40% | 15.67% | 9.16% | 9.25% | -10.06% | 12.14% | 7.41% | 15.42% | -3.81% | 11.18% |
SWDRX Schwab Target 2030 Fund | -2.75% | 14.87% | 10.52% | 16.38% | -17.00% | 12.52% | 13.49% | 20.41% | -7.20% | 17.55% |
Returns By Period
In the year-to-date period, NBARX achieves a -1.40% return, which is significantly higher than SWDRX's -2.75% return. Over the past 10 years, NBARX has underperformed SWDRX with an annualized return of 6.59%, while SWDRX has yielded a comparatively higher 7.79% annualized return.
NBARX
- 1D
- 0.22%
- 1M
- -5.89%
- YTD
- -1.40%
- 6M
- 1.03%
- 1Y
- 10.93%
- 3Y*
- 9.89%
- 5Y*
- 5.86%
- 10Y*
- 6.59%
SWDRX
- 1D
- 0.06%
- 1M
- -6.06%
- YTD
- -2.75%
- 6M
- -0.71%
- 1Y
- 11.29%
- 3Y*
- 10.72%
- 5Y*
- 5.49%
- 10Y*
- 7.79%
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NBARX vs. SWDRX - Expense Ratio Comparison
NBARX has a 0.32% expense ratio, which is higher than SWDRX's 0.00% expense ratio.
Return for Risk
NBARX vs. SWDRX — Risk / Return Rank
NBARX
SWDRX
NBARX vs. SWDRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Retirement Income Portfolio - Moderate (NBARX) and Schwab Target 2030 Fund (SWDRX). 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.
| NBARX | SWDRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.42 | 1.14 | +0.29 |
Sortino ratioReturn per unit of downside risk | 1.96 | 1.64 | +0.31 |
Omega ratioGain probability vs. loss probability | 1.29 | 1.24 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.74 | 1.45 | +0.29 |
Martin ratioReturn relative to average drawdown | 7.49 | 6.49 | +1.00 |
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
| NBARX | SWDRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.42 | 1.14 | +0.29 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.74 | 0.44 | +0.30 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.81 | 0.64 | +0.17 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.83 | 0.51 | +0.32 |
Correlation
The correlation between NBARX and SWDRX is 0.91, 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
NBARX vs. SWDRX - Dividend Comparison
NBARX's dividend yield for the trailing twelve months is around 5.24%, less than SWDRX's 8.54% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NBARX American Funds Retirement Income Portfolio - Moderate | 5.24% | 5.69% | 3.25% | 3.46% | 5.04% | 3.48% | 3.97% | 3.87% | 3.89% | 2.50% | 2.55% | 0.00% |
SWDRX Schwab Target 2030 Fund | 8.54% | 8.31% | 6.37% | 4.28% | 6.77% | 6.92% | 3.23% | 6.60% | 7.03% | 4.86% | 5.87% | 9.35% |
Drawdowns
NBARX vs. SWDRX - Drawdown Comparison
The maximum NBARX drawdown since its inception was -18.50%, smaller than the maximum SWDRX drawdown of -45.34%. Use the drawdown chart below to compare losses from any high point for NBARX and SWDRX.
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Drawdown Indicators
| NBARX | SWDRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.50% | -45.34% | +26.84% |
Max Drawdown (1Y)Largest decline over 1 year | -6.17% | -7.27% | +1.10% |
Max Drawdown (5Y)Largest decline over 5 years | -16.86% | -28.17% | +11.31% |
Max Drawdown (10Y)Largest decline over 10 years | -18.50% | -28.17% | +9.67% |
Current DrawdownCurrent decline from peak | -5.89% | -6.22% | +0.33% |
Average DrawdownAverage peak-to-trough decline | -2.70% | -6.53% | +3.83% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.44% | 1.62% | -0.18% |
Volatility
NBARX vs. SWDRX - Volatility Comparison
The current volatility for American Funds Retirement Income Portfolio - Moderate (NBARX) is 2.82%, while Schwab Target 2030 Fund (SWDRX) has a volatility of 3.28%. This indicates that NBARX experiences smaller price fluctuations and is considered to be less risky than SWDRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NBARX | SWDRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.82% | 3.28% | -0.46% |
Volatility (6M)Calculated over the trailing 6-month period | 4.77% | 5.75% | -0.98% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.90% | 10.03% | -2.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.91% | 12.55% | -4.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.19% | 12.25% | -4.06% |