SWBRX vs. PMTIX
Compare and contrast key facts about Schwab Target 2010 Fund (SWBRX) and Principal LifeTime 2030 Fund (PMTIX).
SWBRX is managed by Charles Schwab. It was launched on Jun 30, 2005. PMTIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
SWBRX vs. PMTIX - Performance Comparison
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SWBRX vs. PMTIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWBRX Schwab Target 2010 Fund | -1.80% | 11.25% | 7.36% | 11.82% | -14.21% | 6.98% | 11.19% | 14.52% | -3.45% | 10.24% |
PMTIX Principal LifeTime 2030 Fund | -3.15% | 13.25% | 12.86% | 15.11% | -16.81% | 12.70% | 14.71% | 22.40% | -7.45% | 18.41% |
Returns By Period
In the year-to-date period, SWBRX achieves a -1.80% return, which is significantly higher than PMTIX's -3.15% return. Over the past 10 years, SWBRX has underperformed PMTIX with an annualized return of 5.32%, while PMTIX has yielded a comparatively higher 8.05% annualized return.
SWBRX
- 1D
- 0.23%
- 1M
- -4.17%
- YTD
- -1.80%
- 6M
- -0.26%
- 1Y
- 8.00%
- 3Y*
- 7.84%
- 5Y*
- 3.69%
- 10Y*
- 5.32%
PMTIX
- 1D
- 0.00%
- 1M
- -5.66%
- YTD
- -3.15%
- 6M
- -1.49%
- 1Y
- 9.21%
- 3Y*
- 10.71%
- 5Y*
- 5.31%
- 10Y*
- 8.05%
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SWBRX vs. PMTIX - Expense Ratio Comparison
SWBRX has a 0.00% expense ratio, which is lower than PMTIX's 0.01% 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
SWBRX vs. PMTIX — Risk / Return Rank
SWBRX
PMTIX
SWBRX vs. PMTIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2010 Fund (SWBRX) and Principal LifeTime 2030 Fund (PMTIX). 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.
| SWBRX | PMTIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.27 | 0.95 | +0.32 |
Sortino ratioReturn per unit of downside risk | 1.81 | 1.41 | +0.40 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.20 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.70 | 1.12 | +0.58 |
Martin ratioReturn relative to average drawdown | 7.13 | 5.30 | +1.83 |
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
| SWBRX | PMTIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.27 | 0.95 | +0.32 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.42 | 0.51 | -0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.70 | 0.72 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.56 | 0.47 | +0.09 |
Correlation
The correlation between SWBRX and PMTIX is 0.94, 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
SWBRX vs. PMTIX - Dividend Comparison
SWBRX's dividend yield for the trailing twelve months is around 7.67%, less than PMTIX's 10.01% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWBRX Schwab Target 2010 Fund | 7.67% | 7.53% | 6.88% | 4.35% | 4.59% | 4.86% | 2.64% | 4.91% | 6.25% | 2.22% | 1.79% | 1.86% |
PMTIX Principal LifeTime 2030 Fund | 10.01% | 9.69% | 9.60% | 4.26% | 10.05% | 8.87% | 6.37% | 6.49% | 8.21% | 5.87% | 3.97% | 9.44% |
Drawdowns
SWBRX vs. PMTIX - Drawdown Comparison
The maximum SWBRX drawdown since its inception was -37.52%, smaller than the maximum PMTIX drawdown of -52.14%. Use the drawdown chart below to compare losses from any high point for SWBRX and PMTIX.
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Drawdown Indicators
| SWBRX | PMTIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -37.52% | -52.14% | +14.62% |
Max Drawdown (1Y)Largest decline over 1 year | -4.65% | -7.49% | +2.84% |
Max Drawdown (5Y)Largest decline over 5 years | -22.40% | -23.05% | +0.65% |
Max Drawdown (10Y)Largest decline over 10 years | -22.40% | -25.87% | +3.47% |
Current DrawdownCurrent decline from peak | -4.17% | -5.85% | +1.68% |
Average DrawdownAverage peak-to-trough decline | -5.26% | -6.83% | +1.57% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.11% | 1.59% | -0.48% |
Volatility
SWBRX vs. PMTIX - Volatility Comparison
The current volatility for Schwab Target 2010 Fund (SWBRX) is 2.27%, while Principal LifeTime 2030 Fund (PMTIX) has a volatility of 3.33%. This indicates that SWBRX experiences smaller price fluctuations and is considered to be less risky than PMTIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWBRX | PMTIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.27% | 3.33% | -1.06% |
Volatility (6M)Calculated over the trailing 6-month period | 3.74% | 5.61% | -1.87% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.46% | 9.78% | -3.32% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.76% | 10.53% | -1.77% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.65% | 11.19% | -3.54% |