SWBRX vs. VTINX
SWBRX (Schwab Target 2010 Fund) and VTINX (Vanguard Target Retirement Income Fund) are both Target Retirement Date funds. Over the past 10 years, SWBRX returned 5.82%/yr vs 5.31%/yr for VTINX. Their correlation of 0.92 suggests significant overlap in exposure. SWBRX charges 0.00%/yr vs 0.08%/yr for VTINX.
Performance
SWBRX vs. VTINX - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, SWBRX achieves a 3.97% return, which is significantly lower than VTINX's 4.47% return. Over the past 10 years, SWBRX has outperformed VTINX with an annualized return of 5.82%, while VTINX has yielded a comparatively lower 5.31% annualized return.
SWBRX
- 1D
- 0.51%
- 1M
- 0.80%
- YTD
- 3.97%
- 6M
- 3.98%
- 1Y
- 11.44%
- 3Y*
- 9.22%
- 5Y*
- 4.29%
- 10Y*
- 5.82%
VTINX
- 1D
- 0.49%
- 1M
- 0.98%
- YTD
- 4.47%
- 6M
- 4.54%
- 1Y
- 11.60%
- 3Y*
- 9.10%
- 5Y*
- 4.22%
- 10Y*
- 5.31%
SWBRX vs. VTINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWBRX Schwab Target 2010 Fund | 3.97% | 11.25% | 7.36% | 11.82% | -14.21% | 6.98% | 11.19% | 14.52% | -3.45% | 10.24% |
VTINX Vanguard Target Retirement Income Fund | 4.47% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
Correlation
The correlation between SWBRX and VTINX is 0.98 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.98 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.95 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.95 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.95 |
Correlation (All Time) Calculated using the full available price history since Jul 1, 2005 | 0.92 |
The correlation between SWBRX and VTINX has been stable across timeframes, ranging from 0.92 to 0.98 - a consistent structural relationship.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
SWBRX vs. VTINX — Risk / Return Rank
SWBRX
VTINX
SWBRX vs. VTINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2010 Fund (SWBRX) and Vanguard Target Retirement Income Fund (VTINX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SWBRX | VTINX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.14 | ||
| Sortino ratioReturn per unit of downside risk | -0.20 | ||
| Omega ratioGain probability vs. loss probability | 1.40 | 1.44 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.60 | 2.77 | -0.17 |
| Martin ratioReturn relative to average drawdown | 11.39 | 11.98 | -0.58 |
Loading charts...
Drawdowns
SWBRX vs. VTINX - Drawdown Comparison
The maximum SWBRX drawdown since its inception was -37.52%, which is greater than VTINX's maximum drawdown of -19.96%. Use the drawdown chart below to compare losses from any high point for SWBRX and VTINX.
Loading charts...
Drawdown Indicators
| SWBRX | VTINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -37.52% | -19.96% | -17.56% |
Max Drawdown (1Y)Largest decline over 1 year | -4.39% | -4.14% | -0.25% |
Max Drawdown (3Y)Largest decline over 3 years | -6.55% | -5.26% | -1.29% |
Max Drawdown (5Y)Largest decline over 5 years | -22.40% | -17.02% | -5.38% |
Max Drawdown (10Y)Largest decline over 10 years | -22.40% | -17.02% | -5.38% |
Current DrawdownCurrent decline from peak | -0.14% | -0.21% | +0.07% |
Average DrawdownAverage peak-to-trough decline | -5.21% | -2.20% | -3.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.00% | 0.96% | +0.04% |
Volatility
SWBRX vs. VTINX - Volatility Comparison
Schwab Target 2010 Fund (SWBRX) and Vanguard Target Retirement Income Fund (VTINX) have volatilities of 2.22% and 2.18%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| SWBRX | VTINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.22% | 2.18% | +0.04% |
Volatility (6M)Calculated over the trailing 6-month period | 4.52% | 4.40% | +0.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.50% | 5.18% | +0.32% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.83% | 6.12% | +2.71% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.70% | 5.76% | +1.94% |
SWBRX vs. VTINX - Expense Ratio Comparison
SWBRX has a 0.00% expense ratio, which is lower than VTINX's 0.08% 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%.
Dividends
SWBRX vs. VTINX - Dividend Comparison
SWBRX's dividend yield for the trailing twelve months is around 7.25%, more than VTINX's 4.81% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWBRX Schwab Target 2010 Fund | 7.25% | 7.53% | 6.88% | 4.35% | 4.59% | 4.86% | 2.64% | 4.91% | 6.25% | 2.22% | 1.79% | 1.86% |
VTINX Vanguard Target Retirement Income Fund | 4.81% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
Frequently Asked Questions
With a correlation of 0.98, SWBRX and VTINX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
SWBRX has higher volatility (2.22%) compared to VTINX (2.18%). In terms of maximum drawdown, SWBRX dropped -37.52% vs VTINX's -19.96%.
VTINX currently has the higher Sharpe Ratio (2.22 vs 2.07), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for SWBRX and VTINX
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer