SWCRX vs. SCHG
Compare and contrast key facts about Schwab Target 2020 Fund (SWCRX) and Schwab U.S. Large-Cap Growth ETF (SCHG).
SWCRX is managed by Charles Schwab. It was launched on Jun 30, 2005. SCHG is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Large-Cap Growth Total Stock Market Index. It was launched on Dec 11, 2009.
Performance
SWCRX vs. SCHG - Performance Comparison
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SWCRX vs. SCHG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWCRX Schwab Target 2020 Fund | -0.93% | 12.23% | 8.32% | 12.83% | -14.76% | 7.86% | 11.47% | 16.16% | -4.46% | 13.05% |
SCHG Schwab U.S. Large-Cap Growth ETF | -9.73% | 17.50% | 34.95% | 50.10% | -31.80% | 28.11% | 39.14% | 36.02% | -1.36% | 28.05% |
Returns By Period
In the year-to-date period, SWCRX achieves a -0.93% return, which is significantly higher than SCHG's -9.73% return. Over the past 10 years, SWCRX has underperformed SCHG with an annualized return of 6.16%, while SCHG has yielded a comparatively higher 16.95% annualized return.
SWCRX
- 1D
- 1.27%
- 1M
- -3.25%
- YTD
- -0.93%
- 6M
- 0.50%
- 1Y
- 9.97%
- 3Y*
- 9.03%
- 5Y*
- 4.24%
- 10Y*
- 6.16%
SCHG
- 1D
- 0.96%
- 1M
- -4.46%
- YTD
- -9.73%
- 6M
- -8.15%
- 1Y
- 17.00%
- 3Y*
- 22.30%
- 5Y*
- 12.76%
- 10Y*
- 16.95%
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SWCRX vs. SCHG - Expense Ratio Comparison
SWCRX has a 0.00% expense ratio, which is lower than SCHG's 0.04% 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
SWCRX vs. SCHG — Risk / Return Rank
SWCRX
SCHG
SWCRX vs. SCHG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2020 Fund (SWCRX) and Schwab U.S. Large-Cap Growth ETF (SCHG). 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.
| SWCRX | SCHG | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.34 | 0.76 | +0.58 |
Sortino ratioReturn per unit of downside risk | 1.93 | 1.24 | +0.68 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.17 | +0.10 |
Calmar ratioReturn relative to maximum drawdown | 1.89 | 1.09 | +0.79 |
Martin ratioReturn relative to average drawdown | 8.04 | 3.71 | +4.34 |
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
| SWCRX | SCHG | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.34 | 0.76 | +0.58 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.39 | 0.57 | -0.18 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.66 | 0.79 | -0.13 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.53 | 0.79 | -0.27 |
Correlation
The correlation between SWCRX and SCHG is 0.87, 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
SWCRX vs. SCHG - Dividend Comparison
SWCRX's dividend yield for the trailing twelve months is around 10.45%, more than SCHG's 0.43% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWCRX Schwab Target 2020 Fund | 10.45% | 10.36% | 9.04% | 7.12% | 6.14% | 7.58% | 3.91% | 5.67% | 6.04% | 5.72% | 5.65% | 5.69% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.43% | 0.36% | 0.39% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% |
Drawdowns
SWCRX vs. SCHG - Drawdown Comparison
The maximum SWCRX drawdown since its inception was -42.19%, which is greater than SCHG's maximum drawdown of -34.59%. Use the drawdown chart below to compare losses from any high point for SWCRX and SCHG.
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Drawdown Indicators
| SWCRX | SCHG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.19% | -34.59% | -7.60% |
Max Drawdown (1Y)Largest decline over 1 year | -5.51% | -16.41% | +10.90% |
Max Drawdown (5Y)Largest decline over 5 years | -25.28% | -34.59% | +9.31% |
Max Drawdown (10Y)Largest decline over 10 years | -25.28% | -34.59% | +9.31% |
Current DrawdownCurrent decline from peak | -3.61% | -12.51% | +8.90% |
Average DrawdownAverage peak-to-trough decline | -5.85% | -5.22% | -0.63% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 4.84% | -3.55% |
Volatility
SWCRX vs. SCHG - Volatility Comparison
The current volatility for Schwab Target 2020 Fund (SWCRX) is 3.01%, while Schwab U.S. Large-Cap Growth ETF (SCHG) has a volatility of 6.77%. This indicates that SWCRX experiences smaller price fluctuations and is considered to be less risky than SCHG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWCRX | SCHG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.01% | 6.77% | -3.76% |
Volatility (6M)Calculated over the trailing 6-month period | 4.54% | 12.54% | -8.00% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.67% | 22.45% | -14.78% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.93% | 22.31% | -11.38% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.41% | 21.51% | -12.10% |