PortfoliosLab logoPortfoliosLab logo

Documentation

Upgrade your plan
SWCRX vs. SNXFX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

SWCRX vs. SNXFX

Last updated Jun 4, 2026

SWCRX (Schwab Target 2020 Fund) and SNXFX (Schwab 1000 Index Fund) are both mutual funds - SWCRX is a Target Retirement Date fund managed by Charles Schwab, while SNXFX is a Large Cap Blend Equities fund tracking the Schwab 1000 Index. Over the past 10 years, SWCRX returned 6.63%/yr vs 15.29%/yr for SNXFX. Their correlation of 0.93 suggests significant overlap in exposure. SWCRX charges 0.00%/yr vs 0.05%/yr for SNXFX.

Performance

SWCRX vs. SNXFX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab Target 2020 Fund (SWCRX) and Schwab 1000 Index Fund (SNXFX). The values are adjusted to include any dividend payments, if applicable.

Loading charts...

Returns By Period

In the year-to-date period, SWCRX achieves a 4.95% return, which is significantly lower than SNXFX's 11.89% return. Over the past 10 years, SWCRX has underperformed SNXFX with an annualized return of 6.63%, while SNXFX has yielded a comparatively higher 15.29% annualized return.

SWCRX

1D
0.15%
1M
2.26%
YTD
4.95%
6M
5.20%
1Y
13.76%
3Y*
10.79%
5Y*
4.95%
10Y*
6.63%

SNXFX

1D
0.25%
1M
5.85%
YTD
11.89%
6M
11.81%
1Y
28.65%
3Y*
22.58%
5Y*
13.51%
10Y*
15.29%
*Multi-year figures are annualized to reflect compound growth (CAGR)

SWCRX vs. SNXFX - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
SWCRX
Schwab Target 2020 Fund		4.95%12.23%8.32%12.83%-14.76%7.86%11.47%16.16%-4.46%13.05%
SNXFX
Schwab 1000 Index Fund		11.89%17.23%24.46%26.53%-19.46%26.10%20.71%31.43%-5.04%21.71%

Correlation

The correlation between SWCRX and SNXFX is 0.89, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.89

Correlation (3Y)
Calculated over the trailing 3-year period

0.87

Correlation (5Y)
Calculated over the trailing 5-year period

0.88

Correlation (10Y)
Calculated over the trailing 10-year period

0.89

Correlation (All Time)
Calculated using the full available price history since Jul 5, 2005

0.93

The correlation between SWCRX and SNXFX has been stable across timeframes, ranging from 0.87 to 0.93 - a consistent structural relationship.

SWCRX vs. SNXFX - Sectors Allocation Comparison

Sectors
SWCRX
SNXFX

Technology

26.4%
34.6%

Financial Services

11.9%
11.9%

Industrials

11.3%
9.4%

Healthcare

10.5%
8.7%

Consumer Cyclical

9.3%
10.1%

Communication Services

8.9%
10.6%

Real Estate

7.6%
2.2%

Consumer Defensive

4.6%
4.7%

Energy

4.3%
3.6%

Basic Materials

3.3%
2.0%

Utilities

2.0%
2.3%

Technology

SWCRX
26.4%
SNXFX
34.6%

Financial Services

SWCRX
11.9%
SNXFX
11.9%

Industrials

SWCRX
11.3%
SNXFX
9.4%

Healthcare

SWCRX
10.5%
SNXFX
8.7%

Consumer Cyclical

SWCRX
9.3%
SNXFX
10.1%

Communication Services

SWCRX
8.9%
SNXFX
10.6%

Real Estate

SWCRX
7.6%
SNXFX
2.2%

Consumer Defensive

SWCRX
4.6%
SNXFX
4.7%

Energy

SWCRX
4.3%
SNXFX
3.6%

Basic Materials

SWCRX
3.3%
SNXFX
2.0%

Utilities

SWCRX
2.0%
SNXFX
2.3%

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

Schwab Target 2020 Fund

Schwab 1000 Index Fund

Often compared with SWCRX:
SWCRX vs. SWGRXSWCRX vs. SWPPXSWCRX vs. VTWNXSWCRX vs. VOOSWCRX vs. SCHGSWCRX vs. SWHRXSWCRX vs. PDDDX
Often compared with SNXFX:
SNXFX vs. SWPPXSNXFX vs. SWTSXSNXFX vs. VOOSNXFX vs. FSKAXSNXFX vs. SWAGXSNXFX vs. FEMKXSNXFX vs. FLCPX

Return for Risk

SWCRX vs. SNXFX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
SWCRX
SWCRX Risk / Return Rank: 6161
Overall Rank
SWCRX Sharpe Ratio Rank: 6161
Sharpe Ratio Rank
SWCRX Sortino Ratio Rank: 6464
Sortino Ratio Rank
SWCRX Omega Ratio Rank: 6363
Omega Ratio Rank
SWCRX Calmar Ratio Rank: 5454
Calmar Ratio Rank
SWCRX Martin Ratio Rank: 6363
Martin Ratio Rank
SNXFX
SNXFX Risk / Return Rank: 7070
Overall Rank
SNXFX Sharpe Ratio Rank: 7070
Sharpe Ratio Rank
SNXFX Sortino Ratio Rank: 6363
Sortino Ratio Rank
SNXFX Omega Ratio Rank: 6262
Omega Ratio Rank
SNXFX Calmar Ratio Rank: 7373
Calmar Ratio Rank
SNXFX Martin Ratio Rank: 8181
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SWCRX vs. SNXFX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2020 Fund (SWCRX) and Schwab 1000 Index Fund (SNXFX). 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.

SWCRXSNXFXDifference
Sharpe ratioReturn per unit of total volatility
2.31
2.44

-0.14

Sortino ratioReturn per unit of downside risk
3.36
3.32

+0.04

Omega ratioGain probability vs. loss probability

1.44

1.44

0.00

Calmar ratioReturn relative to maximum drawdown

2.80

3.31

-0.51

Martin ratioReturn relative to average drawdown

12.41

15.28

-2.87

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SWCRX vs. SNXFX - Sharpe Ratio Comparison

The current SWCRX Sharpe Ratio is 2.31, which is comparable to the SNXFX Sharpe Ratio of 2.44. The chart below compares the historical Sharpe Ratios of SWCRX and SNXFX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Loading charts...

Sharpe Ratios by Period

SWCRXSNXFXDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.31

2.44

-0.14

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.45

0.78

-0.33

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.71

0.82

-0.11

Sharpe Ratio (All Time)

Calculated using the full available price history

0.55

0.58

-0.03

Drawdowns

SWCRX vs. SNXFX - Drawdown Comparison

The maximum SWCRX drawdown since its inception was -42.19%, smaller than the maximum SNXFX drawdown of -55.08%. Use the drawdown chart below to compare losses from any high point for SWCRX and SNXFX.

Loading charts...

Drawdown Indicators

SWCRXSNXFXDifference

Max Drawdown

Largest peak-to-trough decline

-42.19%

-55.08%

+12.89%

Max Drawdown (1Y)

Largest decline over 1 year

-4.97%

-8.94%

+3.97%

Max Drawdown (3Y)

Largest decline over 3 years

-8.01%

-19.21%

+11.20%

Max Drawdown (5Y)

Largest decline over 5 years

-25.28%

-25.36%

+0.08%

Max Drawdown (10Y)

Largest decline over 10 years

-25.28%

-34.58%

+9.30%

Current Drawdown

Current decline from peak

0.00%

0.00%

0.00%

Average Drawdown

Average peak-to-trough decline

-5.81%

-8.76%

+2.95%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.12%

1.93%

-0.81%

Volatility

SWCRX vs. SNXFX - Volatility Comparison

The current volatility for Schwab Target 2020 Fund (SWCRX) is 1.98%, while Schwab 1000 Index Fund (SNXFX) has a volatility of 2.87%. This indicates that SWCRX experiences smaller price fluctuations and is considered to be less risky than SNXFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Loading charts...

Volatility by Period

SWCRXSNXFXDifference

Volatility (1M)

Calculated over the trailing 1-month period

1.98%

2.87%

-0.89%

Volatility (6M)

Calculated over the trailing 6-month period

4.84%

9.13%

-4.29%

Volatility (1Y)

Calculated over the trailing 1-year period

6.03%

12.12%

-6.09%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

10.96%

17.31%

-6.35%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

9.42%

18.73%

-9.31%

SWCRX vs. SNXFX - Expense Ratio Comparison

SWCRX has a 0.00% expense ratio, which is lower than SNXFX's 0.05% 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

SWCRX vs. SNXFX - Dividend Comparison

SWCRX's dividend yield for the trailing twelve months is around 9.87%, more than SNXFX's 1.30% yield.

PositionTTM20252024202320222021202020192018201720162015
SNXFX
Schwab 1000 Index Fund		1.30%1.45%1.23%1.41%1.61%1.74%2.76%3.01%6.49%4.23%3.41%6.31%
SWCRX
Schwab Target 2020 Fund		9.87%10.36%9.04%7.12%6.14%7.58%3.91%5.67%6.04%5.72%5.65%5.69%

Frequently Asked Questions

SWCRX and SNXFX have a correlation of 0.89, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

SNXFX has higher volatility (2.87%) compared to SWCRX (1.98%). In terms of maximum drawdown, SWCRX dropped -42.19% vs SNXFX's -55.08%.

SNXFX currently has the higher Sharpe Ratio (2.44 vs 2.31), 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.

Portfolio Optimizer

Find the right allocation for SWCRX and SNXFX

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