SWCRX vs. SWSSX
Compare and contrast key facts about Schwab Target 2020 Fund (SWCRX) and Schwab Small-Cap Index Fund-Select Shares (SWSSX).
SWCRX is managed by Charles Schwab. It was launched on Jun 30, 2005. SWSSX is a passively managed fund by Charles Schwab that tracks the performance of the Russell 2000 Index. It was launched on May 19, 1997.
Performance
SWCRX vs. SWSSX - Performance Comparison
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SWCRX vs. SWSSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWCRX Schwab Target 2020 Fund | -2.17% | 12.23% | 8.32% | 12.83% | -14.76% | 7.86% | 11.47% | 16.16% | -4.46% | 13.05% |
SWSSX Schwab Small-Cap Index Fund-Select Shares | -2.49% | 12.88% | 11.57% | 17.07% | -20.43% | 14.77% | 20.12% | 25.63% | -11.19% | 14.76% |
Returns By Period
In the year-to-date period, SWCRX achieves a -2.17% return, which is significantly higher than SWSSX's -2.49% return. Over the past 10 years, SWCRX has underperformed SWSSX with an annualized return of 6.03%, while SWSSX has yielded a comparatively higher 9.50% annualized return.
SWCRX
- 1D
- 0.16%
- 1M
- -4.82%
- YTD
- -2.17%
- 6M
- -0.47%
- 1Y
- 8.85%
- 3Y*
- 8.57%
- 5Y*
- 4.14%
- 10Y*
- 6.03%
SWSSX
- 1D
- -1.45%
- 1M
- -8.18%
- YTD
- -2.49%
- 6M
- -0.36%
- 1Y
- 21.55%
- 3Y*
- 11.83%
- 5Y*
- 3.10%
- 10Y*
- 9.50%
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SWCRX vs. SWSSX - Expense Ratio Comparison
SWCRX has a 0.00% expense ratio, which is lower than SWSSX'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. SWSSX — Risk / Return Rank
SWCRX
SWSSX
SWCRX vs. SWSSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2020 Fund (SWCRX) and Schwab Small-Cap Index Fund-Select Shares (SWSSX). 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 | SWSSX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.20 | 0.91 | +0.28 |
Sortino ratioReturn per unit of downside risk | 1.72 | 1.40 | +0.31 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.18 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.56 | 1.33 | +0.23 |
Martin ratioReturn relative to average drawdown | 6.75 | 5.02 | +1.73 |
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 | SWSSX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.20 | 0.91 | +0.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.38 | 0.14 | +0.24 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.40 | +0.25 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.33 | +0.19 |
Correlation
The correlation between SWCRX and SWSSX is 0.85, 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. SWSSX - Dividend Comparison
SWCRX's dividend yield for the trailing twelve months is around 10.59%, more than SWSSX's 1.32% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWCRX Schwab Target 2020 Fund | 10.59% | 10.36% | 9.04% | 7.12% | 6.14% | 7.58% | 3.91% | 5.67% | 6.04% | 5.72% | 5.65% | 5.69% |
SWSSX Schwab Small-Cap Index Fund-Select Shares | 1.32% | 1.29% | 1.66% | 1.49% | 1.32% | 8.88% | 2.55% | 6.12% | 10.45% | 5.22% | 4.10% | 6.92% |
Drawdowns
SWCRX vs. SWSSX - Drawdown Comparison
The maximum SWCRX drawdown since its inception was -42.19%, smaller than the maximum SWSSX drawdown of -60.34%. Use the drawdown chart below to compare losses from any high point for SWCRX and SWSSX.
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Drawdown Indicators
| SWCRX | SWSSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.19% | -60.34% | +18.15% |
Max Drawdown (1Y)Largest decline over 1 year | -5.51% | -13.90% | +8.39% |
Max Drawdown (5Y)Largest decline over 5 years | -25.28% | -31.93% | +6.65% |
Max Drawdown (10Y)Largest decline over 10 years | -25.28% | -41.81% | +16.53% |
Current DrawdownCurrent decline from peak | -4.82% | -11.00% | +6.18% |
Average DrawdownAverage peak-to-trough decline | -5.85% | -10.78% | +4.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.27% | 3.68% | -2.41% |
Volatility
SWCRX vs. SWSSX - Volatility Comparison
The current volatility for Schwab Target 2020 Fund (SWCRX) is 2.63%, while Schwab Small-Cap Index Fund-Select Shares (SWSSX) has a volatility of 6.59%. This indicates that SWCRX experiences smaller price fluctuations and is considered to be less risky than SWSSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWCRX | SWSSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.63% | 6.59% | -3.96% |
Volatility (6M)Calculated over the trailing 6-month period | 4.37% | 14.12% | -9.75% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.59% | 23.11% | -15.52% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.92% | 22.57% | -11.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.40% | 24.03% | -14.63% |