SWCRX vs. SWTSX
Compare and contrast key facts about Schwab Target 2020 Fund (SWCRX) and Schwab Total Stock Market Index Fund (SWTSX).
SWCRX is managed by Charles Schwab. It was launched on Jun 30, 2005. SWTSX is managed by Charles Schwab. It was launched on Jun 1, 1999.
Performance
SWCRX vs. SWTSX - Performance Comparison
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SWCRX vs. SWTSX - 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% |
SWTSX Schwab Total Stock Market Index Fund | -6.77% | 17.04% | 23.84% | 26.05% | -19.54% | 25.65% | 20.71% | 30.90% | -5.35% | 21.08% |
Returns By Period
In the year-to-date period, SWCRX achieves a -2.17% return, which is significantly higher than SWTSX's -6.77% return. Over the past 10 years, SWCRX has underperformed SWTSX with an annualized return of 6.03%, while SWTSX has yielded a comparatively higher 13.21% 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%
SWTSX
- 1D
- -0.46%
- 1M
- -7.67%
- YTD
- -6.77%
- 6M
- -4.59%
- 1Y
- 14.70%
- 3Y*
- 16.68%
- 5Y*
- 10.10%
- 10Y*
- 13.21%
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SWCRX vs. SWTSX - Expense Ratio Comparison
SWCRX has a 0.00% expense ratio, which is lower than SWTSX's 0.03% 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. SWTSX — Risk / Return Rank
SWCRX
SWTSX
SWCRX vs. SWTSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2020 Fund (SWCRX) and Schwab Total Stock Market Index Fund (SWTSX). 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 | SWTSX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.20 | 0.83 | +0.37 |
Sortino ratioReturn per unit of downside risk | 1.72 | 1.28 | +0.43 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.19 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.56 | 1.04 | +0.52 |
Martin ratioReturn relative to average drawdown | 6.75 | 5.04 | +1.71 |
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 | SWTSX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.20 | 0.83 | +0.37 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.38 | 0.58 | -0.20 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.71 | -0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.40 | +0.12 |
Correlation
The correlation between SWCRX and SWTSX is 0.93, 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. SWTSX - Dividend Comparison
SWCRX's dividend yield for the trailing twelve months is around 10.59%, more than SWTSX's 1.18% 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% |
SWTSX Schwab Total Stock Market Index Fund | 1.18% | 1.10% | 1.24% | 1.41% | 1.62% | 1.46% | 1.63% | 1.92% | 2.58% | 1.83% | 2.32% | 2.79% |
Drawdowns
SWCRX vs. SWTSX - Drawdown Comparison
The maximum SWCRX drawdown since its inception was -42.19%, smaller than the maximum SWTSX drawdown of -54.60%. Use the drawdown chart below to compare losses from any high point for SWCRX and SWTSX.
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Drawdown Indicators
| SWCRX | SWTSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.19% | -54.60% | +12.41% |
Max Drawdown (1Y)Largest decline over 1 year | -5.51% | -12.42% | +6.91% |
Max Drawdown (5Y)Largest decline over 5 years | -25.28% | -25.40% | +0.12% |
Max Drawdown (10Y)Largest decline over 10 years | -25.28% | -35.01% | +9.73% |
Current DrawdownCurrent decline from peak | -4.82% | -8.88% | +4.06% |
Average DrawdownAverage peak-to-trough decline | -5.85% | -10.63% | +4.78% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.27% | 2.56% | -1.29% |
Volatility
SWCRX vs. SWTSX - Volatility Comparison
The current volatility for Schwab Target 2020 Fund (SWCRX) is 2.63%, while Schwab Total Stock Market Index Fund (SWTSX) has a volatility of 4.45%. This indicates that SWCRX experiences smaller price fluctuations and is considered to be less risky than SWTSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWCRX | SWTSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.63% | 4.45% | -1.82% |
Volatility (6M)Calculated over the trailing 6-month period | 4.37% | 9.42% | -5.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.59% | 18.52% | -10.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.92% | 17.41% | -6.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.40% | 18.57% | -9.17% |