SWCRX vs. VOO
Compare and contrast key facts about Schwab Target 2020 Fund (SWCRX) and Vanguard S&P 500 ETF (VOO).
SWCRX is managed by Charles Schwab. It was launched on Jun 30, 2005. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
SWCRX vs. VOO - Performance Comparison
Loading graphics...
SWCRX vs. VOO - 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% |
VOO Vanguard S&P 500 ETF | -4.42% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, SWCRX achieves a -2.17% return, which is significantly higher than VOO's -4.42% return. Over the past 10 years, SWCRX has underperformed VOO with an annualized return of 6.03%, while VOO has yielded a comparatively higher 14.05% 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%
VOO
- 1D
- 2.86%
- 1M
- -5.01%
- YTD
- -4.42%
- 6M
- -1.84%
- 1Y
- 17.67%
- 3Y*
- 18.27%
- 5Y*
- 11.75%
- 10Y*
- 14.05%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
SWCRX vs. VOO - Expense Ratio Comparison
SWCRX has a 0.00% expense ratio, which is lower than VOO'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. VOO — Risk / Return Rank
SWCRX
VOO
SWCRX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2020 Fund (SWCRX) and Vanguard S&P 500 ETF (VOO). 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 | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.20 | 0.98 | +0.22 |
Sortino ratioReturn per unit of downside risk | 1.72 | 1.50 | +0.22 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.23 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.56 | 1.53 | +0.03 |
Martin ratioReturn relative to average drawdown | 6.75 | 7.29 | -0.54 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| SWCRX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.20 | 0.98 | +0.22 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.38 | 0.70 | -0.32 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.78 | -0.14 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.83 | -0.31 |
Correlation
The correlation between SWCRX and VOO is 0.91, 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. VOO - Dividend Comparison
SWCRX's dividend yield for the trailing twelve months is around 10.59%, more than VOO's 1.19% 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% |
VOO Vanguard S&P 500 ETF | 1.19% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
SWCRX vs. VOO - Drawdown Comparison
The maximum SWCRX drawdown since its inception was -42.19%, which is greater than VOO's maximum drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for SWCRX and VOO.
Loading graphics...
Drawdown Indicators
| SWCRX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.19% | -33.99% | -8.20% |
Max Drawdown (1Y)Largest decline over 1 year | -5.51% | -11.98% | +6.47% |
Max Drawdown (5Y)Largest decline over 5 years | -25.28% | -24.52% | -0.76% |
Max Drawdown (10Y)Largest decline over 10 years | -25.28% | -33.99% | +8.71% |
Current DrawdownCurrent decline from peak | -4.82% | -6.29% | +1.47% |
Average DrawdownAverage peak-to-trough decline | -5.85% | -3.72% | -2.13% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.27% | 2.52% | -1.25% |
Volatility
SWCRX vs. VOO - Volatility Comparison
The current volatility for Schwab Target 2020 Fund (SWCRX) is 2.63%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.29%. This indicates that SWCRX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| SWCRX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.63% | 5.29% | -2.66% |
Volatility (6M)Calculated over the trailing 6-month period | 4.37% | 9.44% | -5.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.59% | 18.10% | -10.51% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.92% | 16.82% | -5.90% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.40% | 17.99% | -8.59% |