SWDRX vs. SWPPX
Compare and contrast key facts about Schwab Target 2030 Fund (SWDRX) and Schwab S&P 500 Index Fund (SWPPX).
SWDRX is managed by Charles Schwab. It was launched on Jun 30, 2005. SWPPX is a passively managed fund by Charles Schwab that tracks the performance of the S&P 500 Index. It was launched on May 19, 1997.
Performance
SWDRX vs. SWPPX - Performance Comparison
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SWDRX vs. SWPPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWDRX Schwab Target 2030 Fund | -2.75% | 14.87% | 10.52% | 16.38% | -17.00% | 12.52% | 13.49% | 20.41% | -7.20% | 17.55% |
SWPPX Schwab S&P 500 Index Fund | -7.07% | 17.87% | 24.96% | 26.26% | -18.14% | 28.67% | 18.38% | 31.46% | -4.47% | 21.81% |
Returns By Period
In the year-to-date period, SWDRX achieves a -2.75% return, which is significantly higher than SWPPX's -7.07% return. Over the past 10 years, SWDRX has underperformed SWPPX with an annualized return of 7.79%, while SWPPX has yielded a comparatively higher 13.71% annualized return.
SWDRX
- 1D
- 0.06%
- 1M
- -6.06%
- YTD
- -2.75%
- 6M
- -0.71%
- 1Y
- 11.29%
- 3Y*
- 10.72%
- 5Y*
- 5.49%
- 10Y*
- 7.79%
SWPPX
- 1D
- -0.37%
- 1M
- -7.65%
- YTD
- -7.07%
- 6M
- -4.58%
- 1Y
- 14.43%
- 3Y*
- 17.15%
- 5Y*
- 11.39%
- 10Y*
- 13.71%
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SWDRX vs. SWPPX - Expense Ratio Comparison
SWDRX has a 0.00% expense ratio, which is lower than SWPPX's 0.02% 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
SWDRX vs. SWPPX — Risk / Return Rank
SWDRX
SWPPX
SWDRX vs. SWPPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2030 Fund (SWDRX) and Schwab S&P 500 Index Fund (SWPPX). 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.
| SWDRX | SWPPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.14 | 0.84 | +0.30 |
Sortino ratioReturn per unit of downside risk | 1.64 | 1.30 | +0.35 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.20 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.45 | 1.06 | +0.39 |
Martin ratioReturn relative to average drawdown | 6.49 | 5.14 | +1.35 |
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
| SWDRX | SWPPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.14 | 0.84 | +0.30 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.44 | 0.68 | -0.24 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.76 | -0.12 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.51 | 0.48 | +0.03 |
Correlation
The correlation between SWDRX and SWPPX is 0.95, 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
SWDRX vs. SWPPX - Dividend Comparison
SWDRX's dividend yield for the trailing twelve months is around 8.54%, more than SWPPX's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWDRX Schwab Target 2030 Fund | 8.54% | 8.31% | 6.37% | 4.28% | 6.77% | 6.92% | 3.23% | 6.60% | 7.03% | 4.86% | 5.87% | 9.35% |
SWPPX Schwab S&P 500 Index Fund | 1.19% | 1.11% | 1.23% | 1.43% | 1.67% | 1.27% | 1.81% | 1.95% | 2.67% | 1.79% | 2.55% | 3.17% |
Drawdowns
SWDRX vs. SWPPX - Drawdown Comparison
The maximum SWDRX drawdown since its inception was -45.34%, smaller than the maximum SWPPX drawdown of -55.06%. Use the drawdown chart below to compare losses from any high point for SWDRX and SWPPX.
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Drawdown Indicators
| SWDRX | SWPPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -45.34% | -55.06% | +9.72% |
Max Drawdown (1Y)Largest decline over 1 year | -7.27% | -12.10% | +4.83% |
Max Drawdown (5Y)Largest decline over 5 years | -28.17% | -24.51% | -3.66% |
Max Drawdown (10Y)Largest decline over 10 years | -28.17% | -33.80% | +5.63% |
Current DrawdownCurrent decline from peak | -6.22% | -8.89% | +2.67% |
Average DrawdownAverage peak-to-trough decline | -6.53% | -10.00% | +3.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.62% | 2.49% | -0.87% |
Volatility
SWDRX vs. SWPPX - Volatility Comparison
The current volatility for Schwab Target 2030 Fund (SWDRX) is 3.28%, while Schwab S&P 500 Index Fund (SWPPX) has a volatility of 4.29%. This indicates that SWDRX experiences smaller price fluctuations and is considered to be less risky than SWPPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWDRX | SWPPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.28% | 4.29% | -1.01% |
Volatility (6M)Calculated over the trailing 6-month period | 5.75% | 9.11% | -3.36% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.03% | 18.14% | -8.11% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.55% | 16.89% | -4.34% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.25% | 18.19% | -5.94% |