SWDRX vs. SWSSX
Compare and contrast key facts about Schwab Target 2030 Fund (SWDRX) and Schwab Small-Cap Index Fund-Select Shares (SWSSX).
SWDRX 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
SWDRX vs. SWSSX - Performance Comparison
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SWDRX vs. SWSSX - 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% |
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, SWDRX achieves a -2.75% return, which is significantly lower than SWSSX's -2.49% return. Over the past 10 years, SWDRX has underperformed SWSSX with an annualized return of 7.79%, while SWSSX has yielded a comparatively higher 9.50% 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%
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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SWDRX vs. SWSSX - Expense Ratio Comparison
SWDRX 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
SWDRX vs. SWSSX — Risk / Return Rank
SWDRX
SWSSX
SWDRX vs. SWSSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2030 Fund (SWDRX) 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.
| SWDRX | SWSSX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.14 | 0.91 | +0.23 |
Sortino ratioReturn per unit of downside risk | 1.64 | 1.40 | +0.24 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.18 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.45 | 1.33 | +0.12 |
Martin ratioReturn relative to average drawdown | 6.49 | 5.02 | +1.47 |
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 | SWSSX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.14 | 0.91 | +0.23 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.44 | 0.14 | +0.30 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.40 | +0.24 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.51 | 0.33 | +0.18 |
Correlation
The correlation between SWDRX and SWSSX is 0.88, 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. SWSSX - Dividend Comparison
SWDRX's dividend yield for the trailing twelve months is around 8.54%, more than SWSSX's 1.32% 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% |
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
SWDRX vs. SWSSX - Drawdown Comparison
The maximum SWDRX drawdown since its inception was -45.34%, smaller than the maximum SWSSX drawdown of -60.34%. Use the drawdown chart below to compare losses from any high point for SWDRX and SWSSX.
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Drawdown Indicators
| SWDRX | SWSSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -45.34% | -60.34% | +15.00% |
Max Drawdown (1Y)Largest decline over 1 year | -7.27% | -13.90% | +6.63% |
Max Drawdown (5Y)Largest decline over 5 years | -28.17% | -31.93% | +3.76% |
Max Drawdown (10Y)Largest decline over 10 years | -28.17% | -41.81% | +13.64% |
Current DrawdownCurrent decline from peak | -6.22% | -11.00% | +4.78% |
Average DrawdownAverage peak-to-trough decline | -6.53% | -10.78% | +4.25% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.62% | 3.68% | -2.06% |
Volatility
SWDRX vs. SWSSX - Volatility Comparison
The current volatility for Schwab Target 2030 Fund (SWDRX) is 3.28%, while Schwab Small-Cap Index Fund-Select Shares (SWSSX) has a volatility of 6.59%. This indicates that SWDRX 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
| SWDRX | SWSSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.28% | 6.59% | -3.31% |
Volatility (6M)Calculated over the trailing 6-month period | 5.75% | 14.12% | -8.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.03% | 23.11% | -13.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.55% | 22.57% | -10.02% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.25% | 24.03% | -11.78% |