SWDRX vs. SWTSX

In the year-to-date period, SWDRX achieves a 3.86% return, which is significantly higher than SWTSX's 0.52% return. Over the past 10 years, SWDRX has underperformed SWTSX with an annualized return of 2.64%, while SWTSX has yielded a comparatively higher 11.80% annualized return.

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SWDRX 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%.

This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2030 Fund (SWDRX) 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.

The current SWDRX Sharpe Ratio is 0.54, which is comparable to the SWTSX Sharpe Ratio of 0.69. The chart below compares the historical Sharpe Ratios of SWDRX and SWTSX, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

SWDRX's dividend yield for the trailing twelve months is around 6.13%, more than SWTSX's 1.23% yield.

The maximum SWDRX drawdown since its inception was -45.80%, smaller than the maximum SWTSX drawdown of -54.70%. Use the drawdown chart below to compare losses from any high point for SWDRX and SWTSX.

The current volatility for Schwab Target 2030 Fund (SWDRX) is 2.37%, while Schwab Total Stock Market Index Fund (SWTSX) has a volatility of 4.98%. This indicates that SWDRX 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.