SWDRX vs. VTHRX
SWDRX (Schwab Target 2030 Fund) and VTHRX (Vanguard Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 10 years, SWDRX returned 8.65%/yr vs 8.94%/yr for VTHRX. With a 0.98 correlation, they move nearly in lockstep. SWDRX charges 0.00%/yr vs 0.08%/yr for VTHRX.
Performance
SWDRX vs. VTHRX - Performance Comparison
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Returns By Period
In the year-to-date period, SWDRX achieves a 6.39% return, which is significantly lower than VTHRX's 7.77% return. Both investments have delivered pretty close results over the past 10 years, with SWDRX having a 8.65% annualized return and VTHRX not far ahead at 8.94%.
SWDRX
- 1D
- 0.72%
- 1M
- 0.89%
- YTD
- 6.39%
- 6M
- 6.28%
- 1Y
- 16.83%
- 3Y*
- 12.70%
- 5Y*
- 6.57%
- 10Y*
- 8.65%
VTHRX
- 1D
- 0.80%
- 1M
- 1.42%
- YTD
- 7.77%
- 6M
- 7.76%
- 1Y
- 19.21%
- 3Y*
- 13.67%
- 5Y*
- 7.12%
- 10Y*
- 8.94%
SWDRX vs. VTHRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWDRX Schwab Target 2030 Fund | 6.39% | 14.87% | 10.52% | 16.38% | -17.00% | 12.52% | 13.49% | 20.41% | -7.20% | 17.55% |
VTHRX Vanguard Target Retirement 2030 Fund | 7.77% | 16.25% | 10.43% | 16.24% | -16.28% | 11.37% | 14.11% | 21.08% | -5.85% | 15.24% |
Correlation
The correlation between SWDRX and VTHRX is 0.99 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.99 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.97 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.97 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.97 |
Correlation (All Time) Calculated using the full available price history since Jun 7, 2006 | 0.98 |
The correlation between SWDRX and VTHRX has been stable across timeframes, ranging from 0.97 to 0.99 - a consistent structural relationship.
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Return for Risk
SWDRX vs. VTHRX — Risk / Return Rank
SWDRX
VTHRX
SWDRX vs. VTHRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2030 Fund (SWDRX) and Vanguard Target Retirement 2030 Fund (VTHRX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SWDRX | VTHRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.17 | ||
| Sortino ratioReturn per unit of downside risk | -0.24 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.42 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.66 | 2.89 | -0.23 |
| Martin ratioReturn relative to average drawdown | 11.51 | 12.44 | -0.93 |
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Drawdowns
SWDRX vs. VTHRX - Drawdown Comparison
The maximum SWDRX drawdown since its inception was -45.34%, smaller than the maximum VTHRX drawdown of -49.57%. Use the drawdown chart below to compare losses from any high point for SWDRX and VTHRX.
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Drawdown Indicators
| SWDRX | VTHRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -45.34% | -49.57% | +4.23% |
Max Drawdown (1Y)Largest decline over 1 year | -6.27% | -6.56% | +0.29% |
Max Drawdown (3Y)Largest decline over 3 years | -9.71% | -9.64% | -0.07% |
Max Drawdown (5Y)Largest decline over 5 years | -28.17% | -22.75% | -5.42% |
Max Drawdown (10Y)Largest decline over 10 years | -28.17% | -24.86% | -3.31% |
Current DrawdownCurrent decline from peak | -0.27% | -0.26% | -0.01% |
Average DrawdownAverage peak-to-trough decline | -6.47% | -6.17% | -0.30% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.45% | 1.52% | -0.07% |
Volatility
SWDRX vs. VTHRX - Volatility Comparison
The current volatility for Schwab Target 2030 Fund (SWDRX) is 3.15%, while Vanguard Target Retirement 2030 Fund (VTHRX) has a volatility of 3.47%. This indicates that SWDRX experiences smaller price fluctuations and is considered to be less risky than VTHRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWDRX | VTHRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.15% | 3.47% | -0.32% |
Volatility (6M)Calculated over the trailing 6-month period | 6.65% | 7.17% | -0.52% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.16% | 8.56% | -0.40% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.64% | 10.44% | +2.20% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.29% | 11.29% | +1.00% |
SWDRX vs. VTHRX - Expense Ratio Comparison
SWDRX has a 0.00% expense ratio, which is lower than VTHRX's 0.08% 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%.
Dividends
SWDRX vs. VTHRX - Dividend Comparison
SWDRX's dividend yield for the trailing twelve months is around 7.81%, more than VTHRX's 3.74% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWDRX Schwab Target 2030 Fund | 7.81% | 8.31% | 6.37% | 4.28% | 6.77% | 6.92% | 3.23% | 6.60% | 7.03% | 4.86% | 5.87% | 9.35% |
VTHRX Vanguard Target Retirement 2030 Fund | 3.74% | 4.03% | 3.63% | 2.59% | 2.53% | 17.56% | 2.56% | 2.38% | 2.71% | 0.06% | 2.38% | 3.72% |
Frequently Asked Questions
With a correlation of 0.99, SWDRX and VTHRX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
VTHRX has higher volatility (3.47%) compared to SWDRX (3.15%). In terms of maximum drawdown, SWDRX dropped -45.34% vs VTHRX's -49.57%.
VTHRX currently has the higher Sharpe Ratio (2.22 vs 2.05), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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