SWGRX vs. SWCRX
Compare and contrast key facts about Schwab Target 2015 Fund (SWGRX) and Schwab Target 2020 Fund (SWCRX).
SWGRX is managed by Charles Schwab. It was launched on Mar 11, 2008. SWCRX is managed by Charles Schwab. It was launched on Jun 30, 2005.
Performance
SWGRX vs. SWCRX - Performance Comparison
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SWGRX vs. SWCRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWGRX Schwab Target 2015 Fund | -2.00% | 11.78% | 7.90% | 12.46% | -14.56% | 7.50% | 11.47% | 15.05% | -3.79% | 10.76% |
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% |
Returns By Period
In the year-to-date period, SWGRX achieves a -2.00% return, which is significantly higher than SWCRX's -2.17% return. Over the past 10 years, SWGRX has underperformed SWCRX with an annualized return of 5.57%, while SWCRX has yielded a comparatively higher 6.03% annualized return.
SWGRX
- 1D
- 0.19%
- 1M
- -4.53%
- YTD
- -2.00%
- 6M
- -0.42%
- 1Y
- 8.53%
- 3Y*
- 8.26%
- 5Y*
- 3.94%
- 10Y*
- 5.57%
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%
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SWGRX vs. SWCRX - Expense Ratio Comparison
SWGRX has a 0.00% expense ratio, which is lower than SWCRX's 0.00% 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
SWGRX vs. SWCRX — Risk / Return Rank
SWGRX
SWCRX
SWGRX vs. SWCRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2015 Fund (SWGRX) and Schwab Target 2020 Fund (SWCRX). 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.
| SWGRX | SWCRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.22 | 1.20 | +0.02 |
Sortino ratioReturn per unit of downside risk | 1.74 | 1.72 | +0.03 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.25 | 0.00 |
Calmar ratioReturn relative to maximum drawdown | 1.64 | 1.56 | +0.08 |
Martin ratioReturn relative to average drawdown | 6.99 | 6.75 | +0.24 |
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
| SWGRX | SWCRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.22 | 1.20 | +0.02 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.38 | 0.38 | 0.00 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.64 | -0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.52 | 0.00 |
Correlation
The correlation between SWGRX and SWCRX is 0.99, 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
SWGRX vs. SWCRX - Dividend Comparison
SWGRX's dividend yield for the trailing twelve months is around 9.05%, less than SWCRX's 10.59% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWGRX Schwab Target 2015 Fund | 9.05% | 8.87% | 8.02% | 6.06% | 6.48% | 6.90% | 4.41% | 5.44% | 5.15% | 5.67% | 5.27% | 7.08% |
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% |
Drawdowns
SWGRX vs. SWCRX - Drawdown Comparison
The maximum SWGRX drawdown since its inception was -34.83%, smaller than the maximum SWCRX drawdown of -42.19%. Use the drawdown chart below to compare losses from any high point for SWGRX and SWCRX.
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Drawdown Indicators
| SWGRX | SWCRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.83% | -42.19% | +7.36% |
Max Drawdown (1Y)Largest decline over 1 year | -5.07% | -5.51% | +0.44% |
Max Drawdown (5Y)Largest decline over 5 years | -24.46% | -25.28% | +0.82% |
Max Drawdown (10Y)Largest decline over 10 years | -24.46% | -25.28% | +0.82% |
Current DrawdownCurrent decline from peak | -4.53% | -4.82% | +0.29% |
Average DrawdownAverage peak-to-trough decline | -4.83% | -5.85% | +1.02% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.19% | 1.27% | -0.08% |
Volatility
SWGRX vs. SWCRX - Volatility Comparison
Schwab Target 2015 Fund (SWGRX) and Schwab Target 2020 Fund (SWCRX) have volatilities of 2.53% and 2.63%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWGRX | SWCRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.53% | 2.63% | -0.10% |
Volatility (6M)Calculated over the trailing 6-month period | 4.16% | 4.37% | -0.21% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.12% | 7.59% | -0.47% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.34% | 10.92% | -0.58% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.76% | 9.40% | -0.64% |