SWHRX vs. SCHX
Compare and contrast key facts about Schwab Target 2025 Fund (SWHRX) and Schwab U.S. Large-Cap ETF (SCHX).
SWHRX is managed by Charles Schwab. It was launched on Mar 11, 2008. SCHX is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Large-Cap Total Stock Market Index. It was launched on Nov 3, 2009.
Performance
SWHRX vs. SCHX - Performance Comparison
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SWHRX vs. SCHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWHRX Schwab Target 2025 Fund | -2.25% | 12.70% | 8.78% | 14.29% | -15.90% | 10.31% | 12.55% | 18.66% | -6.00% | 15.57% |
SCHX Schwab U.S. Large-Cap ETF | -4.45% | 17.46% | 24.88% | 26.84% | -19.41% | 26.81% | 20.81% | 31.22% | -4.66% | 21.95% |
Returns By Period
In the year-to-date period, SWHRX achieves a -2.25% return, which is significantly higher than SCHX's -4.45% return. Over the past 10 years, SWHRX has underperformed SCHX with an annualized return of 6.84%, while SCHX has yielded a comparatively higher 13.93% annualized return.
SWHRX
- 1D
- 0.14%
- 1M
- -4.98%
- YTD
- -2.25%
- 6M
- -0.55%
- 1Y
- 9.17%
- 3Y*
- 9.13%
- 5Y*
- 4.54%
- 10Y*
- 6.84%
SCHX
- 1D
- 2.89%
- 1M
- -4.98%
- YTD
- -4.45%
- 6M
- -2.09%
- 1Y
- 17.48%
- 3Y*
- 18.24%
- 5Y*
- 11.12%
- 10Y*
- 13.93%
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SWHRX vs. SCHX - Expense Ratio Comparison
SWHRX has a 0.00% expense ratio, which is lower than SCHX'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%.
Return for Risk
SWHRX vs. SCHX — Risk / Return Rank
SWHRX
SCHX
SWHRX vs. SCHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2025 Fund (SWHRX) and Schwab U.S. Large-Cap ETF (SCHX). 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.
| SWHRX | SCHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 0.96 | +0.23 |
Sortino ratioReturn per unit of downside risk | 1.71 | 1.46 | +0.25 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.22 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.55 | 1.49 | +0.06 |
Martin ratioReturn relative to average drawdown | 6.71 | 6.98 | -0.27 |
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
| SWHRX | SCHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.19 | 0.96 | +0.23 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.42 | 0.65 | -0.23 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | 0.77 | -0.12 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.53 | 0.80 | -0.27 |
Correlation
The correlation between SWHRX and SCHX is 0.94, 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
SWHRX vs. SCHX - Dividend Comparison
SWHRX's dividend yield for the trailing twelve months is around 10.37%, more than SCHX's 1.17% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWHRX Schwab Target 2025 Fund | 10.37% | 10.13% | 7.82% | 5.19% | 5.72% | 6.41% | 2.94% | 5.47% | 5.95% | 3.78% | 5.31% | 7.05% |
SCHX Schwab U.S. Large-Cap ETF | 1.17% | 1.09% | 1.22% | 1.39% | 1.64% | 1.22% | 1.64% | 1.82% | 2.02% | 1.70% | 1.92% | 2.04% |
Drawdowns
SWHRX vs. SCHX - Drawdown Comparison
The maximum SWHRX drawdown since its inception was -37.97%, which is greater than SCHX's maximum drawdown of -34.33%. Use the drawdown chart below to compare losses from any high point for SWHRX and SCHX.
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Drawdown Indicators
| SWHRX | SCHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -37.97% | -34.33% | -3.64% |
Max Drawdown (1Y)Largest decline over 1 year | -5.72% | -12.19% | +6.47% |
Max Drawdown (5Y)Largest decline over 5 years | -26.06% | -25.41% | -0.65% |
Max Drawdown (10Y)Largest decline over 10 years | -26.06% | -34.33% | +8.27% |
Current DrawdownCurrent decline from peak | -5.04% | -6.40% | +1.36% |
Average DrawdownAverage peak-to-trough decline | -5.38% | -4.00% | -1.38% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.32% | 2.60% | -1.28% |
Volatility
SWHRX vs. SCHX - Volatility Comparison
The current volatility for Schwab Target 2025 Fund (SWHRX) is 2.72%, while Schwab U.S. Large-Cap ETF (SCHX) has a volatility of 5.31%. This indicates that SWHRX experiences smaller price fluctuations and is considered to be less risky than SCHX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWHRX | SCHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.72% | 5.31% | -2.59% |
Volatility (6M)Calculated over the trailing 6-month period | 4.52% | 9.64% | -5.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.87% | 18.33% | -10.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.90% | 17.14% | -6.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.49% | 18.13% | -7.64% |