SWHRX vs. SWPPX
Compare and contrast key facts about Schwab Target 2025 Fund (SWHRX) and Schwab S&P 500 Index Fund (SWPPX).
SWHRX is managed by Charles Schwab. It was launched on Mar 11, 2008. SWPPX is a passively managed fund by Charles Schwab that tracks the performance of the S&P 500 Index. It was launched on May 19, 1997.
Performance
SWHRX vs. SWPPX - Performance Comparison
Loading graphics...
SWHRX vs. SWPPX - 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% |
SWPPX Schwab S&P 500 Index Fund | -7.07% | 17.87% | 24.96% | 26.26% | -18.14% | 28.67% | 18.38% | 31.46% | -4.47% | 21.81% |
Returns By Period
In the year-to-date period, SWHRX achieves a -2.25% return, which is significantly higher than SWPPX's -7.07% return. Over the past 10 years, SWHRX has underperformed SWPPX with an annualized return of 6.84%, while SWPPX has yielded a comparatively higher 13.71% 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%
SWPPX
- 1D
- -0.37%
- 1M
- -7.65%
- YTD
- -7.07%
- 6M
- -4.58%
- 1Y
- 14.43%
- 3Y*
- 17.15%
- 5Y*
- 11.39%
- 10Y*
- 13.71%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
SWHRX vs. SWPPX - Expense Ratio Comparison
SWHRX has a 0.00% expense ratio, which is lower than SWPPX's 0.02% 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. SWPPX — Risk / Return Rank
SWHRX
SWPPX
SWHRX vs. SWPPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2025 Fund (SWHRX) and Schwab S&P 500 Index Fund (SWPPX). 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 | SWPPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 0.84 | +0.35 |
Sortino ratioReturn per unit of downside risk | 1.71 | 1.30 | +0.41 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.20 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.55 | 1.06 | +0.49 |
Martin ratioReturn relative to average drawdown | 6.71 | 5.14 | +1.57 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| SWHRX | SWPPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.19 | 0.84 | +0.35 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.42 | 0.68 | -0.26 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | 0.76 | -0.10 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.53 | 0.48 | +0.05 |
Correlation
The correlation between SWHRX and SWPPX 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. SWPPX - Dividend Comparison
SWHRX's dividend yield for the trailing twelve months is around 10.37%, more than SWPPX's 1.19% 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% |
SWPPX Schwab S&P 500 Index Fund | 1.19% | 1.11% | 1.23% | 1.43% | 1.67% | 1.27% | 1.81% | 1.95% | 2.67% | 1.79% | 2.55% | 3.17% |
Drawdowns
SWHRX vs. SWPPX - Drawdown Comparison
The maximum SWHRX drawdown since its inception was -37.97%, smaller than the maximum SWPPX drawdown of -55.06%. Use the drawdown chart below to compare losses from any high point for SWHRX and SWPPX.
Loading graphics...
Drawdown Indicators
| SWHRX | SWPPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -37.97% | -55.06% | +17.09% |
Max Drawdown (1Y)Largest decline over 1 year | -5.72% | -12.10% | +6.38% |
Max Drawdown (5Y)Largest decline over 5 years | -26.06% | -24.51% | -1.55% |
Max Drawdown (10Y)Largest decline over 10 years | -26.06% | -33.80% | +7.74% |
Current DrawdownCurrent decline from peak | -5.04% | -8.89% | +3.85% |
Average DrawdownAverage peak-to-trough decline | -5.38% | -10.00% | +4.62% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.32% | 2.49% | -1.17% |
Volatility
SWHRX vs. SWPPX - Volatility Comparison
The current volatility for Schwab Target 2025 Fund (SWHRX) is 2.72%, while Schwab S&P 500 Index Fund (SWPPX) has a volatility of 4.29%. This indicates that SWHRX experiences smaller price fluctuations and is considered to be less risky than SWPPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| SWHRX | SWPPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.72% | 4.29% | -1.57% |
Volatility (6M)Calculated over the trailing 6-month period | 4.52% | 9.11% | -4.59% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.87% | 18.14% | -10.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.90% | 16.89% | -5.99% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.49% | 18.19% | -7.70% |