SWHRX vs. SWSSX
Compare and contrast key facts about Schwab Target 2025 Fund (SWHRX) and Schwab Small-Cap Index Fund-Select Shares (SWSSX).
SWHRX is managed by Charles Schwab. It was launched on Mar 11, 2008. SWSSX is a passively managed fund by Charles Schwab that tracks the performance of the Russell 2000 Index. It was launched on May 19, 1997.
Performance
SWHRX vs. SWSSX - Performance Comparison
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SWHRX vs. SWSSX - 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% |
SWSSX Schwab Small-Cap Index Fund-Select Shares | -2.49% | 12.88% | 11.57% | 17.07% | -20.43% | 14.77% | 20.12% | 25.63% | -11.19% | 14.76% |
Returns By Period
In the year-to-date period, SWHRX achieves a -2.25% return, which is significantly higher than SWSSX's -2.49% return. Over the past 10 years, SWHRX has underperformed SWSSX with an annualized return of 6.84%, while SWSSX has yielded a comparatively higher 9.50% 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%
SWSSX
- 1D
- -1.45%
- 1M
- -8.18%
- YTD
- -2.49%
- 6M
- -0.36%
- 1Y
- 21.55%
- 3Y*
- 11.83%
- 5Y*
- 3.10%
- 10Y*
- 9.50%
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SWHRX vs. SWSSX - Expense Ratio Comparison
SWHRX has a 0.00% expense ratio, which is lower than SWSSX's 0.04% 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. SWSSX — Risk / Return Rank
SWHRX
SWSSX
SWHRX vs. SWSSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2025 Fund (SWHRX) and Schwab Small-Cap Index Fund-Select Shares (SWSSX). 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 | SWSSX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 0.91 | +0.28 |
Sortino ratioReturn per unit of downside risk | 1.71 | 1.40 | +0.31 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.18 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.55 | 1.33 | +0.22 |
Martin ratioReturn relative to average drawdown | 6.71 | 5.02 | +1.69 |
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 | SWSSX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.19 | 0.91 | +0.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.42 | 0.14 | +0.28 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | 0.40 | +0.26 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.53 | 0.33 | +0.20 |
Correlation
The correlation between SWHRX and SWSSX is 0.86, 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. SWSSX - Dividend Comparison
SWHRX's dividend yield for the trailing twelve months is around 10.37%, more than SWSSX's 1.32% 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% |
SWSSX Schwab Small-Cap Index Fund-Select Shares | 1.32% | 1.29% | 1.66% | 1.49% | 1.32% | 8.88% | 2.55% | 6.12% | 10.45% | 5.22% | 4.10% | 6.92% |
Drawdowns
SWHRX vs. SWSSX - Drawdown Comparison
The maximum SWHRX drawdown since its inception was -37.97%, smaller than the maximum SWSSX drawdown of -60.34%. Use the drawdown chart below to compare losses from any high point for SWHRX and SWSSX.
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Drawdown Indicators
| SWHRX | SWSSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -37.97% | -60.34% | +22.37% |
Max Drawdown (1Y)Largest decline over 1 year | -5.72% | -13.90% | +8.18% |
Max Drawdown (5Y)Largest decline over 5 years | -26.06% | -31.93% | +5.87% |
Max Drawdown (10Y)Largest decline over 10 years | -26.06% | -41.81% | +15.75% |
Current DrawdownCurrent decline from peak | -5.04% | -11.00% | +5.96% |
Average DrawdownAverage peak-to-trough decline | -5.38% | -10.78% | +5.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.32% | 3.68% | -2.36% |
Volatility
SWHRX vs. SWSSX - Volatility Comparison
The current volatility for Schwab Target 2025 Fund (SWHRX) is 2.72%, while Schwab Small-Cap Index Fund-Select Shares (SWSSX) has a volatility of 6.59%. This indicates that SWHRX experiences smaller price fluctuations and is considered to be less risky than SWSSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWHRX | SWSSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.72% | 6.59% | -3.87% |
Volatility (6M)Calculated over the trailing 6-month period | 4.52% | 14.12% | -9.60% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.87% | 23.11% | -15.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.90% | 22.57% | -11.67% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.49% | 24.03% | -13.54% |