SWHRX vs. VTI
Compare and contrast key facts about Schwab Target 2025 Fund (SWHRX) and Vanguard Total Stock Market ETF (VTI).
SWHRX is managed by Charles Schwab. It was launched on Mar 11, 2008. VTI is a passively managed fund by Vanguard that tracks the performance of the CRSP US Total Market Index. It was launched on May 24, 2001.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: SWHRX or VTI.
Key characteristics
| SWHRX | VTI | |
|---|---|---|
| YTD Return | 9.24% | 21.95% |
| 1Y Return | 21.50% | 40.49% |
| 3Y Return (Ann) | 1.94% | 8.18% |
| 5Y Return (Ann) | 6.20% | 14.77% |
| 10Y Return (Ann) | 6.00% | 12.63% |
| Sharpe Ratio | 3.11 | 3.34 |
| Sortino Ratio | 4.58 | 4.42 |
| Omega Ratio | 1.67 | 1.62 |
| Calmar Ratio | 1.55 | 3.31 |
| Martin Ratio | 21.44 | 21.57 |
| Ulcer Index | 1.02% | 1.92% |
| Daily Std Dev | 6.99% | 12.38% |
| Max Drawdown | -37.97% | -55.45% |
| Current Drawdown | -1.34% | -0.87% |
Correlation
The correlation between SWHRX and VTI 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.
Performance
SWHRX vs. VTI - Performance Comparison
In the year-to-date period, SWHRX achieves a 9.24% return, which is significantly lower than VTI's 21.95% return. Over the past 10 years, SWHRX has underperformed VTI with an annualized return of 6.00%, while VTI has yielded a comparatively higher 12.63% annualized return. The chart below displays the growth of a $10,000 investment in both assets, with all prices adjusted for splits and dividends.
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SWHRX vs. VTI - Expense Ratio Comparison
SWHRX has a 0.00% expense ratio, which is lower than VTI'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%.
Risk-Adjusted Performance
SWHRX vs. VTI - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2025 Fund (SWHRX) and Vanguard Total Stock Market ETF (VTI). 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.
Dividends
SWHRX vs. VTI - Dividend Comparison
SWHRX's dividend yield for the trailing twelve months is around 4.75%, more than VTI's 1.30% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWHRX Schwab Target 2025 Fund | 4.75% | 5.19% | 5.72% | 6.41% | 2.94% | 5.47% | 5.95% | 3.78% | 5.31% | 7.05% | 5.50% | 1.65% |
VTI Vanguard Total Stock Market ETF | 1.30% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% | 1.76% | 1.74% |
Drawdowns
SWHRX vs. VTI - Drawdown Comparison
The maximum SWHRX drawdown since its inception was -37.97%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for SWHRX and VTI. For additional features, visit the drawdowns tool.
Volatility
SWHRX vs. VTI - Volatility Comparison
The current volatility for Schwab Target 2025 Fund (SWHRX) is 1.38%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 2.55%. This indicates that SWHRX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.