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SWIRX vs. AAFTX
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility

Correlation

The correlation between SWIRX and AAFTX is 0.95, 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

SWIRX vs. AAFTX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab Target 2035 Fund (SWIRX) and American Funds 2035 Target Date Retirement Fund (AAFTX). The values are adjusted to include any dividend payments, if applicable.

120.00%140.00%160.00%180.00%200.00%220.00%December2025FebruaryMarchAprilMay
141.34%
203.71%
SWIRX
AAFTX

Key characteristics

Sharpe Ratio

SWIRX:

0.50

AAFTX:

0.52

Sortino Ratio

SWIRX:

0.81

AAFTX:

0.82

Omega Ratio

SWIRX:

1.11

AAFTX:

1.12

Calmar Ratio

SWIRX:

0.52

AAFTX:

0.56

Martin Ratio

SWIRX:

2.04

AAFTX:

2.10

Ulcer Index

SWIRX:

3.18%

AAFTX:

3.05%

Daily Std Dev

SWIRX:

12.43%

AAFTX:

11.66%

Max Drawdown

SWIRX:

-41.52%

AAFTX:

-48.60%

Current Drawdown

SWIRX:

-3.66%

AAFTX:

-3.45%

Returns By Period

In the year-to-date period, SWIRX achieves a 1.47% return, which is significantly lower than AAFTX's 1.85% return. Over the past 10 years, SWIRX has underperformed AAFTX with an annualized return of 3.53%, while AAFTX has yielded a comparatively higher 4.96% annualized return.


SWIRX

YTD

1.47%

1M

4.41%

6M

-2.43%

1Y

6.11%

5Y*

6.77%

10Y*

3.53%

AAFTX

YTD

1.85%

1M

4.10%

6M

-2.68%

1Y

6.00%

5Y*

7.04%

10Y*

4.96%

*Annualized

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SWIRX vs. AAFTX - Expense Ratio Comparison

SWIRX has a 0.00% expense ratio, which is lower than AAFTX's 0.33% expense ratio.


Risk-Adjusted Performance

SWIRX vs. AAFTX — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SWIRX
The Risk-Adjusted Performance Rank of SWIRX is 6060
Overall Rank
The Sharpe Ratio Rank of SWIRX is 5656
Sharpe Ratio Rank
The Sortino Ratio Rank of SWIRX is 5757
Sortino Ratio Rank
The Omega Ratio Rank of SWIRX is 5757
Omega Ratio Rank
The Calmar Ratio Rank of SWIRX is 6767
Calmar Ratio Rank
The Martin Ratio Rank of SWIRX is 6161
Martin Ratio Rank

AAFTX
The Risk-Adjusted Performance Rank of AAFTX is 6161
Overall Rank
The Sharpe Ratio Rank of AAFTX is 5858
Sharpe Ratio Rank
The Sortino Ratio Rank of AAFTX is 5858
Sortino Ratio Rank
The Omega Ratio Rank of AAFTX is 5858
Omega Ratio Rank
The Calmar Ratio Rank of AAFTX is 7070
Calmar Ratio Rank
The Martin Ratio Rank of AAFTX is 6262
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

SWIRX vs. AAFTX - Risk-Adjusted Performance Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2035 Fund (SWIRX) and American Funds 2035 Target Date Retirement Fund (AAFTX). 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.


The current SWIRX Sharpe Ratio is 0.50, which is comparable to the AAFTX Sharpe Ratio of 0.52. The chart below compares the historical Sharpe Ratios of SWIRX and AAFTX, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.


Rolling 12-month Sharpe Ratio-0.500.000.501.001.502.002.503.00December2025FebruaryMarchAprilMay
0.50
0.52
SWIRX
AAFTX

Dividends

SWIRX vs. AAFTX - Dividend Comparison

SWIRX's dividend yield for the trailing twelve months is around 2.33%, more than AAFTX's 1.69% yield.


TTM20242023202220212020201920182017201620152014
SWIRX
Schwab Target 2035 Fund
2.33%2.36%2.17%1.94%2.64%1.45%2.25%2.70%2.50%1.66%2.08%2.41%
AAFTX
American Funds 2035 Target Date Retirement Fund
1.69%1.72%1.72%1.44%0.87%0.98%1.11%1.20%0.93%1.04%0.74%4.70%

Drawdowns

SWIRX vs. AAFTX - Drawdown Comparison

The maximum SWIRX drawdown since its inception was -41.52%, smaller than the maximum AAFTX drawdown of -48.60%. Use the drawdown chart below to compare losses from any high point for SWIRX and AAFTX. For additional features, visit the drawdowns tool.


-12.00%-10.00%-8.00%-6.00%-4.00%-2.00%0.00%December2025FebruaryMarchAprilMay
-3.66%
-3.45%
SWIRX
AAFTX

Volatility

SWIRX vs. AAFTX - Volatility Comparison

Schwab Target 2035 Fund (SWIRX) has a higher volatility of 3.86% compared to American Funds 2035 Target Date Retirement Fund (AAFTX) at 3.66%. This indicates that SWIRX's price experiences larger fluctuations and is considered to be riskier than AAFTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.


2.00%4.00%6.00%8.00%December2025FebruaryMarchAprilMay
3.86%
3.66%
SWIRX
AAFTX