SWIRX vs. SWYFX
Compare and contrast key facts about Schwab Target 2035 Fund (SWIRX) and Schwab Target 2035 Index Fund (SWYFX).
SWIRX is managed by Charles Schwab. It was launched on Mar 11, 2008. SWYFX is managed by Schwab Funds. It was launched on Aug 24, 2016.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: SWIRX or SWYFX.
Key characteristics
| SWIRX | SWYFX | |
|---|---|---|
| YTD Return | 11.80% | 12.12% |
| 1Y Return | 19.92% | 20.36% |
| 3Y Return (Ann) | 3.44% | 4.35% |
| 5Y Return (Ann) | 8.41% | 8.77% |
| Sharpe Ratio | 2.01 | 2.05 |
| Daily Std Dev | 9.73% | 9.77% |
| Max Drawdown | -41.53% | -26.50% |
| Current Drawdown | -0.28% | -0.35% |
Correlation
The correlation between SWIRX and SWYFX is 0.98, 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. SWYFX - Performance Comparison
The year-to-date returns for both investments are quite close, with SWIRX having a 11.80% return and SWYFX slightly higher at 12.12%. 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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SWIRX vs. SWYFX - Expense Ratio Comparison
SWIRX has a 0.00% expense ratio, which is lower than SWYFX'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%.
Risk-Adjusted Performance
SWIRX vs. SWYFX - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2035 Fund (SWIRX) and Schwab Target 2035 Index Fund (SWYFX). 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
SWIRX vs. SWYFX - Dividend Comparison
SWIRX's dividend yield for the trailing twelve months is around 5.00%, more than SWYFX's 1.92% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWIRX Schwab Target 2035 Fund | 5.00% | 5.59% | 7.40% | 5.81% | 2.87% | 6.33% | 7.12% | 3.37% | 5.74% | 8.16% | 6.16% | 1.63% |
SWYFX Schwab Target 2035 Index Fund | 1.92% | 2.15% | 2.02% | 1.80% | 1.73% | 2.00% | 2.10% | 1.44% | 0.99% | 0.00% | 0.00% | 0.00% |
Drawdowns
SWIRX vs. SWYFX - Drawdown Comparison
The maximum SWIRX drawdown since its inception was -41.53%, which is greater than SWYFX's maximum drawdown of -26.50%. Use the drawdown chart below to compare losses from any high point for SWIRX and SWYFX. For additional features, visit the drawdowns tool.
Volatility
SWIRX vs. SWYFX - Volatility Comparison
Schwab Target 2035 Fund (SWIRX) and Schwab Target 2035 Index Fund (SWYFX) have volatilities of 1.94% and 2.04%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.