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

Correlation

The correlation between SWIRX and SWYFX 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

SWIRX vs. SWYFX - Performance Comparison

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

40.00%60.00%80.00%100.00%December2025FebruaryMarchAprilMay
48.99%
100.31%
SWIRX
SWYFX

Key characteristics

Sharpe Ratio

SWIRX:

0.50

SWYFX:

0.69

Sortino Ratio

SWIRX:

0.81

SWYFX:

1.10

Omega Ratio

SWIRX:

1.11

SWYFX:

1.16

Calmar Ratio

SWIRX:

0.52

SWYFX:

0.78

Martin Ratio

SWIRX:

2.04

SWYFX:

3.44

Ulcer Index

SWIRX:

3.18%

SWYFX:

2.63%

Daily Std Dev

SWIRX:

12.43%

SWYFX:

12.46%

Max Drawdown

SWIRX:

-41.52%

SWYFX:

-26.50%

Current Drawdown

SWIRX:

-3.66%

SWYFX:

-2.64%

Returns By Period

In the year-to-date period, SWIRX achieves a 1.47% return, which is significantly higher than SWYFX's 1.38% return.


SWIRX

YTD

1.47%

1M

4.41%

6M

-2.43%

1Y

6.11%

5Y*

6.77%

10Y*

3.53%

SWYFX

YTD

1.38%

1M

4.12%

6M

-0.92%

1Y

8.57%

5Y*

9.69%

10Y*

N/A

*Annualized

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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 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

SWYFX
The Risk-Adjusted Performance Rank of SWYFX is 7474
Overall Rank
The Sharpe Ratio Rank of SWYFX is 6868
Sharpe Ratio Rank
The Sortino Ratio Rank of SWYFX is 7070
Sortino Ratio Rank
The Omega Ratio Rank of SWYFX is 7373
Omega Ratio Rank
The Calmar Ratio Rank of SWYFX is 8080
Calmar Ratio Rank
The Martin Ratio Rank of SWYFX is 8080
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. 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.


The current SWIRX Sharpe Ratio is 0.50, which is comparable to the SWYFX Sharpe Ratio of 0.69. The chart below compares the historical Sharpe Ratios of SWIRX and SWYFX, 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
0.69
SWIRX
SWYFX

Dividends

SWIRX vs. SWYFX - Dividend Comparison

SWIRX's dividend yield for the trailing twelve months is around 2.33%, which matches SWYFX's 2.34% 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%
SWYFX
Schwab Target 2035 Index Fund
2.34%2.37%2.15%2.02%1.72%1.64%1.99%2.10%1.43%0.99%0.00%0.00%

Drawdowns

SWIRX vs. SWYFX - Drawdown Comparison

The maximum SWIRX drawdown since its inception was -41.52%, 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.


-12.00%-10.00%-8.00%-6.00%-4.00%-2.00%0.00%December2025FebruaryMarchAprilMay
-3.66%
-2.64%
SWIRX
SWYFX

Volatility

SWIRX vs. SWYFX - Volatility Comparison

The current volatility for Schwab Target 2035 Fund (SWIRX) is 3.86%, while Schwab Target 2035 Index Fund (SWYFX) has a volatility of 4.18%. This indicates that SWIRX experiences smaller price fluctuations and is considered to be less risky than SWYFX 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%
4.18%
SWIRX
SWYFX