SWIRX vs. TRRJX
Compare and contrast key facts about Schwab Target 2035 Fund (SWIRX) and T. Rowe Price Retirement 2035 Fund (TRRJX).
SWIRX is managed by Charles Schwab. It was launched on Mar 11, 2008. TRRJX is managed by T. Rowe Price. It was launched on Feb 27, 2004.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: SWIRX or TRRJX.
Performance
SWIRX vs. TRRJX - Performance Comparison
Returns By Period
In the year-to-date period, SWIRX achieves a 14.32% return, which is significantly lower than TRRJX's 15.32% return. Over the past 10 years, SWIRX has underperformed TRRJX with an annualized return of 3.75%, while TRRJX has yielded a comparatively higher 8.37% annualized return.
SWIRX
14.32%
1.74%
7.79%
19.17%
4.79%
3.75%
TRRJX
15.32%
1.97%
7.40%
21.57%
9.06%
8.37%
Key characteristics
| SWIRX | TRRJX | |
|---|---|---|
| Sharpe Ratio | 2.12 | 2.33 |
| Sortino Ratio | 3.00 | 3.25 |
| Omega Ratio | 1.39 | 1.42 |
| Calmar Ratio | 1.18 | 2.19 |
| Martin Ratio | 12.81 | 15.01 |
| Ulcer Index | 1.50% | 1.44% |
| Daily Std Dev | 9.02% | 9.24% |
| Max Drawdown | -41.52% | -53.57% |
| Current Drawdown | -0.30% | -0.05% |
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SWIRX vs. TRRJX - Expense Ratio Comparison
SWIRX has a 0.00% expense ratio, which is lower than TRRJX's 0.59% expense ratio.
Correlation
The correlation between SWIRX and TRRJX is 0.97, 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.
Risk-Adjusted Performance
SWIRX vs. TRRJX - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2035 Fund (SWIRX) and T. Rowe Price Retirement 2035 Fund (TRRJX). 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. TRRJX - Dividend Comparison
SWIRX's dividend yield for the trailing twelve months is around 1.90%, more than TRRJX's 1.45% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWIRX Schwab Target 2035 Fund | 1.90% | 2.17% | 1.94% | 2.64% | 1.45% | 2.25% | 2.70% | 2.50% | 1.66% | 2.08% | 2.41% | 1.63% |
TRRJX T. Rowe Price Retirement 2035 Fund | 1.45% | 1.67% | 1.55% | 0.87% | 0.94% | 1.79% | 1.78% | 1.48% | 1.47% | 1.52% | 1.44% | 1.04% |
Drawdowns
SWIRX vs. TRRJX - Drawdown Comparison
The maximum SWIRX drawdown since its inception was -41.52%, smaller than the maximum TRRJX drawdown of -53.57%. Use the drawdown chart below to compare losses from any high point for SWIRX and TRRJX. For additional features, visit the drawdowns tool.
Volatility
SWIRX vs. TRRJX - Volatility Comparison
Schwab Target 2035 Fund (SWIRX) and T. Rowe Price Retirement 2035 Fund (TRRJX) have volatilities of 2.37% and 2.46%, 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.