SWJRX vs. FBALX
Compare and contrast key facts about Schwab Monthly Income Fund - Moderate Payout (SWJRX) and Fidelity Balanced Fund (FBALX).
SWJRX is managed by Charles Schwab. It was launched on Mar 27, 2008. FBALX is managed by Fidelity. It was launched on Nov 6, 1986.
Performance
SWJRX vs. FBALX - Performance Comparison
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SWJRX vs. FBALX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWJRX Schwab Monthly Income Fund - Moderate Payout | 3.47% | 12.17% | 3.83% | 8.79% | -12.81% | 9.23% | 5.32% | 16.40% | -6.31% | 10.80% |
FBALX Fidelity Balanced Fund | -1.74% | 15.11% | 16.09% | 20.31% | -18.29% | 18.27% | 22.45% | 24.40% | -3.98% | 16.52% |
Returns By Period
In the year-to-date period, SWJRX achieves a 3.47% return, which is significantly higher than FBALX's -1.74% return. Over the past 10 years, SWJRX has underperformed FBALX with an annualized return of 5.11%, while FBALX has yielded a comparatively higher 10.73% annualized return.
SWJRX
- 1D
- 0.37%
- 1M
- -3.23%
- YTD
- 3.47%
- 6M
- 5.55%
- 1Y
- 11.45%
- 3Y*
- 8.64%
- 5Y*
- 3.94%
- 10Y*
- 5.11%
FBALX
- 1D
- 2.04%
- 1M
- -3.87%
- YTD
- -1.74%
- 6M
- 0.80%
- 1Y
- 15.76%
- 3Y*
- 13.67%
- 5Y*
- 7.65%
- 10Y*
- 10.73%
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SWJRX vs. FBALX - Expense Ratio Comparison
SWJRX has a 0.00% expense ratio, which is lower than FBALX's 0.51% expense ratio.
Return for Risk
SWJRX vs. FBALX — Risk / Return Rank
SWJRX
FBALX
SWJRX vs. FBALX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Monthly Income Fund - Moderate Payout (SWJRX) and Fidelity Balanced Fund (FBALX). 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.
| SWJRX | FBALX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.60 | 1.37 | +0.23 |
Sortino ratioReturn per unit of downside risk | 2.20 | 1.99 | +0.21 |
Omega ratioGain probability vs. loss probability | 1.32 | 1.30 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.89 | 2.05 | -0.16 |
Martin ratioReturn relative to average drawdown | 8.53 | 9.47 | -0.94 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| SWJRX | FBALX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.60 | 1.37 | +0.23 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.45 | 0.63 | -0.18 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.60 | 0.84 | -0.25 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.58 | 0.79 | -0.20 |
Correlation
The correlation between SWJRX and FBALX is 0.86, 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.
Dividends
SWJRX vs. FBALX - Dividend Comparison
SWJRX's dividend yield for the trailing twelve months is around 4.29%, less than FBALX's 5.79% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWJRX Schwab Monthly Income Fund - Moderate Payout | 4.29% | 4.78% | 4.94% | 4.80% | 8.67% | 3.62% | 2.49% | 5.36% | 3.47% | 2.93% | 6.05% | 6.80% |
FBALX Fidelity Balanced Fund | 5.79% | 5.69% | 5.67% | 2.28% | 8.06% | 9.66% | 5.90% | 4.24% | 10.99% | 7.90% | 3.07% | 7.70% |
Drawdowns
SWJRX vs. FBALX - Drawdown Comparison
The maximum SWJRX drawdown since its inception was -25.61%, smaller than the maximum FBALX drawdown of -43.57%. Use the drawdown chart below to compare losses from any high point for SWJRX and FBALX.
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Drawdown Indicators
| SWJRX | FBALX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -25.61% | -43.57% | +17.96% |
Max Drawdown (1Y)Largest decline over 1 year | -6.23% | -8.14% | +1.91% |
Max Drawdown (5Y)Largest decline over 5 years | -20.87% | -22.89% | +2.02% |
Max Drawdown (10Y)Largest decline over 10 years | -20.87% | -26.68% | +5.81% |
Current DrawdownCurrent decline from peak | -3.74% | -4.56% | +0.82% |
Average DrawdownAverage peak-to-trough decline | -3.91% | -4.39% | +0.48% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.40% | 1.76% | -0.36% |
Volatility
SWJRX vs. FBALX - Volatility Comparison
The current volatility for Schwab Monthly Income Fund - Moderate Payout (SWJRX) is 2.37%, while Fidelity Balanced Fund (FBALX) has a volatility of 4.19%. This indicates that SWJRX experiences smaller price fluctuations and is considered to be less risky than FBALX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWJRX | FBALX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.37% | 4.19% | -1.82% |
Volatility (6M)Calculated over the trailing 6-month period | 4.10% | 6.77% | -2.67% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.31% | 11.94% | -4.63% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.71% | 12.18% | -3.47% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.57% | 12.75% | -4.18% |