SWMRX vs. VTIVX

In the year-to-date period, SWMRX achieves a 4.52% return, which is significantly lower than VTIVX's 5.09% return. Over the past 10 years, SWMRX has underperformed VTIVX with an annualized return of 5.01%, while VTIVX has yielded a comparatively higher 8.42% annualized return.

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SWMRX has a 0.00% expense ratio, which is lower than VTIVX's 0.08% 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%.

This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2045 Fund (SWMRX) and Vanguard Target Retirement 2045 Fund (VTIVX). 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 SWMRX Sharpe Ratio is 0.67, which is comparable to the VTIVX Sharpe Ratio of 0.89. The chart below compares the historical Sharpe Ratios of SWMRX and VTIVX, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

SWMRX's dividend yield for the trailing twelve months is around 3.01%, more than VTIVX's 2.25% yield.

The maximum SWMRX drawdown since its inception was -32.28%, smaller than the maximum VTIVX drawdown of -51.69%. Use the drawdown chart below to compare losses from any high point for SWMRX and VTIVX.

Schwab Target 2045 Fund (SWMRX) and Vanguard Target Retirement 2045 Fund (VTIVX) have volatilities of 3.20% and 3.10%, 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.