SWNRX vs. MSTR
SWNRX (Schwab Target 2050 Fund) is Target Retirement Date fund managed by Charles Schwab, while MSTR (Strategy Inc) is a stock. Over the past 10 years, SWNRX returned 10.61%/yr vs 18.75%/yr for MSTR. Their 0.50 correlation means they have sometimes moved together and sometimes differently.
Performance
SWNRX vs. MSTR - Performance Comparison
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Returns By Period
In the year-to-date period, SWNRX achieves a 9.47% return, which is significantly higher than MSTR's -38.61% return. Over the past 10 years, SWNRX has underperformed MSTR with an annualized return of 10.61%, while MSTR has yielded a comparatively higher 18.75% annualized return.
SWNRX
- 1D
- 1.74%
- 1M
- -0.43%
- 6M
- 6.16%
- YTD
- 9.47%
- 1Y
- 20.78%
- 3Y*
- 15.53%
- 5Y*
- 8.42%
- 10Y*
- 10.61%
- ALL TIME*
- 10.23%
MSTR
- 1D
- -4.56%
- 1M
- -7.43%
- 6M
- -37.69%
- YTD
- -38.61%
- 1Y
- -74.56%
- 3Y*
- 28.96%
- 5Y*
- 8.30%
- 10Y*
- 18.75%
- ALL TIME*
- 9.12%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
MSTR Strategy Inc | $1.53B | $1.65B | $2.43B |
| $0.00 | $0.00 | $0.00 |
SWNRX vs. MSTR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWNRX Schwab Target 2050 Fund | 9.47% | 19.56% | 13.90% | 20.65% | -19.60% | 17.76% | 15.28% | 23.39% | -10.31% | 22.98% |
MSTR Strategy Inc | -38.61% | -47.53% | 358.54% | 346.15% | -74.00% | 40.13% | 172.42% | 11.65% | -2.70% | -33.49% |
Correlation
The correlation between SWNRX and MSTR is 0.49, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.49 |
Correlation (3Y) Balances recent behavior with more history. | 0.44 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.51 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.48 |
Correlation (All Time) Calculated using the full available price history since Jan 23, 2013 | 0.50 |
The correlation between SWNRX and MSTR has been stable across timeframes, ranging from 0.44 to 0.51 - a consistent structural relationship.
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Return for Risk
SWNRX vs. MSTR — Risk / Return Rank
SWNRX
MSTR
SWNRX vs. MSTR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2050 Fund (SWNRX) and Strategy Inc (MSTR). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SWNRX | MSTR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.53 | ||
| Sortino ratioReturn per unit of downside risk | +4.31 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 0.78 | +0.50 |
| Calmar ratioReturn relative to maximum drawdown | 2.07 | -0.97 | +3.04 |
| Martin ratioReturn relative to average drawdown | 8.79 | -1.38 | +10.17 |
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Drawdowns
SWNRX vs. MSTR - Drawdown Comparison
The maximum SWNRX drawdown since its inception was -31.50%, smaller than the maximum MSTR drawdown of -99.86%. Use the drawdown chart below to compare losses from any high point for SWNRX and MSTR.
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Drawdown Indicators
| SWNRX | MSTR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.50% | -99.86% | +68.36% |
Max Drawdown (1Y)Largest decline over 1 year | -9.15% | -79.53% | +70.38% |
Max Drawdown (3Y)Largest decline over 3 years | -15.00% | -82.63% | +67.63% |
Max Drawdown (5Y)Largest decline over 5 years | -31.18% | -84.11% | +52.93% |
Max Drawdown (10Y)Largest decline over 10 years | -31.50% | -89.27% | +57.77% |
Current DrawdownCurrent decline from peak | -1.54% | -80.31% | +78.77% |
Average DrawdownAverage peak-to-trough decline | -5.43% | -86.42% | +80.99% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.16% | 55.64% | -53.48% |
Volatility
SWNRX vs. MSTR - Volatility Comparison
The current volatility for Schwab Target 2050 Fund (SWNRX) is 3.54%, while Strategy Inc (MSTR) has a volatility of 18.58%. This indicates that SWNRX experiences smaller price fluctuations and is considered to be less risky than MSTR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWNRX | MSTR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.54% | 18.58% | -15.04% |
Volatility (6M)Calculated over the trailing 6-month period | 10.39% | 60.57% | -50.18% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.57% | 75.24% | -62.67% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.34% | 89.94% | -73.60% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.26% | 74.33% | -58.07% |
Dividends
SWNRX vs. MSTR - Dividend Comparison
SWNRX's dividend yield for the trailing twelve months is around 4.49%, while MSTR has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MSTR Strategy Inc | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SWNRX Schwab Target 2050 Fund | 4.49% | 4.91% | 3.33% | 3.38% | 8.27% | 5.97% | 2.35% | 4.95% | 6.51% | 2.71% | 5.34% | 5.80% |
Frequently Asked Questions
SWNRX and MSTR have a correlation of 0.49, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
MSTR has higher volatility (18.58%) compared to SWNRX (3.54%). In terms of maximum drawdown, SWNRX dropped -31.50% vs MSTR's -99.86%.
SWNRX currently has the higher Sharpe Ratio (1.51 vs -1.02), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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