SWORX vs. FCQTX
Compare and contrast key facts about Schwab Target 2055 Fund (SWORX) and American Funds 2065 Target Date Retirement Fund (FCQTX).
SWORX is managed by Charles Schwab. It was launched on Jan 22, 2013. FCQTX is managed by American Funds. It was launched on Mar 26, 2020.
Performance
SWORX vs. FCQTX - Performance Comparison
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SWORX vs. FCQTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
SWORX Schwab Target 2055 Fund | -1.42% | 20.10% | 14.04% | 20.77% | -19.88% | 18.22% | 49.46% |
FCQTX American Funds 2065 Target Date Retirement Fund | -5.95% | 20.74% | 15.64% | 21.56% | -19.63% | 17.34% | 47.06% |
Returns By Period
In the year-to-date period, SWORX achieves a -1.42% return, which is significantly higher than FCQTX's -5.95% return.
SWORX
- 1D
- 2.69%
- 1M
- -6.08%
- YTD
- -1.42%
- 6M
- 1.03%
- 1Y
- 19.09%
- 3Y*
- 15.08%
- 5Y*
- 7.70%
- 10Y*
- 10.17%
FCQTX
- 1D
- -0.42%
- 1M
- -9.36%
- YTD
- -5.95%
- 6M
- -2.92%
- 1Y
- 15.81%
- 3Y*
- 14.49%
- 5Y*
- 7.64%
- 10Y*
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SWORX vs. FCQTX - Expense Ratio Comparison
SWORX has a 0.00% expense ratio, which is lower than FCQTX's 0.01% 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%.
Return for Risk
SWORX vs. FCQTX — Risk / Return Rank
SWORX
FCQTX
SWORX vs. FCQTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2055 Fund (SWORX) and American Funds 2065 Target Date Retirement Fund (FCQTX). 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.
| SWORX | FCQTX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.24 | 1.04 | +0.20 |
Sortino ratioReturn per unit of downside risk | 1.80 | 1.56 | +0.24 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.22 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.75 | 1.35 | +0.40 |
Martin ratioReturn relative to average drawdown | 7.86 | 5.87 | +2.00 |
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
| SWORX | FCQTX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.24 | 1.04 | +0.20 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.47 | 0.53 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.61 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.62 | 0.94 | -0.32 |
Correlation
The correlation between SWORX and FCQTX is 0.96, 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
SWORX vs. FCQTX - Dividend Comparison
SWORX's dividend yield for the trailing twelve months is around 4.49%, less than FCQTX's 4.96% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWORX Schwab Target 2055 Fund | 4.49% | 4.43% | 3.44% | 3.31% | 8.42% | 5.25% | 2.23% | 5.15% | 6.43% | 2.74% | 5.19% | 5.85% |
FCQTX American Funds 2065 Target Date Retirement Fund | 4.96% | 4.67% | 2.80% | 1.99% | 3.96% | 1.54% | 0.72% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Drawdowns
SWORX vs. FCQTX - Drawdown Comparison
The maximum SWORX drawdown since its inception was -32.13%, which is greater than FCQTX's maximum drawdown of -27.34%. Use the drawdown chart below to compare losses from any high point for SWORX and FCQTX.
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Drawdown Indicators
| SWORX | FCQTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.13% | -27.34% | -4.79% |
Max Drawdown (1Y)Largest decline over 1 year | -11.07% | -10.21% | -0.86% |
Max Drawdown (5Y)Largest decline over 5 years | -31.07% | -27.34% | -3.73% |
Max Drawdown (10Y)Largest decline over 10 years | -32.13% | — | — |
Current DrawdownCurrent decline from peak | -6.98% | -9.83% | +2.85% |
Average DrawdownAverage peak-to-trough decline | -5.58% | -6.02% | +0.44% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.46% | 2.34% | +0.12% |
Volatility
SWORX vs. FCQTX - Volatility Comparison
Schwab Target 2055 Fund (SWORX) has a higher volatility of 5.87% compared to American Funds 2065 Target Date Retirement Fund (FCQTX) at 4.62%. This indicates that SWORX's price experiences larger fluctuations and is considered to be riskier than FCQTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWORX | FCQTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.87% | 4.62% | +1.25% |
Volatility (6M)Calculated over the trailing 6-month period | 9.34% | 9.04% | +0.30% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.76% | 15.15% | +0.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.43% | 14.58% | +1.85% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.62% | 15.05% | +1.57% |