SWTSX vs. VTIUX

Last updated Jun 24, 2026

SWTSX (Schwab Total Stock Market Index Fund) and VTIUX (Voya Target Retirement 2065 Fund) are both mutual funds - SWTSX is a Large Cap Blend Equities fund tracking the Dow Jones U.S. Total Stock Market Index, while VTIUX is a Target Retirement Date fund managed by Voya. Over the past 5 years, SWTSX returned 12.36%/yr vs 8.37%/yr for VTIUX. Their correlation of 0.95 suggests significant overlap in exposure. SWTSX charges 0.03%/yr vs 0.23%/yr for VTIUX.

Performance

SWTSX vs. VTIUX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab Total Stock Market Index Fund (SWTSX) and Voya Target Retirement 2065 Fund (VTIUX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, SWTSX achieves a 10.37% return, which is significantly lower than VTIUX's 12.94% return.

SWTSX

• 1D: -0.33%
• 1M: 0.56%
• YTD: 10.37%
• 6M: 9.24%
• 1Y: 25.87%
• 3Y*: 21.18%
• 5Y*: 12.36%
• 10Y*: 15.24%

VTIUX

• 1D: 0.00%
• 1M: 1.79%
• YTD: 12.94%
• 6M: 12.29%
• 1Y: 28.57%
• 3Y*: 20.07%
• 5Y*: 8.37%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

SWTSX vs. VTIUX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
SWTSX Schwab Total Stock Market Index Fund	10.37%	17.04%	23.84%	26.05%	-19.54%	25.65%	20.36%
VTIUX Voya Target Retirement 2065 Fund	12.94%	21.00%	15.64%	20.89%	-18.91%	7.64%	17.84%

Correlation

The correlation between SWTSX and VTIUX is 0.88, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.88
Correlation (3Y) Calculated over the trailing 3-year period	0.93
Correlation (5Y) Calculated over the trailing 5-year period	0.94
Correlation (All Time) Calculated using the full available price history since Jul 29, 2020	0.95

The correlation between SWTSX and VTIUX has been stable across timeframes, ranging from 0.88 to 0.95 - a consistent structural relationship.

Return for Risk

SWTSX vs. VTIUX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SWTSX

SWTSX Risk / Return Rank: 64
SWTSX Sharpe Ratio Rank: 61
SWTSX Sortino Ratio Rank: 55
SWTSX Omega Ratio Rank: 56
SWTSX Calmar Ratio Rank: 70
SWTSX Martin Ratio Rank: 78

VTIUX

VTIUX Risk / Return Rank: 81
VTIUX Sharpe Ratio Rank: 82
VTIUX Sortino Ratio Rank: 80
VTIUX Omega Ratio Rank: 77
VTIUX Calmar Ratio Rank: 79
VTIUX Martin Ratio Rank: 89

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SWTSX vs. VTIUX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab Total Stock Market Index Fund (SWTSX) and Voya Target Retirement 2065 Fund (VTIUX). 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.

	SWTSX	VTIUX	Difference
Sharpe ratio: Return per unit of total volatility	2.11	2.48	-0.37
Sortino ratio: Return per unit of downside risk	2.86	3.48	-0.63
Omega ratio: Gain probability vs. loss probability	1.38	1.46	-0.08
Calmar ratio: Return relative to maximum drawdown	3.06	3.42	-0.36
Martin ratio: Return relative to average drawdown	13.62	16.00	-2.38

SWTSX vs. VTIUX - Sharpe Ratio Comparison

The current SWTSX Sharpe Ratio is 2.11, which is comparable to the VTIUX Sharpe Ratio of 2.48. The chart below compares the historical Sharpe Ratios of SWTSX and VTIUX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

SWTSX vs. VTIUX - Drawdown Comparison

The maximum SWTSX drawdown since its inception was -54.60%, which is greater than VTIUX's maximum drawdown of -33.42%. Use the drawdown chart below to compare losses from any high point for SWTSX and VTIUX.

Drawdown Indicators

	SWTSX	VTIUX	Difference
Max Drawdown Largest peak-to-trough decline	-54.60%	-33.42%	-21.18%
Max Drawdown (1Y) Largest decline over 1 year	-8.88%	-9.54%	+0.66%
Max Drawdown (3Y) Largest decline over 3 years	-19.43%	-16.10%	-3.33%
Max Drawdown (5Y) Largest decline over 5 years	-25.40%	-33.42%	+8.02%
Max Drawdown (10Y) Largest decline over 10 years	-35.01%	—	—
Current Drawdown Current decline from peak	-1.47%	-0.56%	-0.91%
Average Drawdown Average peak-to-trough decline	-10.55%	-8.99%	-1.56%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.99%	1.97%	+0.02%

Volatility

SWTSX vs. VTIUX - Volatility Comparison

Schwab Total Stock Market Index Fund (SWTSX) and Voya Target Retirement 2065 Fund (VTIUX) have volatilities of 4.76% and 4.99%, 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.

Volatility by Period

	SWTSX	VTIUX	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.76%	4.99%	-0.23%
Volatility (6M) Calculated over the trailing 6-month period	10.06%	10.78%	-0.72%
Volatility (1Y) Calculated over the trailing 1-year period	12.89%	13.18%	-0.29%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	17.53%	16.30%	+1.23%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	18.65%	16.02%	+2.63%

SWTSX vs. VTIUX - Expense Ratio Comparison

SWTSX has a 0.03% expense ratio, which is lower than VTIUX's 0.23% 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%.

Dividends

SWTSX vs. VTIUX - Dividend Comparison

SWTSX's dividend yield for the trailing twelve months is around 1.00%, less than VTIUX's 13.06% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
SWTSX Schwab Total Stock Market Index Fund	1.00%	1.10%	1.24%	1.41%	1.62%	1.46%	1.63%	1.92%	2.58%	1.83%	2.32%	2.79%
VTIUX Voya Target Retirement 2065 Fund	13.06%	14.75%	3.18%	1.82%	5.43%	8.07%	1.41%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions

Can I hold both SWTSX and VTIUX in my portfolio?

SWTSX and VTIUX have a correlation of 0.88, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, SWTSX or VTIUX?

VTIUX has higher volatility (4.99%) compared to SWTSX (4.76%). In terms of maximum drawdown, SWTSX dropped -54.60% vs VTIUX's -33.42%.

Which has better risk-adjusted returns?

VTIUX currently has the higher Sharpe Ratio (2.48 vs 2.11), 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.