SWYAX vs. TRRFX
Compare and contrast key facts about Schwab Target 2010 Index Fund (SWYAX) and T. Rowe Price Retirement 2005 Fund (TRRFX).
SWYAX is managed by Charles Schwab. It was launched on Aug 24, 2016. TRRFX is managed by T. Rowe Price. It was launched on Feb 26, 2004.
Performance
SWYAX vs. TRRFX - Performance Comparison
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SWYAX vs. TRRFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYAX Schwab Target 2010 Index Fund | -1.67% | 11.17% | 7.18% | 11.95% | -13.28% | 6.99% | 10.61% | 14.55% | -2.27% | 9.48% |
TRRFX T. Rowe Price Retirement 2005 Fund | -1.58% | 5.43% | 8.04% | 11.97% | -13.61% | 8.13% | 11.24% | 15.09% | -3.29% | 10.67% |
Returns By Period
In the year-to-date period, SWYAX achieves a -1.67% return, which is significantly lower than TRRFX's -1.58% return.
SWYAX
- 1D
- 0.15%
- 1M
- -3.94%
- YTD
- -1.67%
- 6M
- -0.10%
- 1Y
- 8.08%
- 3Y*
- 7.88%
- 5Y*
- 3.92%
- 10Y*
- —
TRRFX
- 1D
- 0.08%
- 1M
- -4.61%
- YTD
- -1.58%
- 6M
- -5.34%
- 1Y
- 2.31%
- 3Y*
- 6.40%
- 5Y*
- 2.84%
- 10Y*
- 5.09%
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SWYAX vs. TRRFX - Expense Ratio Comparison
SWYAX has a 0.04% expense ratio, which is lower than TRRFX's 0.49% expense ratio.
Return for Risk
SWYAX vs. TRRFX — Risk / Return Rank
SWYAX
TRRFX
SWYAX vs. TRRFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2010 Index Fund (SWYAX) and T. Rowe Price Retirement 2005 Fund (TRRFX). 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.
| SWYAX | TRRFX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.26 | 0.29 | +0.97 |
Sortino ratioReturn per unit of downside risk | 1.79 | 0.41 | +1.39 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.07 | +0.19 |
Calmar ratioReturn relative to maximum drawdown | 1.70 | 0.25 | +1.45 |
Martin ratioReturn relative to average drawdown | 7.38 | 0.73 | +6.65 |
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
| SWYAX | TRRFX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.26 | 0.29 | +0.97 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.51 | 0.37 | +0.14 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.70 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.72 | 0.61 | +0.11 |
Correlation
The correlation between SWYAX and TRRFX is 0.91, 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
SWYAX vs. TRRFX - Dividend Comparison
SWYAX's dividend yield for the trailing twelve months is around 4.24%, while TRRFX has not paid dividends to shareholders.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYAX Schwab Target 2010 Index Fund | 4.24% | 4.17% | 3.79% | 2.85% | 2.69% | 2.54% | 1.98% | 2.27% | 2.01% | 1.18% | 0.75% | 0.00% |
TRRFX T. Rowe Price Retirement 2005 Fund | 0.00% | 0.00% | 3.87% | 4.24% | 10.43% | 10.54% | 8.55% | 3.65% | 6.97% | 4.25% | 1.28% | 1.69% |
Drawdowns
SWYAX vs. TRRFX - Drawdown Comparison
The maximum SWYAX drawdown since its inception was -19.82%, smaller than the maximum TRRFX drawdown of -33.29%. Use the drawdown chart below to compare losses from any high point for SWYAX and TRRFX.
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Drawdown Indicators
| SWYAX | TRRFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.82% | -33.29% | +13.47% |
Max Drawdown (1Y)Largest decline over 1 year | -4.71% | -6.90% | +2.19% |
Max Drawdown (5Y)Largest decline over 5 years | -19.82% | -18.82% | -1.00% |
Max Drawdown (10Y)Largest decline over 10 years | — | -18.82% | — |
Current DrawdownCurrent decline from peak | -4.01% | -6.83% | +2.82% |
Average DrawdownAverage peak-to-trough decline | -3.41% | -3.51% | +0.10% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.08% | 2.34% | -1.26% |
Volatility
SWYAX vs. TRRFX - Volatility Comparison
Schwab Target 2010 Index Fund (SWYAX) and T. Rowe Price Retirement 2005 Fund (TRRFX) have volatilities of 2.30% and 2.32%, 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.
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Volatility by Period
| SWYAX | TRRFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.30% | 2.32% | -0.02% |
Volatility (6M)Calculated over the trailing 6-month period | 3.68% | 6.33% | -2.65% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.60% | 8.53% | -1.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.74% | 7.76% | -0.02% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.46% | 7.33% | +0.13% |