SWYAX vs. URINX
Compare and contrast key facts about Schwab Target 2010 Index Fund (SWYAX) and USAA Target Retirement Income Fund (URINX).
SWYAX is managed by Charles Schwab. It was launched on Aug 24, 2016. URINX is managed by Victory. It was launched on Jul 30, 2008.
Performance
SWYAX vs. URINX - Performance Comparison
Loading graphics...
SWYAX vs. URINX - 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% |
URINX USAA Target Retirement Income Fund | -0.45% | 12.36% | 6.66% | 10.79% | -10.38% | 6.47% | 8.74% | 11.72% | -3.00% | 8.34% |
Returns By Period
In the year-to-date period, SWYAX achieves a -1.67% return, which is significantly lower than URINX's -0.45% return.
SWYAX
- 1D
- 0.15%
- 1M
- -3.94%
- YTD
- -1.67%
- 6M
- -0.10%
- 1Y
- 8.08%
- 3Y*
- 7.88%
- 5Y*
- 3.92%
- 10Y*
- —
URINX
- 1D
- 0.09%
- 1M
- -3.83%
- YTD
- -0.45%
- 6M
- 1.45%
- 1Y
- 9.91%
- 3Y*
- 8.56%
- 5Y*
- 4.40%
- 10Y*
- 5.35%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
SWYAX vs. URINX - Expense Ratio Comparison
Both SWYAX and URINX have an expense ratio of 0.04%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Return for Risk
SWYAX vs. URINX — Risk / Return Rank
SWYAX
URINX
SWYAX vs. URINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2010 Index Fund (SWYAX) and USAA Target Retirement Income Fund (URINX). 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 | URINX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.26 | 1.66 | -0.41 |
Sortino ratioReturn per unit of downside risk | 1.79 | 2.35 | -0.56 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.34 | -0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.70 | 2.20 | -0.51 |
Martin ratioReturn relative to average drawdown | 7.38 | 9.70 | -2.32 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| SWYAX | URINX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.26 | 1.66 | -0.41 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.51 | 0.71 | -0.20 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.93 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.72 | 1.10 | -0.38 |
Correlation
The correlation between SWYAX and URINX is 0.92, 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. URINX - Dividend Comparison
SWYAX's dividend yield for the trailing twelve months is around 4.24%, less than URINX's 6.14% yield.
| 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% |
URINX USAA Target Retirement Income Fund | 6.14% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
Drawdowns
SWYAX vs. URINX - Drawdown Comparison
The maximum SWYAX drawdown since its inception was -19.82%, which is greater than URINX's maximum drawdown of -15.27%. Use the drawdown chart below to compare losses from any high point for SWYAX and URINX.
Loading graphics...
Drawdown Indicators
| SWYAX | URINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.82% | -15.27% | -4.55% |
Max Drawdown (1Y)Largest decline over 1 year | -4.71% | -4.41% | -0.30% |
Max Drawdown (5Y)Largest decline over 5 years | -19.82% | -15.27% | -4.55% |
Max Drawdown (10Y)Largest decline over 10 years | — | -15.27% | — |
Current DrawdownCurrent decline from peak | -4.01% | -3.83% | -0.18% |
Average DrawdownAverage peak-to-trough decline | -3.41% | -1.93% | -1.48% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.08% | 1.00% | +0.08% |
Volatility
SWYAX vs. URINX - Volatility Comparison
Schwab Target 2010 Index Fund (SWYAX) and USAA Target Retirement Income Fund (URINX) have volatilities of 2.30% and 2.30%, 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.
Loading graphics...
Volatility by Period
| SWYAX | URINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.30% | 2.30% | 0.00% |
Volatility (6M)Calculated over the trailing 6-month period | 3.68% | 3.69% | -0.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.60% | 5.99% | +0.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.74% | 6.22% | +1.52% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.46% | 5.78% | +1.68% |