SWYDX vs. VOO
Compare and contrast key facts about Schwab Target 2025 Index Fund (SWYDX) and Vanguard S&P 500 ETF (VOO).
SWYDX is managed by Charles Schwab. It was launched on Aug 24, 2016. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
SWYDX vs. VOO - Performance Comparison
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SWYDX vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYDX Schwab Target 2025 Index Fund | -2.02% | 12.60% | 8.62% | 14.47% | -14.78% | 10.24% | 12.37% | 18.89% | -6.38% | 14.53% |
VOO Vanguard S&P 500 ETF | -4.42% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, SWYDX achieves a -2.02% return, which is significantly higher than VOO's -4.42% return.
SWYDX
- 1D
- 0.13%
- 1M
- -4.69%
- YTD
- -2.02%
- 6M
- -0.30%
- 1Y
- 9.34%
- 3Y*
- 9.24%
- 5Y*
- 4.85%
- 10Y*
- —
VOO
- 1D
- 2.86%
- 1M
- -5.01%
- YTD
- -4.42%
- 6M
- -1.84%
- 1Y
- 17.67%
- 3Y*
- 18.27%
- 5Y*
- 11.75%
- 10Y*
- 14.05%
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SWYDX vs. VOO - Expense Ratio Comparison
SWYDX has a 0.04% expense ratio, which is higher than VOO's 0.03% expense ratio. However, 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
SWYDX vs. VOO — Risk / Return Rank
SWYDX
VOO
SWYDX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2025 Index Fund (SWYDX) and Vanguard S&P 500 ETF (VOO). 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.
| SWYDX | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 0.98 | +0.21 |
Sortino ratioReturn per unit of downside risk | 1.72 | 1.50 | +0.23 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.23 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.56 | 1.53 | +0.03 |
Martin ratioReturn relative to average drawdown | 7.07 | 7.29 | -0.23 |
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
| SWYDX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.19 | 0.98 | +0.21 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.53 | 0.70 | -0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.78 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.68 | 0.83 | -0.15 |
Correlation
The correlation between SWYDX and VOO 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
SWYDX vs. VOO - Dividend Comparison
SWYDX's dividend yield for the trailing twelve months is around 5.48%, more than VOO's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYDX Schwab Target 2025 Index Fund | 5.48% | 5.37% | 3.41% | 2.58% | 2.32% | 1.92% | 1.79% | 1.91% | 0.00% | 1.33% | 0.79% | 0.00% |
VOO Vanguard S&P 500 ETF | 1.19% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
SWYDX vs. VOO - Drawdown Comparison
The maximum SWYDX drawdown since its inception was -20.49%, smaller than the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for SWYDX and VOO.
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Drawdown Indicators
| SWYDX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -20.49% | -33.99% | +13.50% |
Max Drawdown (1Y)Largest decline over 1 year | -5.83% | -11.98% | +6.15% |
Max Drawdown (5Y)Largest decline over 5 years | -20.43% | -24.52% | +4.09% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.99% | — |
Current DrawdownCurrent decline from peak | -4.81% | -6.29% | +1.48% |
Average DrawdownAverage peak-to-trough decline | -3.48% | -3.72% | +0.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 2.52% | -1.23% |
Volatility
SWYDX vs. VOO - Volatility Comparison
The current volatility for Schwab Target 2025 Index Fund (SWYDX) is 2.69%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.29%. This indicates that SWYDX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWYDX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.69% | 5.29% | -2.60% |
Volatility (6M)Calculated over the trailing 6-month period | 4.43% | 9.44% | -5.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.02% | 18.10% | -10.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.16% | 16.82% | -7.66% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.85% | 17.99% | -8.14% |