SWYEX vs. FXNAX
Compare and contrast key facts about Schwab Target 2030 Index Fund (SWYEX) and Fidelity U.S. Bond Index Fund (FXNAX).
SWYEX is managed by Charles Schwab. It was launched on Aug 24, 2016. FXNAX is managed by Fidelity.
Performance
SWYEX vs. FXNAX - Performance Comparison
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SWYEX vs. FXNAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYEX Schwab Target 2030 Index Fund | -0.85% | 14.82% | 10.38% | 16.65% | -15.68% | 12.58% | 13.17% | 20.88% | -5.07% | 16.22% |
FXNAX Fidelity U.S. Bond Index Fund | -0.26% | 7.14% | 1.35% | 5.82% | -13.55% | -2.10% | 7.63% | 8.50% | 0.04% | 3.50% |
Returns By Period
In the year-to-date period, SWYEX achieves a -0.85% return, which is significantly lower than FXNAX's -0.26% return.
SWYEX
- 1D
- 1.69%
- 1M
- -3.70%
- YTD
- -0.85%
- 6M
- 0.88%
- 1Y
- 12.98%
- 3Y*
- 11.54%
- 5Y*
- 6.08%
- 10Y*
- —
FXNAX
- 1D
- 0.19%
- 1M
- -1.60%
- YTD
- -0.26%
- 6M
- 0.47%
- 1Y
- 3.69%
- 3Y*
- 3.52%
- 5Y*
- 0.10%
- 10Y*
- 1.54%
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SWYEX vs. FXNAX - Expense Ratio Comparison
SWYEX has a 0.04% expense ratio, which is higher than FXNAX'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
SWYEX vs. FXNAX — Risk / Return Rank
SWYEX
FXNAX
SWYEX vs. FXNAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2030 Index Fund (SWYEX) and Fidelity U.S. Bond Index Fund (FXNAX). 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.
| SWYEX | FXNAX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.30 | 0.93 | +0.38 |
Sortino ratioReturn per unit of downside risk | 1.89 | 1.33 | +0.56 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.16 | +0.12 |
Calmar ratioReturn relative to maximum drawdown | 1.83 | 1.66 | +0.16 |
Martin ratioReturn relative to average drawdown | 8.44 | 4.68 | +3.76 |
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
| SWYEX | FXNAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.30 | 0.93 | +0.38 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.02 | +0.55 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.31 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.71 | 0.45 | +0.26 |
Correlation
The correlation between SWYEX and FXNAX is 0.14, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
SWYEX vs. FXNAX - Dividend Comparison
SWYEX's dividend yield for the trailing twelve months is around 2.53%, less than FXNAX's 3.34% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYEX Schwab Target 2030 Index Fund | 2.53% | 2.51% | 2.60% | 2.28% | 2.14% | 1.85% | 1.72% | 1.92% | 2.23% | 1.31% | 1.02% | 0.00% |
FXNAX Fidelity U.S. Bond Index Fund | 3.34% | 3.58% | 3.40% | 3.15% | 1.81% | 1.74% | 2.92% | 2.68% | 2.74% | 2.57% | 2.76% | 2.52% |
Drawdowns
SWYEX vs. FXNAX - Drawdown Comparison
The maximum SWYEX drawdown since its inception was -23.23%, which is greater than FXNAX's maximum drawdown of -19.51%. Use the drawdown chart below to compare losses from any high point for SWYEX and FXNAX.
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Drawdown Indicators
| SWYEX | FXNAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.23% | -19.51% | -3.72% |
Max Drawdown (1Y)Largest decline over 1 year | -7.43% | -2.71% | -4.72% |
Max Drawdown (5Y)Largest decline over 5 years | -22.03% | -18.54% | -3.49% |
Max Drawdown (10Y)Largest decline over 10 years | — | -19.51% | — |
Current DrawdownCurrent decline from peak | -4.28% | -3.53% | -0.75% |
Average DrawdownAverage peak-to-trough decline | -3.73% | -3.87% | +0.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.61% | 0.96% | +0.65% |
Volatility
SWYEX vs. FXNAX - Volatility Comparison
Schwab Target 2030 Index Fund (SWYEX) has a higher volatility of 3.77% compared to Fidelity U.S. Bond Index Fund (FXNAX) at 1.55%. This indicates that SWYEX's price experiences larger fluctuations and is considered to be riskier than FXNAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWYEX | FXNAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.77% | 1.55% | +2.22% |
Volatility (6M)Calculated over the trailing 6-month period | 5.79% | 2.58% | +3.21% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.29% | 4.35% | +5.94% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.86% | 6.04% | +4.82% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.57% | 4.99% | +6.58% |