SWYEX vs. VBIAX
Compare and contrast key facts about Schwab Target 2030 Index Fund (SWYEX) and Vanguard Balanced Index Fund Admiral Shares (VBIAX).
SWYEX is managed by Charles Schwab. It was launched on Aug 24, 2016. VBIAX is managed by Vanguard. It was launched on Nov 13, 2000.
Performance
SWYEX vs. VBIAX - Performance Comparison
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SWYEX vs. VBIAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYEX Schwab Target 2030 Index Fund | -2.50% | 14.82% | 10.38% | 16.65% | -15.68% | 12.58% | 13.17% | 20.88% | -5.07% | 16.22% |
VBIAX Vanguard Balanced Index Fund Admiral Shares | -4.19% | 13.61% | 14.58% | 17.54% | -16.90% | 14.21% | 16.40% | 21.78% | -2.86% | 13.89% |
Returns By Period
In the year-to-date period, SWYEX achieves a -2.50% return, which is significantly higher than VBIAX's -4.19% return.
SWYEX
- 1D
- 0.06%
- 1M
- -5.61%
- YTD
- -2.50%
- 6M
- -0.40%
- 1Y
- 11.45%
- 3Y*
- 10.92%
- 5Y*
- 5.92%
- 10Y*
- —
VBIAX
- 1D
- -0.06%
- 1M
- -5.43%
- YTD
- -4.19%
- 6M
- -2.40%
- 1Y
- 10.89%
- 3Y*
- 11.56%
- 5Y*
- 6.33%
- 10Y*
- 8.77%
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SWYEX vs. VBIAX - Expense Ratio Comparison
SWYEX has a 0.04% expense ratio, which is lower than VBIAX's 0.07% 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%.
Return for Risk
SWYEX vs. VBIAX — Risk / Return Rank
SWYEX
VBIAX
SWYEX vs. VBIAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2030 Index Fund (SWYEX) and Vanguard Balanced Index Fund Admiral Shares (VBIAX). 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 | VBIAX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.15 | 1.01 | +0.14 |
Sortino ratioReturn per unit of downside risk | 1.68 | 1.51 | +0.17 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.22 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.47 | 1.31 | +0.16 |
Martin ratioReturn relative to average drawdown | 6.88 | 6.22 | +0.66 |
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 | VBIAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.15 | 1.01 | +0.14 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.55 | 0.58 | -0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.79 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.69 | 0.60 | +0.09 |
Correlation
The correlation between SWYEX and VBIAX is 0.96, 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
SWYEX vs. VBIAX - Dividend Comparison
SWYEX's dividend yield for the trailing twelve months is around 2.57%, less than VBIAX's 5.84% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYEX Schwab Target 2030 Index Fund | 2.57% | 2.51% | 2.60% | 2.28% | 2.14% | 1.85% | 1.72% | 1.92% | 2.23% | 1.31% | 1.02% | 0.00% |
VBIAX Vanguard Balanced Index Fund Admiral Shares | 5.84% | 6.00% | 5.27% | 4.35% | 2.83% | 3.19% | 2.65% | 2.28% | 2.32% | 1.95% | 2.09% | 2.09% |
Drawdowns
SWYEX vs. VBIAX - Drawdown Comparison
The maximum SWYEX drawdown since its inception was -23.23%, smaller than the maximum VBIAX drawdown of -35.90%. Use the drawdown chart below to compare losses from any high point for SWYEX and VBIAX.
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Drawdown Indicators
| SWYEX | VBIAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.23% | -35.90% | +12.67% |
Max Drawdown (1Y)Largest decline over 1 year | -7.43% | -7.78% | +0.35% |
Max Drawdown (5Y)Largest decline over 5 years | -22.03% | -21.53% | -0.50% |
Max Drawdown (10Y)Largest decline over 10 years | — | -22.78% | — |
Current DrawdownCurrent decline from peak | -5.87% | -5.83% | -0.04% |
Average DrawdownAverage peak-to-trough decline | -3.72% | -4.47% | +0.75% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.58% | 1.64% | -0.06% |
Volatility
SWYEX vs. VBIAX - Volatility Comparison
Schwab Target 2030 Index Fund (SWYEX) has a higher volatility of 3.23% compared to Vanguard Balanced Index Fund Admiral Shares (VBIAX) at 3.07%. This indicates that SWYEX's price experiences larger fluctuations and is considered to be riskier than VBIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWYEX | VBIAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.23% | 3.07% | +0.16% |
Volatility (6M)Calculated over the trailing 6-month period | 5.55% | 5.93% | -0.38% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.18% | 11.27% | -1.09% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.84% | 11.02% | -0.18% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.56% | 11.17% | +0.39% |