SWYFX vs. SWYDX
Compare and contrast key facts about Schwab Target 2035 Index Fund (SWYFX) and Schwab Target 2025 Index Fund (SWYDX).
SWYFX is managed by Charles Schwab. It was launched on Aug 24, 2016. SWYDX is managed by Charles Schwab. It was launched on Aug 24, 2016.
Performance
SWYFX vs. SWYDX - Performance Comparison
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SWYFX vs. SWYDX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYFX Schwab Target 2035 Index Fund | -3.00% | 16.40% | 11.71% | 18.20% | -16.36% | 14.26% | 13.85% | 22.37% | -7.99% | 17.84% |
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% |
Returns By Period
In the year-to-date period, SWYFX achieves a -3.00% return, which is significantly lower than SWYDX's -2.02% return.
SWYFX
- 1D
- -0.05%
- 1M
- -6.49%
- YTD
- -3.00%
- 6M
- -0.70%
- 1Y
- 12.85%
- 3Y*
- 12.05%
- 5Y*
- 6.63%
- 10Y*
- —
SWYDX
- 1D
- 0.13%
- 1M
- -4.69%
- YTD
- -2.02%
- 6M
- -0.30%
- 1Y
- 9.34%
- 3Y*
- 9.24%
- 5Y*
- 4.85%
- 10Y*
- —
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SWYFX vs. SWYDX - Expense Ratio Comparison
Both SWYFX and SWYDX 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
SWYFX vs. SWYDX — Risk / Return Rank
SWYFX
SWYDX
SWYFX vs. SWYDX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2035 Index Fund (SWYFX) and Schwab Target 2025 Index Fund (SWYDX). 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.
| SWYFX | SWYDX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.10 | 1.19 | -0.09 |
Sortino ratioReturn per unit of downside risk | 1.61 | 1.72 | -0.12 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.25 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.38 | 1.56 | -0.18 |
Martin ratioReturn relative to average drawdown | 6.57 | 7.07 | -0.50 |
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
| SWYFX | SWYDX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.10 | 1.19 | -0.09 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.53 | +0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.66 | 0.68 | -0.02 |
Correlation
The correlation between SWYFX and SWYDX is 0.98, 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
SWYFX vs. SWYDX - Dividend Comparison
SWYFX's dividend yield for the trailing twelve months is around 2.35%, less than SWYDX's 5.48% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
SWYFX Schwab Target 2035 Index Fund | 2.35% | 2.28% | 2.37% | 2.14% | 2.02% | 1.80% | 1.73% | 2.00% | 0.00% | 1.44% | 0.99% |
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% |
Drawdowns
SWYFX vs. SWYDX - Drawdown Comparison
The maximum SWYFX drawdown since its inception was -25.51%, which is greater than SWYDX's maximum drawdown of -20.49%. Use the drawdown chart below to compare losses from any high point for SWYFX and SWYDX.
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Drawdown Indicators
| SWYFX | SWYDX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -25.51% | -20.49% | -5.02% |
Max Drawdown (1Y)Largest decline over 1 year | -8.67% | -5.83% | -2.84% |
Max Drawdown (5Y)Largest decline over 5 years | -23.19% | -20.43% | -2.76% |
Current DrawdownCurrent decline from peak | -6.82% | -4.81% | -2.01% |
Average DrawdownAverage peak-to-trough decline | -4.07% | -3.48% | -0.59% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.82% | 1.29% | +0.53% |
Volatility
SWYFX vs. SWYDX - Volatility Comparison
Schwab Target 2035 Index Fund (SWYFX) has a higher volatility of 3.70% compared to Schwab Target 2025 Index Fund (SWYDX) at 2.69%. This indicates that SWYFX's price experiences larger fluctuations and is considered to be riskier than SWYDX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWYFX | SWYDX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.70% | 2.69% | +1.01% |
Volatility (6M)Calculated over the trailing 6-month period | 6.51% | 4.43% | +2.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.91% | 8.02% | +3.89% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.00% | 9.16% | +2.84% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.87% | 9.85% | +3.02% |