SWYJX vs. SCHX
Compare and contrast key facts about Schwab Target 2055 Index Fund (SWYJX) and Schwab U.S. Large-Cap ETF (SCHX).
SWYJX is managed by Charles Schwab. It was launched on Aug 24, 2016. SCHX is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Large-Cap Total Stock Market Index. It was launched on Nov 3, 2009.
Performance
SWYJX vs. SCHX - Performance Comparison
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SWYJX vs. SCHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYJX Schwab Target 2055 Index Fund | -1.22% | 19.90% | 14.52% | 21.23% | -17.80% | 18.36% | 14.79% | 25.78% | -7.85% | 21.01% |
SCHX Schwab U.S. Large-Cap ETF | -3.70% | 17.46% | 24.88% | 26.84% | -19.41% | 26.81% | 20.81% | 31.22% | -4.66% | 21.95% |
Returns By Period
In the year-to-date period, SWYJX achieves a -1.22% return, which is significantly higher than SCHX's -3.70% return.
SWYJX
- 1D
- 2.76%
- 1M
- -5.31%
- YTD
- -1.22%
- 6M
- 1.19%
- 1Y
- 18.88%
- 3Y*
- 15.53%
- 5Y*
- 8.48%
- 10Y*
- —
SCHX
- 1D
- 0.78%
- 1M
- -4.31%
- YTD
- -3.70%
- 6M
- -1.70%
- 1Y
- 17.91%
- 3Y*
- 18.55%
- 5Y*
- 11.30%
- 10Y*
- 14.02%
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SWYJX vs. SCHX - Expense Ratio Comparison
SWYJX has a 0.04% expense ratio, which is higher than SCHX'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
SWYJX vs. SCHX — Risk / Return Rank
SWYJX
SCHX
SWYJX vs. SCHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2055 Index Fund (SWYJX) and Schwab U.S. Large-Cap ETF (SCHX). 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.
| SWYJX | SCHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.22 | 0.98 | +0.24 |
Sortino ratioReturn per unit of downside risk | 1.79 | 1.50 | +0.30 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.23 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.73 | 1.51 | +0.22 |
Martin ratioReturn relative to average drawdown | 8.17 | 7.02 | +1.16 |
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
| SWYJX | SCHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.22 | 0.98 | +0.24 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.66 | -0.10 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.78 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.66 | 0.80 | -0.14 |
Correlation
The correlation between SWYJX and SCHX is 0.95, 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
SWYJX vs. SCHX - Dividend Comparison
SWYJX's dividend yield for the trailing twelve months is around 1.97%, more than SCHX's 1.16% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYJX Schwab Target 2055 Index Fund | 1.97% | 1.95% | 1.99% | 1.99% | 1.93% | 1.77% | 1.62% | 1.96% | 2.17% | 1.47% | 1.25% | 0.00% |
SCHX Schwab U.S. Large-Cap ETF | 1.16% | 1.09% | 1.22% | 1.39% | 1.64% | 1.22% | 1.64% | 1.82% | 2.02% | 1.70% | 1.92% | 2.04% |
Drawdowns
SWYJX vs. SCHX - Drawdown Comparison
The maximum SWYJX drawdown since its inception was -31.18%, smaller than the maximum SCHX drawdown of -34.33%. Use the drawdown chart below to compare losses from any high point for SWYJX and SCHX.
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Drawdown Indicators
| SWYJX | SCHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.18% | -34.33% | +3.15% |
Max Drawdown (1Y)Largest decline over 1 year | -11.26% | -12.19% | +0.93% |
Max Drawdown (5Y)Largest decline over 5 years | -25.69% | -25.41% | -0.28% |
Max Drawdown (10Y)Largest decline over 10 years | — | -34.33% | — |
Current DrawdownCurrent decline from peak | -6.32% | -5.67% | -0.65% |
Average DrawdownAverage peak-to-trough decline | -4.69% | -4.00% | -0.69% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.38% | 2.62% | -0.24% |
Volatility
SWYJX vs. SCHX - Volatility Comparison
Schwab Target 2055 Index Fund (SWYJX) has a higher volatility of 5.78% compared to Schwab U.S. Large-Cap ETF (SCHX) at 5.36%. This indicates that SWYJX's price experiences larger fluctuations and is considered to be riskier than SCHX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWYJX | SCHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.78% | 5.36% | +0.42% |
Volatility (6M)Calculated over the trailing 6-month period | 9.09% | 9.67% | -0.58% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.94% | 18.33% | -2.39% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.07% | 17.13% | -2.06% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.12% | 18.13% | -2.01% |