SWYJX vs. VFFVX
SWYJX (Schwab Target 2055 Index Fund) and VFFVX (Vanguard Target Retirement 2055 Fund) are both Target Retirement Date funds. Over the past 5 years, SWYJX returned 9.66%/yr vs 9.56%/yr for VFFVX. Their 0.98 correlation means they have historically moved very closely together. Both charge a 0.08% expense ratio.
Performance
SWYJX vs. VFFVX - Performance Comparison
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Returns By Period
In the year-to-date period, SWYJX achieves a 11.07% return, which is significantly higher than VFFVX's 10.01% return.
SWYJX
- 1D
- 1.77%
- 1M
- -0.40%
- 6M
- 8.06%
- YTD
- 11.07%
- 1Y
- 22.36%
- 3Y*
- 16.68%
- 5Y*
- 9.66%
- 10Y*
- —
- ALL TIME*
- 11.55%
VFFVX
- 1D
- 1.89%
- 1M
- -0.46%
- 6M
- 6.79%
- YTD
- 10.01%
- 1Y
- 21.67%
- 3Y*
- 16.62%
- 5Y*
- 9.56%
- 10Y*
- 11.42%
- ALL TIME*
- 11.00%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
SWYJX vs. VFFVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYJX Schwab Target 2055 Index Fund | 11.07% | 19.90% | 14.52% | 21.23% | -17.80% | 18.36% | 14.79% | 25.78% | -7.85% | 21.01% |
VFFVX Vanguard Target Retirement 2055 Fund | 10.01% | 21.44% | 14.50% | 20.39% | -17.48% | 16.44% | 16.33% | 24.98% | -7.88% | 21.39% |
Correlation
The correlation between SWYJX and VFFVX is 0.99 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.99 |
Correlation (3Y) Balances recent behavior with more history. | 0.98 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.98 |
Correlation (All Time) Calculated using the full available price history since Aug 30, 2016 | 0.98 |
The correlation between SWYJX and VFFVX has been stable across timeframes, ranging from 0.98 to 0.99 - a consistent structural relationship.
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Return for Risk
SWYJX vs. VFFVX — Risk / Return Rank
SWYJX
VFFVX
SWYJX vs. VFFVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2055 Index Fund (SWYJX) and Vanguard Target Retirement 2055 Fund (VFFVX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SWYJX | VFFVX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.03 | ||
| Sortino ratioReturn per unit of downside risk | +0.06 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.29 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.32 | 2.23 | +0.08 |
| Martin ratioReturn relative to average drawdown | 9.97 | 9.30 | +0.67 |
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Drawdowns
SWYJX vs. VFFVX - Drawdown Comparison
The maximum SWYJX drawdown since its inception was -31.18%, roughly equal to the maximum VFFVX drawdown of -31.40%. Use the drawdown chart below to compare losses from any high point for SWYJX and VFFVX.
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Drawdown Indicators
| SWYJX | VFFVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.18% | -31.40% | +0.22% |
Max Drawdown (1Y)Largest decline over 1 year | -8.83% | -8.93% | +0.10% |
Max Drawdown (3Y)Largest decline over 3 years | -15.46% | -14.52% | -0.94% |
Max Drawdown (5Y)Largest decline over 5 years | -25.69% | -25.39% | -0.30% |
Max Drawdown (10Y)Largest decline over 10 years | — | -31.40% | — |
Current DrawdownCurrent decline from peak | -1.36% | -1.93% | +0.57% |
Average DrawdownAverage peak-to-trough decline | -4.57% | -4.12% | -0.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.05% | 2.14% | -0.09% |
Volatility
SWYJX vs. VFFVX - Volatility Comparison
The current volatility for Schwab Target 2055 Index Fund (SWYJX) is 3.49%, while Vanguard Target Retirement 2055 Fund (VFFVX) has a volatility of 3.74%. This indicates that SWYJX experiences smaller price fluctuations and is considered to be less risky than VFFVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWYJX | VFFVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.49% | 3.74% | -0.25% |
Volatility (6M)Calculated over the trailing 6-month period | 10.52% | 10.50% | +0.02% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.66% | 12.60% | +0.06% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.27% | 14.36% | +0.91% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.05% | 15.08% | +0.97% |
SWYJX vs. VFFVX - Expense Ratio Comparison
Both SWYJX and VFFVX have an expense ratio of 0.08%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
SWYJX vs. VFFVX - Dividend Comparison
SWYJX's dividend yield for the trailing twelve months is around 1.75%, less than VFFVX's 1.89% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYJX Schwab Target 2055 Index Fund | 1.75% | 1.95% | 1.99% | 1.99% | 1.93% | 1.77% | 1.62% | 1.96% | 2.17% | 1.47% | 1.25% | 0.00% |
VFFVX Vanguard Target Retirement 2055 Fund | 1.89% | 2.08% | 2.31% | 2.18% | 2.19% | 10.03% | 1.82% | 2.15% | 2.35% | 1.83% | 1.99% | 1.98% |
Frequently Asked Questions
With a correlation of 0.99, SWYJX and VFFVX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
VFFVX has higher volatility (3.74%) compared to SWYJX (3.49%). In terms of maximum drawdown, SWYJX dropped -31.18% vs VFFVX's -31.40%.
SWYJX currently has the higher Sharpe Ratio (1.62 vs 1.58), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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