SWYJX vs. VFFVX
Compare and contrast key facts about Schwab Target 2055 Index Fund (SWYJX) and Vanguard Target Retirement 2055 Fund (VFFVX).
SWYJX is managed by Charles Schwab. It was launched on Aug 24, 2016. VFFVX is managed by Vanguard. It was launched on Aug 18, 2010.
Performance
SWYJX vs. VFFVX - Performance Comparison
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SWYJX vs. VFFVX - 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% |
VFFVX Vanguard Target Retirement 2055 Fund | -1.45% | 21.44% | 14.50% | 20.39% | -17.48% | 16.44% | 16.33% | 24.98% | -7.88% | 21.39% |
Returns By Period
In the year-to-date period, SWYJX achieves a -1.22% return, which is significantly higher than VFFVX's -1.45% return.
SWYJX
- 1D
- 2.76%
- 1M
- -5.31%
- YTD
- -1.22%
- 6M
- 1.19%
- 1Y
- 18.88%
- 3Y*
- 15.53%
- 5Y*
- 8.48%
- 10Y*
- —
VFFVX
- 1D
- 2.63%
- 1M
- -5.56%
- YTD
- -1.45%
- 6M
- 1.16%
- 1Y
- 19.94%
- 3Y*
- 15.66%
- 5Y*
- 8.43%
- 10Y*
- 10.78%
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SWYJX vs. VFFVX - Expense Ratio Comparison
SWYJX has a 0.04% expense ratio, which is lower than VFFVX's 0.08% 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
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.
| SWYJX | VFFVX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.22 | 1.36 | -0.14 |
Sortino ratioReturn per unit of downside risk | 1.79 | 1.96 | -0.17 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.29 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.73 | 1.93 | -0.20 |
Martin ratioReturn relative to average drawdown | 8.17 | 8.76 | -0.58 |
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 | VFFVX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.22 | 1.36 | -0.14 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.60 | -0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.72 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.66 | 0.71 | -0.05 |
Correlation
The correlation between SWYJX and VFFVX 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
SWYJX vs. VFFVX - Dividend Comparison
SWYJX's dividend yield for the trailing twelve months is around 1.97%, less than VFFVX's 2.11% 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% |
VFFVX Vanguard Target Retirement 2055 Fund | 2.11% | 2.08% | 2.31% | 2.18% | 2.19% | 10.03% | 1.82% | 2.15% | 2.35% | 1.83% | 1.99% | 1.98% |
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 | -11.26% | -10.52% | -0.74% |
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 | -6.32% | -6.54% | +0.22% |
Average DrawdownAverage peak-to-trough decline | -4.69% | -4.18% | -0.51% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.38% | 2.32% | +0.06% |
Volatility
SWYJX vs. VFFVX - Volatility Comparison
Schwab Target 2055 Index Fund (SWYJX) and Vanguard Target Retirement 2055 Fund (VFFVX) have volatilities of 5.78% and 5.60%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. 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 | 5.78% | 5.60% | +0.18% |
Volatility (6M)Calculated over the trailing 6-month period | 9.09% | 8.97% | +0.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.94% | 15.01% | +0.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.07% | 14.12% | +0.95% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.12% | 15.06% | +1.06% |