SWYLX vs. LTIUX
Compare and contrast key facts about Schwab Target 2020 Index Fund (SWYLX) and Principal LifeTime 2035 Fund (LTIUX).
SWYLX is managed by Charles Schwab. It was launched on Aug 24, 2016. LTIUX is managed by Principal. It was launched on Feb 28, 2008.
Performance
SWYLX vs. LTIUX - Performance Comparison
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SWYLX vs. LTIUX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYLX Schwab Target 2020 Index Fund | -1.95% | 12.23% | 8.03% | 13.15% | -13.79% | 8.06% | 11.04% | 16.21% | -3.08% | 12.11% |
LTIUX Principal LifeTime 2035 Fund | -3.69% | 14.26% | 14.13% | 16.51% | -17.48% | 14.07% | 15.70% | 23.48% | -7.37% | 19.69% |
Returns By Period
In the year-to-date period, SWYLX achieves a -1.95% return, which is significantly higher than LTIUX's -3.69% return.
SWYLX
- 1D
- 0.15%
- 1M
- -4.49%
- YTD
- -1.95%
- 6M
- -0.26%
- 1Y
- 9.04%
- 3Y*
- 8.68%
- 5Y*
- 4.46%
- 10Y*
- —
LTIUX
- 1D
- -0.08%
- 1M
- -6.37%
- YTD
- -3.69%
- 6M
- -1.87%
- 1Y
- 9.88%
- 3Y*
- 11.62%
- 5Y*
- 5.83%
- 10Y*
- 8.68%
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SWYLX vs. LTIUX - Expense Ratio Comparison
SWYLX has a 0.04% expense ratio, which is higher than LTIUX's 0.01% 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
SWYLX vs. LTIUX — Risk / Return Rank
SWYLX
LTIUX
SWYLX vs. LTIUX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2020 Index Fund (SWYLX) and Principal LifeTime 2035 Fund (LTIUX). 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.
| SWYLX | LTIUX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.21 | 0.90 | +0.31 |
Sortino ratioReturn per unit of downside risk | 1.74 | 1.34 | +0.40 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.19 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.59 | 1.06 | +0.53 |
Martin ratioReturn relative to average drawdown | 7.19 | 5.01 | +2.17 |
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
| SWYLX | LTIUX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.21 | 0.90 | +0.31 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.53 | 0.50 | +0.04 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.70 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.74 | 0.45 | +0.29 |
Correlation
The correlation between SWYLX and LTIUX is 0.93, 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
SWYLX vs. LTIUX - Dividend Comparison
SWYLX's dividend yield for the trailing twelve months is around 5.82%, less than LTIUX's 9.37% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYLX Schwab Target 2020 Index Fund | 5.82% | 5.70% | 4.82% | 2.61% | 2.48% | 2.44% | 1.77% | 2.12% | 2.29% | 1.21% | 0.67% | 0.00% |
LTIUX Principal LifeTime 2035 Fund | 9.37% | 9.03% | 9.46% | 4.17% | 7.50% | 7.06% | 5.35% | 7.28% | 7.75% | 5.46% | 4.28% | 5.59% |
Drawdowns
SWYLX vs. LTIUX - Drawdown Comparison
The maximum SWYLX drawdown since its inception was -20.63%, smaller than the maximum LTIUX drawdown of -49.65%. Use the drawdown chart below to compare losses from any high point for SWYLX and LTIUX.
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Drawdown Indicators
| SWYLX | LTIUX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -20.63% | -49.65% | +29.02% |
Max Drawdown (1Y)Largest decline over 1 year | -5.58% | -8.44% | +2.86% |
Max Drawdown (5Y)Largest decline over 5 years | -20.63% | -24.23% | +3.60% |
Max Drawdown (10Y)Largest decline over 10 years | — | -28.12% | — |
Current DrawdownCurrent decline from peak | -4.56% | -6.57% | +2.01% |
Average DrawdownAverage peak-to-trough decline | -3.53% | -6.76% | +3.23% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.24% | 1.78% | -0.54% |
Volatility
SWYLX vs. LTIUX - Volatility Comparison
The current volatility for Schwab Target 2020 Index Fund (SWYLX) is 2.64%, while Principal LifeTime 2035 Fund (LTIUX) has a volatility of 3.74%. This indicates that SWYLX experiences smaller price fluctuations and is considered to be less risky than LTIUX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWYLX | LTIUX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.64% | 3.74% | -1.10% |
Volatility (6M)Calculated over the trailing 6-month period | 4.29% | 6.37% | -2.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.70% | 11.12% | -3.42% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.39% | 11.79% | -3.40% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.27% | 12.45% | -4.18% |