SWYMX vs. URTRX
SWYMX (Schwab Target 2050 Index Fund) and URTRX (USAA Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 5 years, SWYMX returned 9.40%/yr vs 6.43%/yr for URTRX. Their 0.96 correlation means they have historically moved very closely together. SWYMX charges 0.08%/yr vs 0.03%/yr for URTRX.
Performance
SWYMX vs. URTRX - Performance Comparison
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Returns By Period
In the year-to-date period, SWYMX achieves a 10.70% return, which is significantly higher than URTRX's 8.39% return.
SWYMX
- 1D
- 1.69%
- 1M
- -0.41%
- 6M
- 7.73%
- YTD
- 10.70%
- 1Y
- 21.61%
- 3Y*
- 16.31%
- 5Y*
- 9.40%
- 10Y*
- —
- ALL TIME*
- 11.30%
URTRX
- 1D
- 0.84%
- 1M
- 0.35%
- 6M
- 6.07%
- YTD
- 8.39%
- 1Y
- 15.94%
- 3Y*
- 11.77%
- 5Y*
- 6.43%
- 10Y*
- 7.71%
- ALL TIME*
- 7.07%
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 |
SWYMX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYMX Schwab Target 2050 Index Fund | 10.70% | 19.42% | 14.24% | 20.92% | -17.65% | 17.80% | 14.66% | 25.34% | -7.58% | 20.48% |
URTRX USAA Target Retirement 2030 Fund | 8.39% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
Correlation
The correlation between SWYMX and URTRX is 0.98 - 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. | 0.98 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Aug 30, 2016 | 0.96 |
The correlation between SWYMX and URTRX has been stable across timeframes, ranging from 0.95 to 0.98 - a consistent structural relationship.
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Return for Risk
SWYMX vs. URTRX — Risk / Return Rank
SWYMX
URTRX
SWYMX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2050 Index Fund (SWYMX) and USAA Target Retirement 2030 Fund (URTRX). 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.
| SWYMX | URTRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.34 | ||
| Sortino ratioReturn per unit of downside risk | -0.53 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.37 | -0.07 |
| Calmar ratioReturn relative to maximum drawdown | 2.32 | 2.90 | -0.58 |
| Martin ratioReturn relative to average drawdown | 9.96 | 12.19 | -2.23 |
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Drawdowns
SWYMX vs. URTRX - Drawdown Comparison
The maximum SWYMX drawdown since its inception was -30.48%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for SWYMX and URTRX.
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Drawdown Indicators
| SWYMX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -30.48% | -34.10% | +3.62% |
Max Drawdown (1Y)Largest decline over 1 year | -8.55% | -5.29% | -3.26% |
Max Drawdown (3Y)Largest decline over 3 years | -14.95% | -9.12% | -5.83% |
Max Drawdown (5Y)Largest decline over 5 years | -25.37% | -19.52% | -5.85% |
Max Drawdown (10Y)Largest decline over 10 years | — | -23.56% | — |
Current DrawdownCurrent decline from peak | -1.31% | -0.28% | -1.03% |
Average DrawdownAverage peak-to-trough decline | -4.45% | -4.12% | -0.33% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.99% | 1.25% | +0.74% |
Volatility
SWYMX vs. URTRX - Volatility Comparison
Schwab Target 2050 Index Fund (SWYMX) has a higher volatility of 3.33% compared to USAA Target Retirement 2030 Fund (URTRX) at 2.00%. This indicates that SWYMX's price experiences larger fluctuations and is considered to be riskier than URTRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWYMX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.33% | 2.00% | +1.33% |
Volatility (6M)Calculated over the trailing 6-month period | 10.08% | 6.61% | +3.47% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.19% | 7.81% | +4.38% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.85% | 9.76% | +5.09% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.60% | 10.31% | +5.29% |
SWYMX vs. URTRX - Expense Ratio Comparison
SWYMX has a 0.08% expense ratio, which is higher than URTRX'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%.
Dividends
SWYMX vs. URTRX - Dividend Comparison
SWYMX's dividend yield for the trailing twelve months is around 1.81%, less than URTRX's 6.25% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYMX Schwab Target 2050 Index Fund | 1.81% | 2.00% | 2.03% | 1.99% | 1.96% | 1.78% | 1.65% | 1.96% | 2.15% | 1.43% | 1.22% | 0.00% |
URTRX USAA Target Retirement 2030 Fund | 6.25% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Frequently Asked Questions
With a correlation of 0.98, SWYMX and URTRX 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.
SWYMX has higher volatility (3.33%) compared to URTRX (2.00%). In terms of maximum drawdown, SWYMX dropped -30.48% vs URTRX's -34.10%.
URTRX currently has the higher Sharpe Ratio (1.96 vs 1.63), 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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