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SWYMX vs. VEIRX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

SWYMX vs. VEIRX

Last updated Jun 4, 2026

SWYMX (Schwab Target 2050 Index Fund) and VEIRX (Vanguard Equity Income Fund Admiral Shares) are both mutual funds - SWYMX is a Target Retirement Date fund managed by Charles Schwab, while VEIRX is a Large Cap Value Equities fund managed by Vanguard. Over the past 5 years, SWYMX returned 10.16%/yr vs 11.11%/yr for VEIRX. Their correlation of 0.83 suggests significant overlap in exposure. SWYMX charges 0.04%/yr vs 0.19%/yr for VEIRX.

Performance

SWYMX vs. VEIRX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab Target 2050 Index Fund (SWYMX) and Vanguard Equity Income Fund Admiral Shares (VEIRX). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, SWYMX achieves a 12.17% return, which is significantly higher than VEIRX's 9.73% return.

SWYMX

1D
0.37%
1M
5.03%
YTD
12.17%
6M
12.74%
1Y
27.12%
3Y*
19.17%
5Y*
10.16%
10Y*
—

VEIRX

1D
0.79%
1M
2.95%
YTD
9.73%
6M
9.86%
1Y
23.54%
3Y*
17.62%
5Y*
11.11%
10Y*
11.95%
*Multi-year figures are annualized to reflect compound growth (CAGR)

SWYMX vs. VEIRX - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
SWYMX
Schwab Target 2050 Index Fund		12.17%19.42%14.24%20.92%-17.65%17.80%14.66%25.34%-7.58%20.48%
VEIRX
Vanguard Equity Income Fund Admiral Shares		9.73%17.25%14.91%7.76%-0.08%25.49%3.08%25.34%-5.68%17.68%

Correlation

The correlation between SWYMX and VEIRX is 0.72, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.72

Correlation (3Y)
Calculated over the trailing 3-year period

0.77

Correlation (5Y)
Calculated over the trailing 5-year period

0.81

Correlation (All Time)
Calculated using the full available price history since Aug 31, 2016

0.83

The correlation between SWYMX and VEIRX shifts across timeframes, from 0.72 (1 year) to 0.83 (all time), reflecting how their relationship changes across market environments.

SWYMX vs. VEIRX - Sectors Allocation Comparison

Sectors
SWYMX
VEIRX

Technology

26.9%
13.0%

Financial Services

15.2%
20.5%

Industrials

11.3%
10.6%

Consumer Cyclical

8.9%
6.0%

Healthcare

7.8%
14.8%

Communication Services

7.6%
2.9%

Real Estate

7.4%
1.9%

Consumer Defensive

4.6%
9.4%

Energy

4.0%
8.3%

Basic Materials

3.7%
3.4%

Utilities

2.5%
7.0%

Technology

SWYMX
26.9%
VEIRX
13.0%

Financial Services

SWYMX
15.2%
VEIRX
20.5%

Industrials

SWYMX
11.3%
VEIRX
10.6%

Consumer Cyclical

SWYMX
8.9%
VEIRX
6.0%

Healthcare

SWYMX
7.8%
VEIRX
14.8%

Communication Services

SWYMX
7.6%
VEIRX
2.9%

Real Estate

SWYMX
7.4%
VEIRX
1.9%

Consumer Defensive

SWYMX
4.6%
VEIRX
9.4%

Energy

SWYMX
4.0%
VEIRX
8.3%

Basic Materials

SWYMX
3.7%
VEIRX
3.4%

Utilities

SWYMX
2.5%
VEIRX
7.0%

Compare stocks, funds, or ETFs

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Schwab Target 2050 Index Fund

Vanguard Equity Income Fund Admiral Shares

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Often compared with VEIRX:
VEIRX vs. SCHDVEIRX vs. VFIAXVEIRX vs. VOOVEIRX vs. VWENXVEIRX vs. VWIAXVEIRX vs. VDADXVEIRX vs. VDIGX

Return for Risk

SWYMX vs. VEIRX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
SWYMX
SWYMX Risk / Return Rank: 6969
Overall Rank
SWYMX Sharpe Ratio Rank: 7171
Sharpe Ratio Rank
SWYMX Sortino Ratio Rank: 6767
Sortino Ratio Rank
SWYMX Omega Ratio Rank: 6363
Omega Ratio Rank
SWYMX Calmar Ratio Rank: 7070
Calmar Ratio Rank
SWYMX Martin Ratio Rank: 7676
Martin Ratio Rank
VEIRX
VEIRX Risk / Return Rank: 6767
Overall Rank
VEIRX Sharpe Ratio Rank: 6767
Sharpe Ratio Rank
VEIRX Sortino Ratio Rank: 6666
Sortino Ratio Rank
VEIRX Omega Ratio Rank: 6161
Omega Ratio Rank
VEIRX Calmar Ratio Rank: 7676
Calmar Ratio Rank
VEIRX Martin Ratio Rank: 6666
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SWYMX vs. VEIRX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2050 Index Fund (SWYMX) and Vanguard Equity Income Fund Admiral Shares (VEIRX). 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.

SWYMXVEIRXDifference
Sharpe ratioReturn per unit of total volatility
2.45
2.39

+0.06

Sortino ratioReturn per unit of downside risk
3.40
3.39

+0.01

Omega ratioGain probability vs. loss probability

1.44

1.44

+0.01

Calmar ratioReturn relative to maximum drawdown

3.23

3.44

-0.21

Martin ratioReturn relative to average drawdown

14.39

12.85

+1.54

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SWYMX vs. VEIRX - Sharpe Ratio Comparison

The current SWYMX Sharpe Ratio is 2.45, which is comparable to the VEIRX Sharpe Ratio of 2.39. The chart below compares the historical Sharpe Ratios of SWYMX and VEIRX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

SWYMXVEIRXDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.45

2.39

+0.06

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.69

0.80

-0.11

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

—

0.74

—

Sharpe Ratio (All Time)

Calculated using the full available price history

0.75

0.52

+0.23

Drawdowns

SWYMX vs. VEIRX - Drawdown Comparison

The maximum SWYMX drawdown since its inception was -30.48%, smaller than the maximum VEIRX drawdown of -54.02%. Use the drawdown chart below to compare losses from any high point for SWYMX and VEIRX.

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Drawdown Indicators

SWYMXVEIRXDifference

Max Drawdown

Largest peak-to-trough decline

-30.48%

-54.02%

+23.54%

Max Drawdown (1Y)

Largest decline over 1 year

-8.55%

-7.13%

-1.42%

Max Drawdown (3Y)

Largest decline over 3 years

-14.95%

-13.36%

-1.59%

Max Drawdown (5Y)

Largest decline over 5 years

-25.37%

-15.12%

-10.25%

Max Drawdown (10Y)

Largest decline over 10 years

—

-35.26%

—

Current Drawdown

Current decline from peak

0.00%

0.00%

0.00%

Average Drawdown

Average peak-to-trough decline

-4.51%

-6.50%

+1.99%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.91%

1.91%

0.00%

Volatility

SWYMX vs. VEIRX - Volatility Comparison

Schwab Target 2050 Index Fund (SWYMX) has a higher volatility of 3.39% compared to Vanguard Equity Income Fund Admiral Shares (VEIRX) at 2.84%. This indicates that SWYMX's price experiences larger fluctuations and is considered to be riskier than VEIRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

SWYMXVEIRXDifference

Volatility (1M)

Calculated over the trailing 1-month period

3.39%

2.84%

+0.55%

Volatility (6M)

Calculated over the trailing 6-month period

8.93%

7.65%

+1.28%

Volatility (1Y)

Calculated over the trailing 1-year period

11.26%

10.25%

+1.01%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

14.72%

13.92%

+0.80%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

15.63%

16.31%

-0.68%

SWYMX vs. VEIRX - Expense Ratio Comparison

SWYMX has a 0.04% expense ratio, which is lower than VEIRX's 0.19% 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%.

Dividends

SWYMX vs. VEIRX - Dividend Comparison

SWYMX's dividend yield for the trailing twelve months is around 1.79%, less than VEIRX's 10.12% yield.

PositionTTM20252024202320222021202020192018201720162015
SWYMX
Schwab Target 2050 Index Fund		1.79%2.00%2.03%1.99%1.96%1.78%1.65%1.96%2.15%1.43%1.22%0.00%
VEIRX
Vanguard Equity Income Fund Admiral Shares		10.12%11.03%9.83%7.96%8.79%7.71%2.86%4.45%10.98%3.04%3.87%6.48%

Frequently Asked Questions

SWYMX and VEIRX have a correlation of 0.72, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

SWYMX has higher volatility (3.39%) compared to VEIRX (2.84%). In terms of maximum drawdown, SWYMX dropped -30.48% vs VEIRX's -54.02%.

SWYMX currently has the higher Sharpe Ratio (2.45 vs 2.39), 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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