SWYNX vs. VFFVX
SWYNX (Schwab Target 2060 Index Fund) and VFFVX (Vanguard Target Retirement 2055 Fund) are both Target Retirement Date funds. Over the past 5 years, SWYNX returned 10.27%/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
SWYNX vs. VFFVX - Performance Comparison
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Returns By Period
In the year-to-date period, SWYNX achieves a 11.34% return, which is significantly higher than VFFVX's 10.01% return.
SWYNX
- 1D
- 1.79%
- 1M
- -0.40%
- 6M
- 8.21%
- YTD
- 11.34%
- 1Y
- 22.81%
- 3Y*
- 17.74%
- 5Y*
- 10.27%
- 10Y*
- —
- ALL TIME*
- 11.82%
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 |
SWYNX vs. VFFVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWYNX Schwab Target 2060 Index Fund | 11.34% | 20.19% | 14.71% | 23.96% | -17.93% | 18.84% | 14.88% | 26.10% | -9.98% | 20.36% |
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 SWYNX 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 Jan 3, 2017 | 0.98 |
The correlation between SWYNX 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
SWYNX vs. VFFVX — Risk / Return Rank
SWYNX
VFFVX
SWYNX vs. VFFVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2060 Index Fund (SWYNX) 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.
| SWYNX | VFFVX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.03 | ||
| Sortino ratioReturn per unit of downside risk | +0.05 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.29 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.31 | 2.23 | +0.08 |
| Martin ratioReturn relative to average drawdown | 9.96 | 9.30 | +0.66 |
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Drawdowns
SWYNX vs. VFFVX - Drawdown Comparison
The maximum SWYNX drawdown since its inception was -31.91%, roughly equal to the maximum VFFVX drawdown of -31.40%. Use the drawdown chart below to compare losses from any high point for SWYNX and VFFVX.
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Drawdown Indicators
| SWYNX | VFFVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.91% | -31.40% | -0.51% |
Max Drawdown (1Y)Largest decline over 1 year | -9.01% | -8.93% | -0.08% |
Max Drawdown (3Y)Largest decline over 3 years | -15.75% | -14.52% | -1.23% |
Max Drawdown (5Y)Largest decline over 5 years | -25.90% | -25.39% | -0.51% |
Max Drawdown (10Y)Largest decline over 10 years | — | -31.40% | — |
Current DrawdownCurrent decline from peak | -1.38% | -1.93% | +0.55% |
Average DrawdownAverage peak-to-trough decline | -4.82% | -4.12% | -0.70% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.09% | 2.14% | -0.05% |
Volatility
SWYNX vs. VFFVX - Volatility Comparison
The current volatility for Schwab Target 2060 Index Fund (SWYNX) is 3.54%, while Vanguard Target Retirement 2055 Fund (VFFVX) has a volatility of 3.74%. This indicates that SWYNX 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
| SWYNX | VFFVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.54% | 3.74% | -0.20% |
Volatility (6M)Calculated over the trailing 6-month period | 10.72% | 10.50% | +0.22% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.91% | 12.60% | +0.31% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.53% | 14.36% | +1.17% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.57% | 15.08% | +1.49% |
SWYNX vs. VFFVX - Expense Ratio Comparison
Both SWYNX 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
SWYNX vs. VFFVX - Dividend Comparison
SWYNX's dividend yield for the trailing twelve months is around 1.73%, less than VFFVX's 1.89% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWYNX Schwab Target 2060 Index Fund | 1.73% | 1.92% | 1.97% | 4.00% | 1.96% | 1.77% | 1.66% | 1.99% | 0.00% | 1.45% | 0.00% | 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, SWYNX 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 SWYNX (3.54%). In terms of maximum drawdown, SWYNX dropped -31.91% vs VFFVX's -31.40%.
SWYNX 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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