VTINX vs. SWBRX
Compare and contrast key facts about Vanguard Target Retirement Income Fund (VTINX) and Schwab Target 2010 Fund (SWBRX).
VTINX is managed by Vanguard. It was launched on Oct 27, 2003. SWBRX is managed by Charles Schwab. It was launched on Jun 30, 2005.
Performance
VTINX vs. SWBRX - Performance Comparison
Loading graphics...
VTINX vs. SWBRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTINX Vanguard Target Retirement Income Fund | -1.40% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
SWBRX Schwab Target 2010 Fund | -1.80% | 11.25% | 7.36% | 11.82% | -14.21% | 6.98% | 11.19% | 14.52% | -3.45% | 10.24% |
Returns By Period
In the year-to-date period, VTINX achieves a -1.40% return, which is significantly higher than SWBRX's -1.80% return. Over the past 10 years, VTINX has underperformed SWBRX with an annualized return of 4.84%, while SWBRX has yielded a comparatively higher 5.32% annualized return.
VTINX
- 1D
- 0.19%
- 1M
- -3.96%
- YTD
- -1.40%
- 6M
- 0.13%
- 1Y
- 8.28%
- 3Y*
- 7.52%
- 5Y*
- 3.51%
- 10Y*
- 4.84%
SWBRX
- 1D
- 0.23%
- 1M
- -4.17%
- YTD
- -1.80%
- 6M
- -0.26%
- 1Y
- 8.00%
- 3Y*
- 7.84%
- 5Y*
- 3.69%
- 10Y*
- 5.32%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
VTINX vs. SWBRX - Expense Ratio Comparison
VTINX has a 0.08% expense ratio, which is higher than SWBRX's 0.00% 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
VTINX vs. SWBRX — Risk / Return Rank
VTINX
SWBRX
VTINX vs. SWBRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement Income Fund (VTINX) and Schwab Target 2010 Fund (SWBRX). 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.
| VTINX | SWBRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.54 | 1.27 | +0.27 |
Sortino ratioReturn per unit of downside risk | 2.18 | 1.81 | +0.37 |
Omega ratioGain probability vs. loss probability | 1.31 | 1.26 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.98 | 1.70 | +0.27 |
Martin ratioReturn relative to average drawdown | 8.44 | 7.13 | +1.32 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| VTINX | SWBRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.54 | 1.27 | +0.27 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.42 | +0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.85 | 0.70 | +0.16 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.89 | 0.56 | +0.33 |
Correlation
The correlation between VTINX and SWBRX is 0.92, 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
VTINX vs. SWBRX - Dividend Comparison
VTINX's dividend yield for the trailing twelve months is around 5.10%, less than SWBRX's 7.67% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTINX Vanguard Target Retirement Income Fund | 5.10% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
SWBRX Schwab Target 2010 Fund | 7.67% | 7.53% | 6.88% | 4.35% | 4.59% | 4.86% | 2.64% | 4.91% | 6.25% | 2.22% | 1.79% | 1.86% |
Drawdowns
VTINX vs. SWBRX - Drawdown Comparison
The maximum VTINX drawdown since its inception was -19.96%, smaller than the maximum SWBRX drawdown of -37.52%. Use the drawdown chart below to compare losses from any high point for VTINX and SWBRX.
Loading graphics...
Drawdown Indicators
| VTINX | SWBRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.96% | -37.52% | +17.56% |
Max Drawdown (1Y)Largest decline over 1 year | -4.14% | -4.65% | +0.51% |
Max Drawdown (5Y)Largest decline over 5 years | -17.02% | -22.40% | +5.38% |
Max Drawdown (10Y)Largest decline over 10 years | -17.02% | -22.40% | +5.38% |
Current DrawdownCurrent decline from peak | -3.96% | -4.17% | +0.21% |
Average DrawdownAverage peak-to-trough decline | -2.21% | -5.26% | +3.05% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.97% | 1.11% | -0.14% |
Volatility
VTINX vs. SWBRX - Volatility Comparison
Vanguard Target Retirement Income Fund (VTINX) and Schwab Target 2010 Fund (SWBRX) have volatilities of 2.23% and 2.27%, 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.
Loading graphics...
Volatility by Period
| VTINX | SWBRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.23% | 2.27% | -0.04% |
Volatility (6M)Calculated over the trailing 6-month period | 3.47% | 3.74% | -0.27% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.53% | 6.46% | -0.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.00% | 8.76% | -2.76% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.68% | 7.65% | -1.97% |