PortfoliosLab logoPortfoliosLab logo

Documentation

Upgrade your plan
VTTVX vs. SWDRX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

VTTVX vs. SWDRX

Last updated Jun 4, 2026

VTTVX (Vanguard Target Retirement 2025 Fund) and SWDRX (Schwab Target 2030 Fund) are both mutual funds - VTTVX is a Diversified Portfolio fund managed by Vanguard, while SWDRX is a Target Retirement Date fund managed by Charles Schwab. Over the past 10 years, VTTVX returned 7.99%/yr vs 8.61%/yr for SWDRX. With a 0.98 correlation, they move nearly in lockstep. VTTVX charges 0.08%/yr vs 0.00%/yr for SWDRX.

Performance

VTTVX vs. SWDRX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Vanguard Target Retirement 2025 Fund (VTTVX) and Schwab Target 2030 Fund (SWDRX). The values are adjusted to include any dividend payments, if applicable.

Loading charts...

Returns By Period

The year-to-date returns for both stocks are quite close, with VTTVX having a 6.82% return and SWDRX slightly lower at 6.68%. Over the past 10 years, VTTVX has underperformed SWDRX with an annualized return of 7.99%, while SWDRX has yielded a comparatively higher 8.61% annualized return.

VTTVX

1D
0.19%
1M
3.00%
YTD
6.82%
6M
7.29%
1Y
16.99%
3Y*
12.88%
5Y*
6.14%
10Y*
7.99%

SWDRX

1D
0.11%
1M
2.88%
YTD
6.68%
6M
7.03%
1Y
17.43%
3Y*
13.55%
5Y*
6.53%
10Y*
8.61%
*Multi-year figures are annualized to reflect compound growth (CAGR)

VTTVX vs. SWDRX - Yearly Performance Comparison

2026 (YTD)202520242023202220212020201920182017
VTTVX
Vanguard Target Retirement 2025 Fund		6.82%14.63%9.23%14.76%-15.57%9.78%13.31%19.63%-5.14%13.68%
SWDRX
Schwab Target 2030 Fund		6.68%14.87%10.52%16.38%-17.00%12.52%13.49%20.41%-7.20%17.55%

Correlation

The correlation between VTTVX and SWDRX is 0.99 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

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

0.99

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

0.97

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

0.96

Correlation (10Y)
Calculated over the trailing 10-year period

0.97

Correlation (All Time)
Calculated using the full available price history since Jul 5, 2005

0.98

The correlation between VTTVX and SWDRX has been stable across timeframes, ranging from 0.96 to 0.99 - a consistent structural relationship.

VTTVX vs. SWDRX - Sectors Allocation Comparison

Sectors
VTTVX
SWDRX

Technology

27.4%
26.0%

Financial Services

16.1%
12.0%

Industrials

12.3%
11.7%

Consumer Cyclical

9.4%
9.3%

Healthcare

8.3%
10.6%

Communication Services

8.0%
8.7%

Consumer Defensive

4.8%
4.6%

Energy

4.3%
4.3%

Basic Materials

4.2%
3.5%

Utilities

2.7%
2.0%

Real Estate

2.5%
7.4%

Technology

VTTVX
27.4%
SWDRX
26.0%

Financial Services

VTTVX
16.1%
SWDRX
12.0%

Industrials

VTTVX
12.3%
SWDRX
11.7%

Consumer Cyclical

VTTVX
9.4%
SWDRX
9.3%

Healthcare

VTTVX
8.3%
SWDRX
10.6%

Communication Services

VTTVX
8.0%
SWDRX
8.7%

Consumer Defensive

VTTVX
4.8%
SWDRX
4.6%

Energy

VTTVX
4.3%
SWDRX
4.3%

Basic Materials

VTTVX
4.2%
SWDRX
3.5%

Utilities

VTTVX
2.7%
SWDRX
2.0%

Real Estate

VTTVX
2.5%
SWDRX
7.4%

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

Vanguard Target Retirement 2025 Fund

Schwab Target 2030 Fund

Often compared with VTTVX:
VTTVX vs. VTSAXVTTVX vs. TRRHXVTTVX vs. FFTWXVTTVX vs. VOOVTTVX vs. VFIAXVTTVX vs. VTWNXVTTVX vs. SCHD
Often compared with SWDRX:
SWDRX vs. SWYEXSWDRX vs. VTHRXSWDRX vs. SWPPXSWDRX vs. SWERXSWDRX vs. SWIRXSWDRX vs. SWTSXSWDRX vs. SCHG

Return for Risk

VTTVX vs. SWDRX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
VTTVX
VTTVX Risk / Return Rank: 7171
Overall Rank
VTTVX Sharpe Ratio Rank: 7575
Sharpe Ratio Rank
VTTVX Sortino Ratio Rank: 7575
Sortino Ratio Rank
VTTVX Omega Ratio Rank: 7373
Omega Ratio Rank
VTTVX Calmar Ratio Rank: 6464
Calmar Ratio Rank
VTTVX Martin Ratio Rank: 7070
Martin Ratio Rank
SWDRX
SWDRX Risk / Return Rank: 5959
Overall Rank
SWDRX Sharpe Ratio Rank: 6060
Sharpe Ratio Rank
SWDRX Sortino Ratio Rank: 6060
Sortino Ratio Rank
SWDRX Omega Ratio Rank: 5959
Omega Ratio Rank
SWDRX Calmar Ratio Rank: 5454
Calmar Ratio Rank
SWDRX Martin Ratio Rank: 6363
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.

VTTVX vs. SWDRX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2025 Fund (VTTVX) and Schwab Target 2030 Fund (SWDRX). 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.

VTTVXSWDRXDifference
Sharpe ratioReturn per unit of total volatility
2.52
2.28

+0.23

Sortino ratioReturn per unit of downside risk
3.62
3.26

+0.36

Omega ratioGain probability vs. loss probability

1.48

1.43

+0.06

Calmar ratioReturn relative to maximum drawdown

3.09

2.81

+0.27

Martin ratioReturn relative to average drawdown

13.50

12.35

+1.15

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

VTTVX vs. SWDRX - Sharpe Ratio Comparison

The current VTTVX Sharpe Ratio is 2.52, which is comparable to the SWDRX Sharpe Ratio of 2.28. The chart below compares the historical Sharpe Ratios of VTTVX and SWDRX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Loading charts...

Sharpe Ratios by Period

VTTVXSWDRXDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

2.52

2.28

+0.23

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.68

0.52

+0.16

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.81

0.70

+0.10

Sharpe Ratio (All Time)

Calculated using the full available price history

0.57

0.54

+0.02

Drawdowns

VTTVX vs. SWDRX - Drawdown Comparison

The maximum VTTVX drawdown since its inception was -46.03%, roughly equal to the maximum SWDRX drawdown of -45.34%. Use the drawdown chart below to compare losses from any high point for VTTVX and SWDRX.

Loading charts...

Drawdown Indicators

VTTVXSWDRXDifference

Max Drawdown

Largest peak-to-trough decline

-46.03%

-45.34%

-0.69%

Max Drawdown (1Y)

Largest decline over 1 year

-5.57%

-6.27%

+0.70%

Max Drawdown (3Y)

Largest decline over 3 years

-7.84%

-9.71%

+1.87%

Max Drawdown (5Y)

Largest decline over 5 years

-21.52%

-28.17%

+6.65%

Max Drawdown (10Y)

Largest decline over 10 years

-22.51%

-28.17%

+5.66%

Current Drawdown

Current decline from peak

0.00%

0.00%

0.00%

Average Drawdown

Average peak-to-trough decline

-5.05%

-6.48%

+1.43%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.27%

1.43%

-0.16%

Volatility

VTTVX vs. SWDRX - Volatility Comparison

Vanguard Target Retirement 2025 Fund (VTTVX) and Schwab Target 2030 Fund (SWDRX) have volatilities of 2.24% and 2.35%, 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 charts...

Volatility by Period

VTTVXSWDRXDifference

Volatility (1M)

Calculated over the trailing 1-month period

2.24%

2.35%

-0.11%

Volatility (6M)

Calculated over the trailing 6-month period

5.53%

6.11%

-0.58%

Volatility (1Y)

Calculated over the trailing 1-year period

6.83%

7.73%

-0.90%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

9.09%

12.58%

-3.49%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

9.94%

12.27%

-2.33%

VTTVX vs. SWDRX - Expense Ratio Comparison

VTTVX has a 0.08% expense ratio, which is higher than SWDRX'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%.

Dividends

VTTVX vs. SWDRX - Dividend Comparison

VTTVX's dividend yield for the trailing twelve months is around 6.91%, less than SWDRX's 7.79% yield.

PositionTTM20252024202320222021202020192018201720162015
SWDRX
Schwab Target 2030 Fund		7.79%8.31%6.37%4.28%6.77%6.92%3.23%6.60%7.03%4.86%5.87%9.35%
VTTVX
Vanguard Target Retirement 2025 Fund		6.91%7.38%7.63%3.96%2.96%16.28%4.35%2.57%3.14%0.47%2.68%4.98%

Frequently Asked Questions

With a correlation of 0.99, VTTVX and SWDRX 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.

SWDRX has higher volatility (2.35%) compared to VTTVX (2.24%). In terms of maximum drawdown, VTTVX dropped -46.03% vs SWDRX's -45.34%.

VTTVX currently has the higher Sharpe Ratio (2.52 vs 2.28), 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.

Portfolio Optimizer

Find the right allocation for VTTVX and SWDRX

Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.

Open Portfolio Optimizer