VTTVX vs. SWHRX
Compare and contrast key facts about Vanguard Target Retirement 2025 Fund (VTTVX) and Schwab Target 2025 Fund (SWHRX).
VTTVX is managed by Vanguard. It was launched on Oct 27, 2003. SWHRX is managed by Charles Schwab. It was launched on Mar 11, 2008.
Performance
VTTVX vs. SWHRX - Performance Comparison
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VTTVX vs. SWHRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTTVX Vanguard Target Retirement 2025 Fund | -0.75% | 14.63% | 9.23% | 14.76% | -15.57% | 9.78% | 13.31% | 19.63% | -5.14% | 13.68% |
SWHRX Schwab Target 2025 Fund | -1.02% | 12.70% | 8.78% | 14.29% | -15.90% | 10.31% | 12.55% | 18.66% | -6.00% | 15.57% |
Returns By Period
In the year-to-date period, VTTVX achieves a -0.75% return, which is significantly higher than SWHRX's -1.02% return. Over the past 10 years, VTTVX has outperformed SWHRX with an annualized return of 7.42%, while SWHRX has yielded a comparatively lower 6.98% annualized return.
VTTVX
- 1D
- 1.49%
- 1M
- -3.60%
- YTD
- -0.75%
- 6M
- 0.96%
- 1Y
- 12.74%
- 3Y*
- 10.65%
- 5Y*
- 5.17%
- 10Y*
- 7.42%
SWHRX
- 1D
- 1.26%
- 1M
- -3.46%
- YTD
- -1.02%
- 6M
- 0.45%
- 1Y
- 10.32%
- 3Y*
- 9.59%
- 5Y*
- 4.62%
- 10Y*
- 6.98%
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VTTVX vs. SWHRX - Expense Ratio Comparison
VTTVX has a 0.08% expense ratio, which is higher than SWHRX'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
VTTVX vs. SWHRX — Risk / Return Rank
VTTVX
SWHRX
VTTVX vs. SWHRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement 2025 Fund (VTTVX) and Schwab Target 2025 Fund (SWHRX). 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.
| VTTVX | SWHRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.53 | 1.33 | +0.20 |
Sortino ratioReturn per unit of downside risk | 2.20 | 1.92 | +0.28 |
Omega ratioGain probability vs. loss probability | 1.32 | 1.27 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 2.15 | 1.87 | +0.28 |
Martin ratioReturn relative to average drawdown | 9.25 | 7.96 | +1.29 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| VTTVX | SWHRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.53 | 1.33 | +0.20 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.43 | +0.15 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.75 | 0.67 | +0.08 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.54 | 0.54 | 0.00 |
Correlation
The correlation between VTTVX and SWHRX is 0.98, 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
VTTVX vs. SWHRX - Dividend Comparison
VTTVX's dividend yield for the trailing twelve months is around 7.44%, less than SWHRX's 10.24% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
VTTVX Vanguard Target Retirement 2025 Fund | 7.44% | 7.38% | 7.63% | 3.96% | 2.96% | 16.28% | 4.35% | 2.57% | 3.14% | 0.47% | 2.68% | 4.98% |
SWHRX Schwab Target 2025 Fund | 10.24% | 10.13% | 7.82% | 5.19% | 5.72% | 6.41% | 2.94% | 5.47% | 5.95% | 3.78% | 5.31% | 7.05% |
Drawdowns
VTTVX vs. SWHRX - Drawdown Comparison
The maximum VTTVX drawdown since its inception was -46.03%, which is greater than SWHRX's maximum drawdown of -37.97%. Use the drawdown chart below to compare losses from any high point for VTTVX and SWHRX.
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Drawdown Indicators
| VTTVX | SWHRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -46.03% | -37.97% | -8.06% |
Max Drawdown (1Y)Largest decline over 1 year | -6.08% | -5.72% | -0.36% |
Max Drawdown (5Y)Largest decline over 5 years | -21.52% | -26.06% | +4.54% |
Max Drawdown (10Y)Largest decline over 10 years | -22.51% | -26.06% | +3.55% |
Current DrawdownCurrent decline from peak | -4.12% | -3.85% | -0.27% |
Average DrawdownAverage peak-to-trough decline | -5.09% | -5.38% | +0.29% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.42% | 1.34% | +0.08% |
Volatility
VTTVX vs. SWHRX - Volatility Comparison
Vanguard Target Retirement 2025 Fund (VTTVX) has a higher volatility of 3.45% compared to Schwab Target 2025 Fund (SWHRX) at 3.10%. This indicates that VTTVX's price experiences larger fluctuations and is considered to be riskier than SWHRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTTVX | SWHRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.45% | 3.10% | +0.35% |
Volatility (6M)Calculated over the trailing 6-month period | 5.21% | 4.68% | +0.53% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.53% | 7.95% | +0.58% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.07% | 10.91% | -1.84% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.93% | 10.49% | -0.56% |