SWHRX Performance — Schwab Target 2025 Fund
Data updated: 2026-09-24
SWHRX returned +4.39% year to date and +10.33% over one year to Jul 2026. Annualised returns are +9.83% over 3 years and +4.67% over 5 years. The fund trailed its Target-Date category average: $100 invested three years ago grew to $132, against $146 for the category, and to $110 over one year, against $116. Volatility over the past three years was 7.86% a year. In the 12 months to Jul 2026 the fund lost a net $54.1M, and assets reached $366.74M.
SWHRX Growth of $100
What $100 invested in Schwab Target 2025 Fund grew to, compounded from monthly returns reported on SEC Form N-PORT, against the Target-Date category average over the same months.
| Period | SWHRX | Category average |
|---|---|---|
| 1 year (Aug 2025 – Jul 2026) | $110 | $116 |
| 3 years (Aug 2023 – Jul 2026) | $132 | $146 |
| 5 years (Aug 2021 – Jul 2026) | $126 | $142 |
| Since data start (Aug 2019 – Jul 2026) | $161 | $186 |
SWHRX Trailing Returns
Total returns to Jul 2026, from SEC N-PORT.
| Period | Total return |
|---|---|
| YTD | +4.39% |
| 1 year | +10.33% |
| 3 years (annualised) | +9.83% |
| 5 years (annualised) | +4.67% |
SWHRX Annual Returns
Calendar-year total returns of Schwab Target 2025 Fund, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2026 (Jan–Jul) | +4.39% |
| 2025 | +12.71% |
| 2024 | +8.79% |
| 2023 | +14.28% |
| 2022 | −15.95% |
| 2021 | +10.31% |
| 2020 | +12.53% |
| 2019 (Aug–Dec) | +5.56% |
SWHRX Monthly Returns
Monthly total returns as reported on SEC Form N-PORT.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.3% | +1.6% | −3.8% | +4.1% | +1.9% | +0.1% | −0.7% | — | — | — | — | — |
| 2025 | +2.0% | +0.8% | −1.8% | +0.5% | +2.1% | +2.7% | +0.3% | +2.0% | +1.9% | +1.0% | +0.6% | +0.2% |
| 2024 | +0.1% | +1.6% | +2.0% | −3.1% | +3.1% | +1.2% | +2.1% | +1.8% | +1.5% | −2.1% | +2.7% | −2.3% |
| 2023 | +5.5% | −2.4% | +2.3% | +0.9% | −0.9% | +3.0% | +1.8% | −1.6% | −3.4% | −2.1% | +6.6% | +4.4% |
| 2022 | −3.8% | −2.3% | −0.1% | −5.8% | +0.3% | −5.4% | +5.2% | −3.5% | −7.0% | +3.4% | +5.5% | −2.7% |
| 2021 | −0.5% | +1.1% | +1.2% | +2.9% | +0.9% | +1.0% | +1.1% | +1.3% | −2.7% | +2.7% | −1.2% | +2.1% |
| 2020 | −0.1% | −3.7% | −9.0% | +7.3% | +3.2% | +2.1% | +3.4% | +3.2% | −1.7% | −1.4% | +7.0% | +2.8% |
| 2019 | — | — | — | — | — | — | — | −0.5% | +0.8% | +1.6% | +1.7% | +1.8% |
SWHRX Risk
Risk measures from monthly returns over Aug 2023 – Jul 2026.
- 3-year volatility (annualised): 7.86%
- 3-year Sharpe ratio: 0.68 (vs 4.5% risk-free rate)
- Best month: +6.57% (Nov 2023)
- Worst month: −3.78% (Mar 2026)
SWHRX Fund Flows
Monthly money in and out of Schwab Target 2025 Fund, from SEC Form N-PORT.
- 12-month net flow: −$54.1M
- 12-month gross sales (incl. reinvestments): $69.3M
- Sales ÷ redemptions: 0.56×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Jul 2026 | $1.5M | $8.4M | −$6.9M |
| Jun 2026 | $2.8M | $7.6M | −$4.8M |
| May 2026 | $1.1M | $25.9M | −$24.9M |
| Apr 2026 | $1.6M | $8.3M | −$6.7M |
| Mar 2026 | $1.8M | $9.0M | −$7.3M |
| Feb 2026 | $3.4M | $7.2M | −$3.8M |
| Jan 2026 | $3.2M | $16.1M | −$12.9M |
| Dec 2025 | $38.3M | $8.4M | $30.0M |
| Nov 2025 | $4.0M | $6.5M | −$2.5M |
| Oct 2025 | $2.9M | $9.7M | −$6.8M |
| Sep 2025 | $4.4M | $9.6M | −$5.2M |
| Aug 2025 | $4.2M | $6.7M | −$2.5M |
SWHRX Assets Under Management
Net assets of Schwab Target 2025 Fund by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2026-07-31 | $366.74M |
| 2026-04-30 | $398.27M |
| 2026-01-31 | $409.32M |
| 2025-10-31 | $424.81M |
| 2025-07-31 | $418.70M |
| 2025-04-30 | $409.59M |
| 2025-01-31 | $433.18M |
| 2024-10-31 | $447.98M |
| 2024-07-31 | $457.88M |
| 2024-04-30 | $450.96M |
| 2024-01-31 | $469.43M |
| 2023-10-31 | $445.77M |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.