SWIRX Performance — Schwab Target 2035 Fund
Data updated: 2026-09-24
SWIRX returned +7.15% year to date and +15.28% over one year to Jul 2026. Annualised returns are +13.03% over 3 years and +6.80% over 5 years. The fund trailed its Target-Date category average: $100 invested three years ago grew to $144, against $146 for the category, and to $115 over one year, against $116. Volatility over the past three years was 9.99% a year. In the 12 months to Jul 2026 the fund lost a net $16.9M, and assets reached $670.46M.
SWIRX Growth of $100
What $100 invested in Schwab Target 2035 Fund grew to, compounded from monthly returns reported on SEC Form N-PORT, against the Target-Date category average over the same months.
| Period | SWIRX | Category average |
|---|---|---|
| 1 year (Aug 2025 – Jul 2026) | $115 | $116 |
| 3 years (Aug 2023 – Jul 2026) | $144 | $146 |
| 5 years (Aug 2021 – Jul 2026) | $139 | $142 |
| Since data start (Aug 2019 – Jul 2026) | $187 | $186 |
SWIRX Trailing Returns
Total returns to Jul 2026, from SEC N-PORT.
| Period | Total return |
|---|---|
| YTD | +7.15% |
| 1 year | +15.28% |
| 3 years (annualised) | +13.03% |
| 5 years (annualised) | +6.80% |
SWIRX Annual Returns
Calendar-year total returns of Schwab Target 2035 Fund, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2026 (Jan–Jul) | +7.15% |
| 2025 | +16.51% |
| 2024 | +11.74% |
| 2023 | +17.93% |
| 2022 | −17.99% |
| 2021 | +14.22% |
| 2020 | +14.03% |
| 2019 (Aug–Dec) | +6.61% |
SWIRX 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 | +2.3% | +1.7% | −5.1% | +6.3% | +2.9% | 0.0% | −0.7% | — | — | — | — | — |
| 2025 | +2.7% | +0.1% | −2.7% | +0.5% | +3.7% | +3.6% | +0.3% | +2.5% | +2.5% | +1.4% | +0.5% | +0.5% |
| 2024 | +0.1% | +3.0% | +2.6% | −3.6% | +3.8% | +1.3% | +2.1% | +2.1% | +1.5% | −2.2% | +3.5% | −2.8% |
| 2023 | +6.7% | −2.6% | +2.3% | +1.0% | −0.9% | +4.5% | +2.5% | −2.1% | −3.9% | −2.7% | +7.7% | +5.0% |
| 2022 | −4.6% | −2.8% | +0.7% | −6.9% | +0.4% | −7.0% | +6.3% | −4.0% | −8.2% | +4.9% | +6.7% | −3.6% |
| 2021 | −0.4% | +2.0% | +1.8% | +3.7% | +1.2% | +1.2% | +1.0% | +1.9% | −3.5% | +3.6% | −1.8% | +2.9% |
| 2020 | −0.7% | −5.3% | −12.0% | +9.2% | +4.2% | +2.6% | +4.2% | +4.3% | −2.2% | −1.7% | +9.1% | +3.7% |
| 2019 | — | — | — | — | — | — | — | −1.2% | +1.2% | +2.0% | +2.1% | +2.4% |
SWIRX Risk
Risk measures from monthly returns over Aug 2023 – Jul 2026.
- 3-year volatility (annualised): 9.99%
- 3-year Sharpe ratio: 0.85 (vs 4.5% risk-free rate)
- Best month: +7.73% (Nov 2023)
- Worst month: −5.12% (Mar 2026)
SWIRX Fund Flows
Monthly money in and out of Schwab Target 2035 Fund, from SEC Form N-PORT.
- 12-month net flow: −$16.9M
- 12-month gross sales (incl. reinvestments): $123.4M
- Sales ÷ redemptions: 0.88×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Jul 2026 | $4.1M | $8.0M | −$3.9M |
| Jun 2026 | $4.5M | $8.8M | −$4.3M |
| May 2026 | $4.7M | $49.3M | −$44.6M |
| Apr 2026 | $6.8M | $8.2M | −$1.3M |
| Mar 2026 | $6.1M | $11.5M | −$5.3M |
| Feb 2026 | $11.1M | $8.6M | $2.6M |
| Jan 2026 | $7.9M | $8.8M | −$884K |
| Dec 2025 | $52.4M | $5.1M | $47.3M |
| Nov 2025 | $5.5M | $5.6M | −$104K |
| Oct 2025 | $6.7M | $9.4M | −$2.7M |
| Sep 2025 | $6.8M | $8.7M | −$1.9M |
| Aug 2025 | $6.7M | $8.3M | −$1.6M |
SWIRX Assets Under Management
Net assets of Schwab Target 2035 Fund by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2026-07-31 | $670.46M |
| 2026-04-30 | $707.98M |
| 2026-01-31 | $694.69M |
| 2025-10-31 | $669.87M |
| 2025-07-31 | $634.71M |
| 2025-04-30 | $590.77M |
| 2025-01-31 | $621.21M |
| 2024-10-31 | $607.39M |
| 2024-07-31 | $600.47M |
| 2024-04-30 | $565.84M |
| 2024-01-31 | $562.21M |
| 2023-10-31 | $498.74M |
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.