SWYDX Performance — Schwab Target 2025 Index Fund
Data updated: 2026-08-25
SWYDX returned +5.86% year to date and +12.24% over one year to Jun 2026. Annualised returns are +11.02% over 3 years and +5.51% over 5 years. The fund trailed its Target-Date category average: $100 invested three years ago grew to $137, against $150 for the category, and to $112 over one year, against $118. Volatility over the past three years was 7.79% a year. In the 12 months to Jun 2026 the fund took in a net $23.0M, and assets reached $667.27M.
SWYDX Growth of $100
What $100 invested in Schwab Target 2025 Index Fund grew to, compounded from monthly returns reported on SEC Form N-PORT, against the Target-Date category average over the same months.
| Period | SWYDX | Category average |
|---|---|---|
| 1 year (Jul 2025 – Jun 2026) | $112 | $118 |
| 3 years (Jul 2023 – Jun 2026) | $137 | $150 |
| 5 years (Jul 2021 – Jun 2026) | $131 | $143 |
| Since data start (Jul 2019 – Jun 2026) | $166 | $187 |
SWYDX Trailing Returns
Total returns to Jun 2026, from SEC N-PORT.
| Period | Total return |
|---|---|
| YTD | +5.86% |
| 1 year | +12.24% |
| 3 years (annualised) | +11.02% |
| 5 years (annualised) | +5.51% |
SWYDX Annual Returns
Calendar-year total returns of Schwab Target 2025 Index Fund, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2026 (Jan–Jun) | +5.86% |
| 2025 | +12.59% |
| 2024 | +8.87% |
| 2023 | +14.22% |
| 2022 | −14.81% |
| 2021 | +10.26% |
| 2020 | +12.38% |
| 2019 (Jul–Dec) | +6.14% |
SWYDX 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% | +1.5% | −3.4% | +4.3% | +2.2% | 0.0% | — | — | — | — | — | — |
| 2025 | +1.8% | +1.0% | −1.8% | +0.4% | +2.1% | +2.7% | +0.5% | +1.9% | +1.8% | +1.1% | +0.5% | +0.1% |
| 2024 | +0.1% | +1.5% | +1.9% | −3.1% | +3.1% | +1.4% | +2.3% | +1.8% | +1.6% | −2.1% | +2.8% | −2.4% |
| 2023 | +5.5% | −2.6% | +2.5% | +0.9% | −0.9% | +2.9% | +1.7% | −1.6% | −3.4% | −1.9% | +6.5% | +4.4% |
| 2022 | −3.5% | −1.8% | +0.4% | −5.8% | +0.3% | −5.1% | +5.3% | −3.6% | −7.0% | +3.3% | +5.5% | −2.9% |
| 2021 | −0.5% | +0.9% | +1.3% | +2.7% | +0.9% | +1.1% | +1.2% | +1.2% | −2.6% | +2.9% | −1.1% | +2.1% |
| 2020 | +0.2% | −3.5% | −8.3% | +7.0% | +2.9% | +1.8% | +3.2% | +2.9% | −1.7% | −1.5% | +7.1% | +2.6% |
| 2019 | — | — | — | — | — | — | +0.3% | −0.1% | +1.1% | +1.5% | +1.5% | +1.7% |
SWYDX Risk
Risk measures from monthly returns over Jul 2023 – Jun 2026.
- 3-year volatility (annualised): 7.79%
- 3-year Sharpe ratio: 0.84 (vs 4.5% risk-free rate)
- Best month: +6.52% (Nov 2023)
- Worst month: −3.42% (Mar 2026)
SWYDX Fund Flows
Monthly money in and out of Schwab Target 2025 Index Fund, from SEC Form N-PORT.
- 12-month net flow: $23.0M
- 12-month gross sales (incl. reinvestments): $191.8M
- Sales ÷ redemptions: 1.14×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Jun 2026 | $7.9M | $14.4M | −$6.5M |
| May 2026 | $13.4M | $16.7M | −$3.3M |
| Apr 2026 | $7.7M | $8.9M | −$1.2M |
| Mar 2026 | $8.9M | $17.0M | −$8.1M |
| Feb 2026 | $13.3M | $14.1M | −$825K |
| Jan 2026 | $20.8M | $17.6M | $3.2M |
| Dec 2025 | $46.6M | $17.0M | $29.6M |
| Nov 2025 | $10.3M | $15.1M | −$4.8M |
| Oct 2025 | $20.1M | $11.3M | $8.8M |
| Sep 2025 | $13.4M | $10.3M | $3.0M |
| Aug 2025 | $10.0M | $10.1M | −$100K |
| Jul 2025 | $19.4M | $16.2M | $3.2M |
SWYDX Assets Under Management
Net assets of Schwab Target 2025 Index Fund by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2026-06-30 | $667.27M |
| 2026-03-31 | $636.20M |
| 2025-12-31 | $646.63M |
| 2025-09-30 | $634.75M |
| 2025-06-30 | $603.16M |
| 2025-03-31 | $574.57M |
| 2024-12-31 | $577.64M |
| 2024-09-30 | $605.52M |
| 2024-06-30 | $573.00M |
| 2024-03-31 | $559.19M |
| 2023-12-31 | $530.26M |
| 2023-09-30 | $487.11M |
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.