SWYFX Fees and Costs — Schwab Target 2035 Index Fund
Data updated: 2026-08-25
The net expense ratio is 0.08% (0.13% before fee waivers). There are no sales loads or redemption fees. In fiscal 2026 the fund paid $163K in broker commissions, 0.0130% of average net assets, and portfolio turnover was 11%.
SWYFX Fees and Expenses
Annual operating expenses and sales charges of SWYFX. Prospectus, as of July 28, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.08% |
| 12b-1 fee | 0.00% |
| Other expenses | 0.00% |
| Gross expense ratio | 0.13% |
| Fee waiver | −0.05% |
| Net expense ratio | 0.08% |
| Sales charges | |
|---|---|
| Max front load | — |
| Max deferred load | — |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | No |
SWYFX Costs Over Time
On $10,000 invested in SWYFX, assuming 5% a year before costs, total costs come to $59 over 5 years, cutting the return by 0.10% a year. Illustration, not a forecast: it assumes today's net expense ratio throughout (a fee waiver may end).
| $10,000 invested | Sell after 1 year | Sell after 3 years | Sell after 5 years |
|---|---|---|---|
| Value before costs | $10,500 | $11,576 | $12,763 |
| Fund expenses (net expense ratio 0.08%) | $8 | $26 | $46 |
| Trading costs (broker commissions) | $1 | $4 | $8 |
| Lost growth on money paid in costs | $0 | $2 | $5 |
| Total costs | $10 | $32 | $59 |
| Value after costs | $10,490 | $11,544 | $12,704 |
| Impact on return, per year | 0.10% | 0.10% | 0.10% |
SWYFX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending March 31, 2026.
- Explicit cost rate (commissions ÷ average net assets): 0.0130%
- Total broker commissions: $163K
- Bought from dealers (principal trades, not a cost): —
- Portfolio turnover (prospectus): 11%
- Securities lending: none during the year
SWYFX Agency Brokers
Commissions paid.
| Broker | Amount | Share |
|---|---|---|
| Jane Street Execution Services, LLC | $42K | 25.99% |
| Susquehanna Financial Group, LLLP | $29K | 18.02% |
| Goldman Sachs & Co. LLC | $29K | 17.50% |
| Flow Traders U.S. Institutional Trading LLC | $24K | 14.87% |
| Citadel Securities LLC | $20K | 12.37% |
| Virtu Americas LLC | $18K | 11.25% |
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 Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date.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.