SWYGX Performance — Schwab Target 2040 Index Fund
Data updated: 2026-08-25
SWYGX returned +9.94% year to date and +19.63% over one year to Jun 2026. Annualised returns are +16.04% over 3 years and +8.68% over 5 years. The fund beat its Target-Date category average: $100 invested three years ago grew to $156, against $150 for the category, and to $120 over one year, against $118. Volatility over the past three years was 10.62% a year. In the 12 months to Jun 2026 the fund took in a net $227.7M, and assets reached $1.79B.
SWYGX Growth of $100
What $100 invested in Schwab Target 2040 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 | SWYGX | Category average |
|---|---|---|
| 1 year (Jul 2025 – Jun 2026) | $120 | $118 |
| 3 years (Jul 2023 – Jun 2026) | $156 | $150 |
| 5 years (Jul 2021 – Jun 2026) | $152 | $143 |
| Since data start (Jul 2019 – Jun 2026) | $206 | $187 |
SWYGX Trailing Returns
Total returns to Jun 2026, from SEC N-PORT.
| Period | Total return |
|---|---|
| YTD | +9.94% |
| 1 year | +19.63% |
| 3 years (annualised) | +16.04% |
| 5 years (annualised) | +8.68% |
SWYGX Annual Returns
Calendar-year total returns of Schwab Target 2040 Index Fund, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2026 (Jan–Jun) | +9.94% |
| 2025 | +17.57% |
| 2024 | +13.20% |
| 2023 | +19.07% |
| 2022 | −16.96% |
| 2021 | +15.66% |
| 2020 | +14.18% |
| 2019 (Jul–Dec) | +7.73% |
SWYGX 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% | +1.8% | −5.0% | +7.3% | +3.6% | +0.1% | — | — | — | — | — | — |
| 2025 | +2.6% | +0.2% | −3.0% | +0.3% | +4.1% | +3.7% | +0.9% | +2.6% | +2.6% | +1.6% | +0.5% | +0.4% |
| 2024 | −0.1% | +3.2% | +2.6% | −3.7% | +4.0% | +1.6% | +2.5% | +2.3% | +1.9% | −2.2% | +3.8% | −3.0% |
| 2023 | +7.0% | −3.0% | +2.3% | +1.2% | −1.1% | +4.9% | +2.8% | −2.3% | −4.2% | −2.6% | +8.3% | +5.2% |
| 2022 | −4.3% | −2.5% | +1.6% | −7.1% | +0.1% | −6.9% | +6.6% | −4.0% | −8.6% | +5.2% | +7.1% | −4.0% |
| 2021 | −0.3% | +2.0% | +2.3% | +3.7% | +1.1% | +1.2% | +1.1% | +1.8% | −3.5% | +4.3% | −1.9% | +3.2% |
| 2020 | −0.7% | −5.7% | −12.0% | +9.0% | +4.0% | +2.5% | +4.2% | +4.5% | −2.4% | −1.8% | +10.0% | +3.9% |
| 2019 | — | — | — | — | — | — | +0.3% | −1.1% | +1.7% | +2.2% | +2.0% | +2.4% |
SWYGX Risk
Risk measures from monthly returns over Jul 2023 – Jun 2026.
- 3-year volatility (annualised): 10.62%
- 3-year Sharpe ratio: 1.09 (vs 4.5% risk-free rate)
- Best month: +8.26% (Nov 2023)
- Worst month: −5.01% (Mar 2026)
SWYGX Fund Flows
Monthly money in and out of Schwab Target 2040 Index Fund, from SEC Form N-PORT.
- 12-month net flow: $227.7M
- 12-month gross sales (incl. reinvestments): $498.8M
- Sales ÷ redemptions: 1.84×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Jun 2026 | $54.4M | $29.4M | $25.0M |
| May 2026 | $44.0M | $24.9M | $19.1M |
| Apr 2026 | $37.4M | $19.5M | $17.9M |
| Mar 2026 | $39.2M | $19.7M | $19.4M |
| Feb 2026 | $44.2M | $27.2M | $17.0M |
| Jan 2026 | $55.1M | $29.7M | $25.4M |
| Dec 2025 | $68.9M | $23.3M | $45.6M |
| Nov 2025 | $35.3M | $16.0M | $19.3M |
| Oct 2025 | $36.2M | $37.0M | −$881K |
| Sep 2025 | $27.4M | $14.5M | $12.9M |
| Aug 2025 | $25.6M | $14.1M | $11.4M |
| Jul 2025 | $31.2M | $15.8M | $15.4M |
SWYGX Assets Under Management
Net assets of Schwab Target 2040 Index Fund by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2026-06-30 | $1.79B |
| 2026-03-31 | $1.56B |
| 2025-12-31 | $1.51B |
| 2025-09-30 | $1.44B |
| 2025-06-30 | $1.32B |
| 2025-03-31 | $1.19B |
| 2024-12-31 | $1.16B |
| 2024-09-30 | $1.16B |
| 2024-06-30 | $1.06B |
| 2024-03-31 | $999.74M |
| 2023-12-31 | $868.12M |
| 2023-09-30 | $731.71M |
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.