SWYHX Performance — Schwab Target 2045 Index Fund
Data updated: 2026-08-25
SWYHX returned +10.87% year to date and +21.28% over one year to Jun 2026. Annualised returns are +17.10% over 3 years and +9.32% over 5 years. The fund beat its Target-Date category average: $100 invested three years ago grew to $161, against $150 for the category, and to $121 over one year, against $118. Volatility over the past three years was 11.20% a year. In the 12 months to Jun 2026 the fund took in a net $195.8M, and assets reached $1.24B.
SWYHX Growth of $100
What $100 invested in Schwab Target 2045 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 | SWYHX | Category average |
|---|---|---|
| 1 year (Jul 2025 – Jun 2026) | $121 | $118 |
| 3 years (Jul 2023 – Jun 2026) | $161 | $150 |
| 5 years (Jul 2021 – Jun 2026) | $156 | $143 |
| Since data start (Jul 2019 – Jun 2026) | $215 | $187 |
SWYHX Trailing Returns
Total returns to Jun 2026, from SEC N-PORT.
| Period | Total return |
|---|---|
| YTD | +10.87% |
| 1 year | +21.28% |
| 3 years (annualised) | +17.10% |
| 5 years (annualised) | +9.32% |
SWYHX Annual Returns
Calendar-year total returns of Schwab Target 2045 Index Fund, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2026 (Jan–Jun) | +10.87% |
| 2025 | +18.64% |
| 2024 | +14.08% |
| 2023 | +19.96% |
| 2022 | −17.39% |
| 2021 | +17.05% |
| 2020 | +14.47% |
| 2019 (Jul–Dec) | +8.10% |
SWYHX 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 | +2.5% | +1.8% | −5.3% | +8.0% | +3.8% | +0.1% | — | — | — | — | — | — |
| 2025 | +2.7% | +0.1% | −3.2% | +0.3% | +4.5% | +4.0% | +0.9% | +2.8% | +2.7% | +1.7% | +0.5% | +0.5% |
| 2024 | −0.2% | +3.6% | +2.8% | −3.8% | +4.1% | +1.6% | +2.5% | +2.3% | +2.0% | −2.2% | +4.0% | −3.2% |
| 2023 | +7.3% | −3.0% | +2.4% | +1.1% | −1.1% | +5.3% | +3.0% | −2.5% | −4.2% | −2.7% | +8.5% | +5.4% |
| 2022 | −4.5% | −2.5% | +1.8% | −7.3% | +0.2% | −7.4% | +6.8% | −4.0% | −9.0% | +5.5% | +7.4% | −4.2% |
| 2021 | −0.2% | +2.2% | +2.5% | +3.9% | +1.2% | +1.3% | +1.0% | +2.0% | −3.7% | +4.6% | −2.1% | +3.4% |
| 2020 | −0.9% | −6.3% | −12.9% | +9.4% | +4.3% | +2.7% | +4.4% | +4.9% | −2.5% | −1.9% | +10.8% | +4.2% |
| 2019 | — | — | — | — | — | — | +0.2% | −1.4% | +1.9% | +2.3% | +2.2% | +2.7% |
SWYHX Risk
Risk measures from monthly returns over Jul 2023 – Jun 2026.
- 3-year volatility (annualised): 11.20%
- 3-year Sharpe ratio: 1.12 (vs 4.5% risk-free rate)
- Best month: +8.52% (Nov 2023)
- Worst month: −5.34% (Mar 2026)
SWYHX Fund Flows
Monthly money in and out of Schwab Target 2045 Index Fund, from SEC Form N-PORT.
- 12-month net flow: $195.8M
- 12-month gross sales (incl. reinvestments): $370.3M
- Sales ÷ redemptions: 2.12×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Jun 2026 | $30.6M | $17.9M | $12.6M |
| May 2026 | $38.4M | $19.1M | $19.4M |
| Apr 2026 | $33.4M | $13.3M | $20.1M |
| Mar 2026 | $25.4M | $16.5M | $8.9M |
| Feb 2026 | $34.0M | $14.7M | $19.3M |
| Jan 2026 | $36.6M | $14.3M | $22.3M |
| Dec 2025 | $51.8M | $14.4M | $37.4M |
| Nov 2025 | $20.5M | $12.6M | $7.9M |
| Oct 2025 | $28.1M | $16.0M | $12.1M |
| Sep 2025 | $23.5M | $8.9M | $14.5M |
| Aug 2025 | $22.9M | $10.7M | $12.3M |
| Jul 2025 | $25.0M | $16.0M | $9.0M |
SWYHX Assets Under Management
Net assets of Schwab Target 2045 Index Fund by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2026-06-30 | $1.24B |
| 2026-03-31 | $1.05B |
| 2025-12-31 | $1.02B |
| 2025-09-30 | $954.56M |
| 2025-06-30 | $861.33M |
| 2025-03-31 | $763.39M |
| 2024-12-31 | $746.34M |
| 2024-09-30 | $730.30M |
| 2024-06-30 | $658.80M |
| 2024-03-31 | $612.18M |
| 2023-12-31 | $541.46M |
| 2023-09-30 | $459.44M |
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.