All charts and data below are with dividends reinvested. (Inflation adjustment is OFF !)

Total Real Returns

SWYOX: Total Return Chart (with Dividends Reinvested)

SWYOX total return snapshot: SWYOX returned +19.39% over the past year and +10.88% YTD, with dividends reinvested. Since Feb. 25, 2021, SWYOX is up +76.28% in nominal total return, or +11.05%/yr, and is currently −2.05% below its total-return high on Jun. 15, 2026.

Data ending Fri Jul. 24, 2026

Growth of $10,000

Thu 2021-02-25💬 to Fri 2026-07-24 Overall
Return 		Exponential
Trendline
SWYOX × 		+76.28%
+11.05%/yr 		+10.49%/yr
R2=0.718
Schwab Target 2065 Index Fund Mutual Fund

Growth of $10,000 Summary

Thu 2021-02-25💬 to Fri 2026-07-24 Start
Value 		End
Value
SWYOX × 		$10,000.00
2021-02-25 		$17,628.00
2026-07-24

This Year’s Performance

through 2026-07-24

  YTD YoY
SWYOX × 		+10.88% +19.39%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
SWYOX × 		−2.05%
on 2026-07-24
from 2026-06-15 peak 		−26.02%
on 2022-10-14
from 2021-11-08 peak

Rolling Returns

Period ending Fri 2026-07-24 1 yr 2 yr 3 yr 5 yr 10 yr
SWYOX × 		+19.39% +40.19%
+18.40%/yr 		+61.18%
+17.25%/yr 		+59.67%
+9.81%/yr 		—

Annual Returns

Year SWYOX
2026 (YTD) +10.88%
2025 +20.48%
2024 +14.92%
2023 +21.61%
2022 −17.90%
2021 +15.01%