All charts and data below are CPI-U inflation-adjusted and with dividends reinvested. (Why?)

Total Real Returns

SWYOX: Total Real Return Chart (Dividends Reinvested, Inflation Adjusted)

SWYOX real return snapshot: after CPI-U inflation, SWYOX returned +14.77% over the past year and +7.35% YTD, with dividends reinvested. Since Feb. 25, 2021, SWYOX is up +38.44% in real purchasing-power return, or +6.20%/yr, and is currently −2.10% below its real total-return high on Jun. 15, 2026.

Data ending Thu Jul. 23, 2026

Growth of $10,000

Thu 2021-02-25💬 to Thu 2026-07-23 Overall
Return 		Exponential
Trendline
SWYOX × 		+38.44%
+6.20%/yr 		+6.24%/yr
R2=0.421
Schwab Target 2065 Index Fund Mutual Fund

Growth of $10,000 Summary

Thu 2021-02-25💬 to Thu 2026-07-23 Start
Value 		End
Value
SWYOX × 		$10,000.00
2021-02-25 		$13,844.44
2026-07-23

This Year’s Performance

through 2026-07-23

  YTD YoY
SWYOX × 		+7.35% +14.77%

Drawdowns

  Current
Drawdown 		Worst
Drawdown
SWYOX × 		−2.10%
on 2026-07-23
from 2026-06-15 peak 		−31.09%
on 2022-10-14
from 2021-11-08 peak

Rolling Returns

Period ending Thu 2026-07-23 1 yr 2 yr 3 yr 5 yr 10 yr
SWYOX × 		+14.77% +29.34%
+13.73%/yr 		+47.68%
+13.88%/yr 		+30.08%
+5.40%/yr 		—

Annual Returns

Year SWYOX
2026 (YTD) +7.35%
2025 +17.34%
2024 +11.71%
2023 +17.67%
2022 −22.88%
2021 +8.43%