SWDRX

Active

Schwab Target 2030 Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.40%

Annual Cost per $10K

$40.00

30-Year Fee Drag per $10K

$8,090

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+14.41%

Asset Allocation

US Equity

46%

Intl Equity

18%

US Bond

32%

Intl Bond

Cash

Fee Comparison

SWDRX

0.40%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

53% cheaper than category average

Historical Returns

Monthly total returns (dividends reinvested) from SEC N-PORT filings · As of October 2025 · Updated quarterly

+50.57%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

SWDRX at 0.40%$340,162

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$40,450

Cost vs index fund−$37,262

Similar Funds (100)

Ranked by allocation similarity weighted by fund size · Returns (dividends reinvested) from SEC N-PORT filings · As of October 2025

Ticker	Name	ER	1yr	3yr	5yr
SWDRX	Schwab Target 2030 Fund	0.40%	+14.41%	+14.62%	+8.83%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+8.77%	+14.58%	+7.82%
MSFKX	MFS Total Return Fund	0.40%	+6.74%	+12.13%	+8.11%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+12.84%	+17.28%	+9.56%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+11.70%	+15.93%	+8.50%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+12.16%	—	—
IDXFX	VOYA INDEX SOLUTION 2030 PORTFOLIO	0.47%	+10.35%	+14.76%	+8.28%
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+11.22%	+16.94%	+9.15%
ABALX	American Balanced Fund	0.58%	+14.48%	+17.33%	+10.37%
TLHIX	Nuveen Lifecycle Index 2030 Fund	0.25%	+9.89%	+11.56%	+7.37%
FAUYX	Fidelity Freedom Index 2030 Fund	0.05%	+10.81%	—	—
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
LTAOX	Principal LifeTime 2035 Fund	0.56%	+12.56%	+13.48%	+8.64%
VTTVX	VANGUARD TARGET RETIREMENT 2025 FUND	0.08%	+10.53%	+14.31%	+7.39%
SSBYX	State Street Target Retirement 2030 Fund	0.09%	+11.12%	+15.79%	+8.24%
PHJJX	Principal LifeTime Hybrid 2035 Fund	0.47%	+14.88%	+14.75%	+9.86%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+13.88%	+18.67%	+10.62%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+12.05%	+11.50%	+7.31%
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
FFFEX	Fidelity Freedom 2030 Fund	0.61%	+11.37%	+15.77%	+8.45%
SWYEX	Schwab Target 2030 Index Fund	0.08%	+10.48%	+15.65%	+8.56%
PLTJX	Principal LifeTime 2030 Fund	0.79%	+12.03%	+12.82%	+8.12%
ABUAX	Columbia Capital Allocation Moderate Portfolio	0.93%	+15.54%	+14.13%	+7.79%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
CAIBX	Capital Income Builder	0.58%	+15.51%	+14.04%	+11.04%
AAATX	American Funds 2010 Target Date Retirement Fund	0.59%	+10.80%	+10.21%	+6.55%
JBAWX	Balanced Fund	0.62%	+17.64%	+16.24%	+10.38%
AABTX	American Funds 2015 Target Date Retirement Fund	0.61%	+11.19%	+10.71%	+6.94%
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
TIMIX	Nuveen Managed Allocation Fund	0.46%	+8.45%	+13.24%	+9.24%
MTODX	NYLI Income Builder Fund	0.68%	+13.80%	+13.82%	+8.42%
ISEAX	VOYA INDEX SOLUTION 2035 PORTFOLIO	0.62%	+11.79%	+16.80%	+9.52%
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
SWYFX	Schwab Target 2035 Index Fund	0.08%	+11.78%	+17.31%	+9.77%
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
FDTKX	Fidelity Freedom 2025 Fund	0.59%	+10.67%	+14.80%	+7.64%
OAZBX	Oakmark Equity and Income Fund	0.56%	+7.65%	+14.06%	—
SWOBX	Schwab Balanced Fund	0.51%	+14.26%	+15.03%	+8.85%
FPFRX	FPA Crescent Fund	1.06%	+15.19%	—	—
SSBSX	State Street Target Retirement 2025 Fund	0.09%	+9.09%	+13.46%	+7.22%
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
FATZX	Fidelity Freedom Index 2025 Fund	0.05%	+9.85%	—	—
VBIAX	VANGUARD BALANCED INDEX FUND	0.07%	+11.99%	+16.38%	+9.22%
HBLFX	THE HARTFORD BALANCED INCOME FUND	0.56%	+7.51%	+9.23%	+6.46%
FIWBX	Fidelity Advisor Multi-Asset Income Fund	0.80%	+13.74%	+13.57%	+9.80%
CAMRX	Calvert Moderate Allocation Fund	0.67%	+8.07%	+13.74%	—
TRAIX	T. Rowe Price Capital Appreciation Fund	0.58%	+10.50%	+16.19%	+11.63%
PHJNX	Principal LifeTime Hybrid 2030 Fund	0.31%	+13.62%	+13.48%	+8.71%
PACBX	Putnam Dynamic Asset Allocation Conservative Fund	0.63%	+19.25%	+1.44%	+3.55%
TCLFX	Nuveen Lifecycle 2025 Fund	0.47%	+7.50%	+9.47%	+5.87%
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
TSIMX	Nuveen Lifestyle Moderate Fund	0.87%	+8.40%	+11.48%	+6.69%
NRIFX	Nuveen Real Asset Income Fund	0.81%	+5.44%	+10.48%	+6.63%
LCGSX	Franklin Multi-Asset Conservative Growth Fund	0.70%	—	—	—
EAAFX	Allspring Asset Allocation Fund	0.75%	+14.98%	+14.21%	+7.56%
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+14.96%	+20.02%	+11.67%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+14.42%	—	—
FTFCX	American Funds College 2030 Fund	0.35%	+10.25%	+10.58%	+6.69%
FFBPX	Fidelity Freedom Blend 2030 Fund	0.36%	+11.07%	+15.64%	—
MIBLX	BNY Mellon Asset Allocation Fund	0.87%	+11.12%	+11.68%	+8.40%
SWBGX	Schwab MarketTrack Balanced Portfolio	0.48%	+13.96%	+13.44%	+9.03%
FBAKX	Fidelity Balanced Fund	0.46%	+11.35%	+14.26%	+10.21%
MNBWX	Pro-Blend Extended Term Series	0.10%	+8.63%	+11.55%	+6.94%
DOXBX	Dodge & Cox Balanced Fund	0.43%	+9.74%	+15.05%	—
SWC1Z	Schwab VIT Balanced with Growth Portfolio	0.54%	+10.75%	+15.16%	+8.07%
TAAMX	Transamerica Asset Allocation - Moderate Portfolio	0.95%	+14.62%	+13.19%	—
FATKX	Fidelity Freedom 2020 Fund	0.28%	+9.58%	+13.40%	+6.69%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
POCAX	Aristotle Portfolio Optimization Moderate Fund	1.12%	+10.44%	—	—
PSQGX	Port Street Quality Growth Fund$1M min	0.97%	+4.84%	+12.16%	+7.34%
TLQIX	Nuveen Lifecycle Index 2025 Fund	0.10%	+8.99%	+10.42%	+6.46%
HADAX	HARTFORD BALANCED HLS FUND	0.66%	+7.24%	+13.79%	+9.50%
ITCSX	VY(R) T. ROWE PRICE CAPITAL APPRECIATION PORTFOLIO	0.65%	+10.16%	+15.83%	+11.18%
FPUKX	Fidelity Puritan Fund	0.47%	+10.50%	+14.48%	+9.65%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+19.20%	+17.92%	+11.51%
SSFOX	State Street Target Retirement Fund	0.09%	+7.51%	+10.74%	+5.54%
ZABDFX	American Beacon Diversified Fund	—	+10.72%	+12.59%	+9.53%
FAFEX	Fidelity Advisor Freedom 2030 Fund	0.36%	-17.75%	-35.04%	-42.42%
PDARX	Diversified Real Asset Fund	1.23%	+6.65%	+4.23%	+7.01%
IRMGX	Voya Retirement Moderately Aggressive Portfolio	0.59%	+11.07%	+15.38%	+8.85%
FFBRX	Fidelity Freedom Blend 2035 Fund	0.47%	+12.50%	+17.86%	—
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+11.11%	+16.48%	+8.96%
VWIAX	VANGUARD WELLESLEY INCOME FUND	0.16%	+6.15%	+9.67%	+5.22%
PHJEX	Principal LifeTime Hybrid 2040 Fund	0.36%	+16.55%	+16.33%	+11.09%
THPBX	BNY Mellon Balanced Opportunity Fund	0.90%	+10.47%	+12.63%	+8.38%
TCLOX	Nuveen Lifecycle 2040 Fund	0.50%	+9.79%	+13.36%	+8.78%
PRPDX	Permanent Portfolio	1.06%	+21.67%	+19.48%	+13.49%
TAIAX	American Funds Tax-Aware Conservative Growth and Income Portfolio	0.66%	+11.96%	+12.92%	+8.66%
TAALX	Transamerica Asset Allocation - Moderate Growth Portfolio	1.00%	+17.93%	+16.26%	—
VMAIX	Venerable Moderate Allocation Fund	0.89%	—	—	—
DBALX	DAVENPORT BALANCED INCOME FUND	0.93%	+5.16%	+9.60%	+6.93%
QBA2Q	VIP Balanced Portfolio	0.50%	+12.25%	+18.04%	+10.95%
IPARX	VOYA GLOBAL PERSPECTIVES(R) PORTFOLIO	1.08%	+8.95%	+12.14%	+4.37%
FATHX	Fidelity Advisor Freedom 2035 Fund	0.65%	-16.73%	-33.83%	-41.49%
SWYGX	Schwab Target 2040 Index Fund	0.08%	+12.91%	+18.66%	+10.75%

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