SWERX

Active

Schwab Target 2040 Fund

Category: Other (5,046 funds)

Expense Ratio

0.49%

Annual Cost per $10K

$49.00

30-Year Fee Drag per $10K

$9,792

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+17.13%

Asset Allocation

US Equity

54%

Intl Equity

28%

US Bond

15%

Intl Bond

Cash

Fee Comparison

SWERX

0.49%

Other average

0.99%

Other cheapest

FCDSX

0.00%

Index benchmark

0.03%

51% cheaper than category average

Historical Returns

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

+60.98%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

SWERX at 0.49%$331,651

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$48,962

Cost vs index fund−$45,773

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
SWERX	Schwab Target 2040 Fund	0.49%	+17.13%	+17.20%	+10.93%
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+14.96%	+20.02%	+11.67%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+13.88%	+18.67%	+10.62%
TCLOX	Nuveen Lifecycle 2040 Fund	0.50%	+9.79%	+13.36%	+8.78%
TLMPX	Nuveen Lifecycle Index 2045 Fund	0.35%	+12.74%	+15.20%	+10.35%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+19.20%	+17.92%	+11.51%
VFIFX	VANGUARD TARGET RETIREMENT 2050 FUND	0.08%	+16.09%	+21.04%	+12.21%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+14.42%	—	—
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
VFFVX	VANGUARD TARGET RETIREMENT 2055 FUND	0.08%	+16.07%	+21.02%	+12.19%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+12.84%	+17.28%	+9.56%
PCGJX	SAM Conservative Growth Portfolio	0.94%	+15.17%	+16.87%	+11.41%
VTTSX	VANGUARD TARGET RETIREMENT 2060 FUND	0.08%	+16.05%	+21.03%	+12.19%
TLLIX	Nuveen Lifecycle Index 2050 Fund	0.18%	+13.36%	+15.81%	+10.82%
FAVPX	Fidelity Freedom Index 2045 Fund	0.05%	+15.70%	—	—
FAVQX	Fidelity Freedom Index 2050 Fund	0.04%	+15.63%	—	—
IDXKX	VOYA INDEX SOLUTION 2040 PORTFOLIO	0.74%	+13.34%	+18.64%	+11.03%
FAVRX	Fidelity Freedom Index 2055 Fund	0.08%	+15.69%	—	—
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
QCSTFX	College Retirement Equities Fund - Stock Account	—	+15.58%	+22.55%	—
LTRDX	Principal LifeTime 2045 Fund	0.86%	+15.28%	+16.29%	+10.94%
FFFFX	Fidelity Freedom 2040 Fund	0.63%	+15.19%	+20.75%	+12.10%
TTIIX	Nuveen Lifecycle Index 2055 Fund	0.25%	+13.51%	+16.01%	+10.99%
TTFIX	Nuveen Lifecycle 2045 Fund	0.68%	+10.73%	+14.58%	+9.87%
FAVUX	Fidelity Freedom Index 2060 Fund	0.08%	+15.70%	—	—
FFNOX	Fidelity Multi-Asset Index Fund	0.11%	+13.40%	+14.96%	+10.03%
VLXVX	VANGUARD TARGET RETIREMENT 2065 FUND	0.08%	+16.03%	+21.03%	+12.20%
SWYGX	Schwab Target 2040 Index Fund	0.08%	+12.91%	+18.66%	+10.75%
FWCGX	Capital World Growth & Income Fund	0.47%	+15.91%	+18.35%	+12.38%
MAGEX	MFS Growth Allocation Fund	1.19%	+9.74%	+11.71%	+8.24%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
PAEBX	Putnam Dynamic Asset Allocation Growth Fund	0.68%	+32.47%	+6.87%	+10.02%
VT	VANGUARD TOTAL WORLD STOCK INDEX FUND	0.06%	+22.33%	+21.23%	+14.51%
YACKX	AMG Yacktman Fund$1M min	0.62%	+8.31%	+15.32%	+12.76%
SWYHX	Schwab Target 2045 Index Fund	0.08%	+13.80%	+19.75%	+11.60%
PHJYX	Principal LifeTime Hybrid 2045 Fund	0.34%	+17.90%	+17.50%	+12.10%
QCGLFX	College Retirement Equities Fund - Global Equities Account	—	+16.85%	+24.08%	—
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
TVIIX	Nuveen Lifecycle Index 2060 Fund	0.10%	+13.62%	+16.19%	+11.13%
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+11.22%	+16.94%	+9.15%
TAALX	Transamerica Asset Allocation - Moderate Growth Portfolio	1.00%	+17.93%	+16.26%	—
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+11.70%	+15.93%	+8.50%
ISJAX	VOYA INDEX SOLUTION 2045 PORTFOLIO	0.22%	+14.55%	+19.91%	+12.01%
FNNEX	New Economy Fund	0.47%	+19.36%	+21.34%	+11.35%
PHJEX	Principal LifeTime Hybrid 2040 Fund	0.36%	+16.55%	+16.33%	+11.09%
PFLJX	Principal LifeTime 2050 Fund	0.88%	+16.21%	+17.21%	+11.63%
TSGGX	Nuveen Lifestyle Growth Fund	0.92%	+10.10%	+14.02%	+8.79%
FAVVX	Fidelity Freedom Index 2065 Fund	0.08%	+15.69%	—	—
FFFGX	Fidelity Freedom 2045 Fund	0.65%	+16.47%	+21.75%	+12.60%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
FMQRX	Franklin Mutual Quest Fund	0.72%	+10.72%	+14.86%	+10.04%
ACWI	iShares MSCI ACWI ETF	0.32%	+22.76%	+21.69%	+14.63%
FFFHX	Fidelity Freedom 2050 Fund	0.65%	+16.45%	+21.73%	+12.58%
OWLSX	Old Westbury Large Cap Strategies Fund	1.09%	+19.20%	+19.95%	+11.94%
TGAFX	T. Rowe Price Global Allocation Fund	0.82%	+13.22%	+13.63%	+8.27%
EXHAX	Pro-Blend Maximum Term Series	0.70%	+10.46%	+14.03%	+9.62%
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+12.16%	—	—
ISEAX	VOYA INDEX SOLUTION 2035 PORTFOLIO	0.62%	+11.79%	+16.80%	+9.52%
SWG1Z	Schwab VIT Growth Portfolio	0.55%	+12.79%	+17.96%	+10.17%
TCLPX	Nuveen Lifecycle 2050 Fund	0.69%	+10.95%	+14.86%	+10.00%
SWYMX	Schwab Target 2050 Index Fund	0.08%	+14.43%	+20.49%	+12.12%
FFBTX	Fidelity Freedom Blend 2040 Fund	0.47%	+14.75%	+20.55%	—
FLPCX	Fidelity Low-Priced Stock Fund	1.40%	-13.83%	—	—
VGHAX	VANGUARD HEALTH CARE FUND	0.32%	+0.60%	+5.36%	+6.99%
FCTKX	Fidelity Freedom 2055 Fund	0.45%	+16.71%	+22.03%	+12.89%
SWMRX	Schwab Target 2045 Fund	0.52%	+18.25%	+18.14%	+11.71%
VSVNX	VANGUARD TARGET RETIREMENT 2070 FUND	0.08%	+15.98%	+21.03%	—
MLFAX	MFS Lifetime 2040 Fund	0.81%	+13.28%	+14.80%	+11.11%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
JAFVX	Strategic Equity Allocation Trust	0.92%	+15.28%	+22.36%	+13.78%
AGGPX	MFS Aggressive Growth Allocation Fund	0.69%	+10.90%	+13.58%	—
PDARX	Diversified Real Asset Fund	1.23%	+6.65%	+4.23%	+7.01%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
AXBAX	Columbia Capital Allocation Aggressive Portfolio	1.03%	+19.92%	+18.54%	+12.03%
TRGLX	T. Rowe Price Global Stock Fund	0.66%	+24.68%	+22.82%	+11.64%
PRJAX	PGIM Jennison Global Opportunities Fund	1.08%	+11.79%	+23.36%	+8.56%
FAFFX	Fidelity Advisor Freedom 2040 Fund	0.63%	-15.09%	-32.33%	-40.56%
FDKVX	Fidelity Freedom 2060 Fund	0.45%	+16.47%	+21.72%	+12.60%
VHGEX	VANGUARD GLOBAL EQUITY FUND	0.39%	+16.31%	+22.37%	+11.24%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
GGPPX	Goldman Sachs Growth Strategy Portfolio	0.51%	+13.93%	+19.01%	+11.24%
CGGEX	American Funds Global Growth Portfolio	1.07%	+22.40%	+21.16%	+11.42%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
ASRAX	Invesco Global Real Estate Income Fund	1.26%	-0.49%	+3.03%	+3.36%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+8.77%	+14.58%	+7.82%
GGMBX	Goldman Sachs Global Managed Beta Fund$1M min	0.37%	+13.82%	+15.96%	+11.60%
FLKSX	Fidelity Low-Priced Stock K6 Fund	0.50%	+9.64%	+12.18%	+14.14%
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+11.11%	+16.48%	+8.96%
TTRIX	Nuveen Lifecycle 2055 Fund	0.45%	+11.24%	+15.20%	+10.30%
SWYFX	Schwab Target 2035 Index Fund	0.08%	+11.78%	+17.31%	+9.77%
LTMAX	MFS Lifetime 2045 Fund	0.81%	+13.74%	+15.33%	+11.73%
SWYJX	Schwab Target 2055 Index Fund	0.08%	+14.70%	+20.85%	+12.43%
FFBRX	Fidelity Freedom Blend 2035 Fund	0.47%	+12.50%	+17.86%	—
TFIPX	Nuveen Lifecycle Index 2065 Fund	0.25%	+13.61%	+16.24%	+11.87%
SWIRX	Schwab Target 2035 Fund	0.45%	+15.99%	+16.08%	+10.00%
DGEIX	GLOBAL EQUITY PORTFOLIO$1M min	0.26%	+18.43%	+19.10%	+15.44%
FFBUX	Fidelity Freedom Blend 2045 Fund	0.27%	+15.94%	+21.45%	—
RGTTX	Aggressive Strategy Fund	0.89%	—	—	—
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
LGMNX	Loomis Sayles Global Allocation Fund	0.82%	+7.75%	+18.31%	+7.67%

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