SWIRX

Active

Schwab Target 2035 Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.45%

Annual Cost per $10K

$45.00

30-Year Fee Drag per $10K

$9,041

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+15.99%

Asset Allocation

US Equity

57%

Intl Equity

17%

US Bond

21%

Intl Bond

Cash

Fee Comparison

SWIRX

0.45%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

47% cheaper than category average

Historical Returns

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

+56.40%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

SWIRX at 0.45%$335,408

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$45,205

Cost vs index fund−$42,016

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
SWIRX	Schwab Target 2035 Fund	0.45%	+15.99%	+16.08%	+10.00%
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+11.11%	+16.48%	+8.96%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+12.05%	+11.50%	+7.31%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+13.88%	+18.67%	+10.62%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+11.22%	+16.94%	+9.15%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+12.84%	+17.28%	+9.56%
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
TRAIX	T. Rowe Price Capital Appreciation Fund	0.58%	+10.50%	+16.19%	+11.63%
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+14.96%	+20.02%	+11.67%
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
TCLOX	Nuveen Lifecycle 2040 Fund	0.50%	+9.79%	+13.36%	+8.78%
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
AAFTX	American Funds 2035 Target Date Retirement Fund	0.67%	+15.82%	+15.87%	+10.58%
CIPAX	American Funds Conservative Growth and Income Portfolio	0.88%	+11.79%	+11.52%	+8.53%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
MACBX	MFS Conservative Allocation Fund	0.83%	+5.79%	+6.88%	+3.65%
TLMPX	Nuveen Lifecycle Index 2045 Fund	0.35%	+12.74%	+15.20%	+10.35%
TAALX	Transamerica Asset Allocation - Moderate Growth Portfolio	1.00%	+17.93%	+16.26%	—
CAIBX	Capital Income Builder	0.58%	+15.51%	+14.04%	+11.04%
PAEBX	Putnam Dynamic Asset Allocation Growth Fund	0.68%	+32.47%	+6.87%	+10.02%
VBIAX	VANGUARD BALANCED INDEX FUND	0.07%	+11.99%	+16.38%	+9.22%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+11.70%	+15.93%	+8.50%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+8.77%	+14.58%	+7.82%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+19.20%	+17.92%	+11.51%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+14.42%	—	—
ISEAX	VOYA INDEX SOLUTION 2035 PORTFOLIO	0.62%	+11.79%	+16.80%	+9.52%
FTCFX	American Funds College 2033 Fund	0.39%	+12.98%	+13.82%	+8.49%
AABTX	American Funds 2015 Target Date Retirement Fund	0.61%	+11.19%	+10.71%	+6.94%
MSFKX	MFS Total Return Fund	0.40%	+6.74%	+12.13%	+8.11%
SWYGX	Schwab Target 2040 Index Fund	0.08%	+12.91%	+18.66%	+10.75%
PPIPX	T. Rowe Price Spectrum Conservative Allocation Fund	0.56%	+7.96%	+9.01%	+5.30%
IRGPX	Voya Retirement Aggressive Portfolio	0.60%	+12.78%	+18.05%	+10.61%
PHJEX	Principal LifeTime Hybrid 2040 Fund	0.36%	+16.55%	+16.33%	+11.09%
VFIFX	VANGUARD TARGET RETIREMENT 2050 FUND	0.08%	+16.09%	+21.04%	+12.21%
ISPCX	VOYA SOLUTION 2035 PORTFOLIO	1.24%	+11.34%	+16.77%	+9.51%
PCGJX	SAM Conservative Growth Portfolio	0.94%	+15.17%	+16.87%	+11.41%
LLMSX	Franklin Multi-Asset Moderate Growth Fund	0.70%	—	—	—
MLTAX	MFS Lifetime 2030 Fund	0.48%	+9.58%	+10.80%	+7.31%
SWYFX	Schwab Target 2035 Index Fund	0.08%	+11.78%	+17.31%	+9.77%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
VFFVX	VANGUARD TARGET RETIREMENT 2055 FUND	0.08%	+16.07%	+21.02%	+12.19%
AXBAX	Columbia Capital Allocation Aggressive Portfolio	1.03%	+19.92%	+18.54%	+12.03%
PCBKX	Victory Pioneer Balanced Fund	0.63%	—	—	—
TPPAX	T. Rowe Price Spectrum Moderate Allocation Fund	0.62%	+9.14%	+11.03%	+6.76%
ITCSX	VY(R) T. ROWE PRICE CAPITAL APPRECIATION PORTFOLIO	0.65%	+10.16%	+15.83%	+11.18%
TLLIX	Nuveen Lifecycle Index 2050 Fund	0.18%	+13.36%	+15.81%	+10.82%
QAAGRX	T. Rowe Price Moderate Allocation Portfolio	0.86%	+9.78%	+14.69%	+7.13%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+12.16%	—	—
SWERX	Schwab Target 2040 Fund	0.49%	+17.13%	+17.20%	+10.93%
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
MAGEX	MFS Growth Allocation Fund	1.19%	+9.74%	+11.71%	+8.24%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
HADAX	HARTFORD BALANCED HLS FUND	0.66%	+7.24%	+13.79%	+9.50%
PODAX	Aristotle Portfolio Optimization Growth Fund	1.09%	+11.96%	—	—
IDXKX	VOYA INDEX SOLUTION 2040 PORTFOLIO	0.74%	+13.34%	+18.64%	+11.03%
FBFWX	American Funds Retirement Income Portfolio - Moderate	1.24%	+12.91%	+11.91%	+8.18%
OAZBX	Oakmark Equity and Income Fund	0.56%	+7.65%	+14.06%	—
VTTSX	VANGUARD TARGET RETIREMENT 2060 FUND	0.08%	+16.05%	+21.03%	+12.19%
IAGAX	VOYA SOLUTION MODERATELY AGGRESSIVE PORTFOLIO	0.74%	+12.19%	+17.50%	+10.70%
TGAFX	T. Rowe Price Global Allocation Fund	0.82%	+13.22%	+13.63%	+8.27%
TTFIX	Nuveen Lifecycle 2045 Fund	0.68%	+10.73%	+14.58%	+9.87%
IRMGX	Voya Retirement Moderately Aggressive Portfolio	0.59%	+11.07%	+15.38%	+8.85%
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
PCGQX	PGIM Income Builder Fund	0.70%	+12.36%	+13.59%	+9.00%
FNNEX	New Economy Fund	0.47%	+19.36%	+21.34%	+11.35%
LTRDX	Principal LifeTime 2045 Fund	0.86%	+15.28%	+16.29%	+10.94%
SWHGX	Schwab MarketTrack Growth Portfolio	0.50%	+16.79%	+16.19%	+12.22%
FAVPX	Fidelity Freedom Index 2045 Fund	0.05%	+15.70%	—	—
VGHAX	VANGUARD HEALTH CARE FUND	0.32%	+0.60%	+5.36%	+6.99%
TTIIX	Nuveen Lifecycle Index 2055 Fund	0.25%	+13.51%	+16.01%	+10.99%
RAGIX	ALPS Asset Allocation Growth & Income	0.72%	-33.78%	-39.60%	-43.11%
FAVQX	Fidelity Freedom Index 2050 Fund	0.04%	+15.63%	—	—
FCFWX	American Funds Retirement Income Portfolio - Enhanced	1.14%	+14.79%	+14.11%	+10.22%
POCAX	Aristotle Portfolio Optimization Moderate Fund	1.12%	+10.44%	—	—
JBAWX	Balanced Fund	0.62%	+17.64%	+16.24%	+10.38%
YACKX	AMG Yacktman Fund$1M min	0.62%	+8.31%	+15.32%	+12.76%
JABLX	Janus Henderson Balanced Portfolio$1M min	0.87%	+13.29%	+16.75%	+9.62%
CGLGX	American Funds Growth and Income Portfolio	0.92%	+18.14%	+18.35%	+12.44%
FIQWX	Fidelity Strategic Dividend and Income Fund	0.56%	+7.94%	+10.11%	+9.25%
REMIX	STANDPOINT MULTI-ASSET FUND	1.26%	+3.16%	+5.76%	+11.21%
FAVRX	Fidelity Freedom Index 2055 Fund	0.08%	+15.69%	—	—
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
AADAX	Invesco Select Risk: Growth Investor Fund	1.71%	+11.80%	+14.89%	+8.23%
SWOBX	Schwab Balanced Fund	0.51%	+14.26%	+15.03%	+8.85%
AAGTX	American Funds 2040 Target Date Retirement Fund	0.68%	+18.44%	+18.13%	+12.03%
SWDRX	Schwab Target 2030 Fund	0.40%	+14.41%	+14.62%	+8.82%
CAMRX	Calvert Moderate Allocation Fund	0.67%	+8.07%	+13.74%	—
LFEAX	MFS Lifetime 2035 Fund	1.52%	+11.68%	+13.11%	+9.75%
AAATX	American Funds 2010 Target Date Retirement Fund	0.59%	+10.80%	+10.21%	+6.55%
CBARX	Calvert Balanced Fund	0.61%	+10.47%	+16.78%	+9.82%
TRND	Pacer Trendpilot Fund of Funds ETF	0.77%	+6.28%	+10.91%	+8.25%
LTAOX	Principal LifeTime 2035 Fund	0.56%	+12.56%	+13.48%	+8.64%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
SWYHX	Schwab Target 2045 Index Fund	0.08%	+13.80%	+19.75%	+11.60%
FFFFX	Fidelity Freedom 2040 Fund	0.63%	+15.19%	+20.75%	+12.10%
TGIPX	T. Rowe Price Spectrum Moderate Growth Allocation Fund	0.64%	+10.57%	+13.30%	+8.45%

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