SWYGX

Index

Schwab Target 2040 Index Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.08%

Annual Cost per $10K

$8.00

30-Year Fee Drag per $10K

$1,689

at 7% annual return

Fund Type

Mutual Fund

Index

Trailing 12-Month

+15.93%

Asset Allocation

US Equity

54%

Intl Equity

26%

US Bond

19%

Intl Bond

Cash

Fee Comparison

SWYGX

0.08%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

91% cheaper than category average

Historical Returns

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

+59.54%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

SWYGX at 0.08%$372,168

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$8,445

Cost vs index fund−$5,257

Similar Funds (100)

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

Ticker	Name	ER	1yr	3yr	5yr
SWYGX	Schwab Target 2040 Index Fund	0.08%	+15.93%	+16.85%	+11.25%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+17.33%	+17.14%	+11.19%
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+18.60%	+18.32%	+12.30%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+16.09%	+15.94%	+10.07%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+18.15%	—	—
TLMPX	Nuveen Lifecycle Index 2045 Fund	0.35%	+12.74%	+15.20%	+10.35%
TCLOX	Nuveen Lifecycle 2040 Fund	0.50%	+9.79%	+13.36%	+8.78%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+19.20%	+17.92%	+11.51%
VFIFX	VANGUARD TARGET RETIREMENT 2050 FUND	0.08%	+19.94%	+19.27%	+12.86%
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
VFFVX	VANGUARD TARGET RETIREMENT 2055 FUND	0.08%	+19.92%	+19.25%	+12.86%
FAVPX	Fidelity Freedom Index 2045 Fund	0.05%	+19.64%	—	—
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+14.42%	+15.72%	+9.60%
FAVQX	Fidelity Freedom Index 2050 Fund	0.04%	+19.62%	—	—
TLLIX	Nuveen Lifecycle Index 2050 Fund	0.18%	+13.36%	+15.81%	+10.82%
VTTSX	VANGUARD TARGET RETIREMENT 2060 FUND	0.08%	+19.88%	+19.25%	+12.85%
SWERX	Schwab Target 2040 Fund	0.49%	+17.13%	+17.20%	+10.93%
FAVRX	Fidelity Freedom Index 2055 Fund	0.08%	+19.71%	—	—
PHJEX	Principal LifeTime Hybrid 2040 Fund	0.36%	+16.55%	+16.33%	+11.09%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+14.80%	+14.74%	+8.95%
PCGJX	SAM Conservative Growth Portfolio	0.94%	+15.17%	+16.87%	+11.41%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
QCSTFX	College Retirement Equities Fund - Stock Account	—	+18.92%	+20.20%	—
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
FFFFX	Fidelity Freedom 2040 Fund	0.63%	+19.81%	+19.27%	+12.78%
TTIIX	Nuveen Lifecycle Index 2055 Fund	0.25%	+13.51%	+16.01%	+10.99%
IDXKX	VOYA INDEX SOLUTION 2040 PORTFOLIO	0.74%	+16.81%	+16.78%	+11.16%
FAVUX	Fidelity Freedom Index 2060 Fund	0.08%	+19.67%	—	—
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+15.63%	—	—
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
ISEAX	VOYA INDEX SOLUTION 2035 PORTFOLIO	0.62%	+15.08%	+15.24%	+9.63%
PAEBX	Putnam Dynamic Asset Allocation Growth Fund	0.68%	+32.47%	+6.87%	+10.02%
SWYHX	Schwab Target 2045 Index Fund	0.08%	+16.90%	+17.82%	+12.13%
FFNOX	Fidelity Multi-Asset Index Fund	0.11%	+13.40%	+14.96%	+10.03%
VLXVX	VANGUARD TARGET RETIREMENT 2065 FUND	0.08%	+19.85%	+19.25%	+12.87%
LTRDX	Principal LifeTime 2045 Fund	0.86%	+15.28%	+16.29%	+10.94%
TTFIX	Nuveen Lifecycle 2045 Fund	0.68%	+10.73%	+14.58%	+9.87%
SWYFX	Schwab Target 2035 Index Fund	0.08%	+14.76%	+15.70%	+10.25%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
TAALX	Transamerica Asset Allocation - Moderate Growth Portfolio	1.00%	+17.93%	+16.26%	—
VT	VANGUARD TOTAL WORLD STOCK INDEX FUND	0.06%	+22.33%	+21.23%	+14.51%
FWCGX	Capital World Growth & Income Fund	0.47%	+15.91%	+18.35%	+12.38%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+12.62%	+13.37%	+8.38%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
PHJYX	Principal LifeTime Hybrid 2045 Fund	0.34%	+17.90%	+17.50%	+12.10%
YACKX	AMG Yacktman Fund$1M min	0.62%	+15.37%	+13.06%	+13.89%
TVIIX	Nuveen Lifecycle Index 2060 Fund	0.10%	+13.62%	+16.19%	+11.13%
MAGEX	MFS Growth Allocation Fund	1.19%	+9.74%	+11.71%	+8.24%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
ISJAX	VOYA INDEX SOLUTION 2045 PORTFOLIO	0.22%	+18.16%	+17.95%	+12.18%
FNNEX	New Economy Fund	0.47%	+19.36%	+21.34%	+11.35%
QCGLFX	College Retirement Equities Fund - Global Equities Account	—	+19.54%	+21.44%	—
FAVVX	Fidelity Freedom Index 2065 Fund	0.08%	+19.74%	—	—
FMQRX	Franklin Mutual Quest Fund	0.72%	+16.75%	+13.02%	+10.98%
SWIRX	Schwab Target 2035 Fund	0.45%	+15.99%	+16.08%	+10.00%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+12.05%	+11.50%	+7.31%
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+14.50%	+17.97%	+8.43%
TSGGX	Nuveen Lifestyle Growth Fund	0.92%	+10.10%	+14.02%	+8.79%
ACWI	iShares MSCI ACWI ETF	0.32%	+22.76%	+21.69%	+14.63%
VGHAX	VANGUARD HEALTH CARE FUND	0.32%	+0.60%	+5.36%	+6.99%
TGAFX	T. Rowe Price Global Allocation Fund	0.82%	+13.22%	+13.63%	+8.27%
FFFGX	Fidelity Freedom 2045 Fund	0.65%	+21.36%	+20.25%	+13.36%
SWYMX	Schwab Target 2050 Index Fund	0.08%	+17.58%	+18.45%	+12.68%
FFFHX	Fidelity Freedom 2050 Fund	0.65%	+21.40%	+20.26%	+13.34%
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
AAFTX	American Funds 2035 Target Date Retirement Fund	0.67%	+15.82%	+15.87%	+10.58%
MSFKX	MFS Total Return Fund	0.40%	+8.99%	+10.63%	+8.56%
PFLJX	Principal LifeTime 2050 Fund	0.88%	+16.21%	+17.21%	+11.63%
PDARX	Diversified Real Asset Fund	1.23%	+6.65%	+4.23%	+7.01%
FFFEX	Fidelity Freedom 2030 Fund	0.61%	+15.35%	+14.88%	+8.92%
FFBRX	Fidelity Freedom Blend 2035 Fund	0.47%	+16.53%	+16.68%	—
SSCQX	State Street Target Retirement 2040 Fund	0.09%	+17.40%	+16.78%	+10.39%
FFBTX	Fidelity Freedom Blend 2040 Fund	0.47%	+19.28%	+19.05%	—
OWLSX	Old Westbury Large Cap Strategies Fund	1.09%	+19.20%	+19.95%	+11.94%
SSBYX	State Street Target Retirement 2030 Fund	0.09%	+14.51%	+14.55%	+8.75%
TCLPX	Nuveen Lifecycle 2050 Fund	0.69%	+10.95%	+14.86%	+10.00%
FCTKX	Fidelity Freedom 2055 Fund	0.45%	+21.68%	+20.59%	+13.65%
AXBAX	Columbia Capital Allocation Aggressive Portfolio	1.03%	+19.92%	+18.54%	+12.03%
LTAOX	Principal LifeTime 2035 Fund	0.56%	+12.56%	+13.48%	+8.64%
EXHAX	Pro-Blend Maximum Term Series	0.70%	+10.46%	+14.03%	+9.62%
SWG1Z	Schwab VIT Growth Portfolio	0.55%	+16.12%	+16.36%	+10.67%
FAUYX	Fidelity Freedom Index 2030 Fund	0.05%	+14.06%	—	—
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
MACBX	MFS Conservative Allocation Fund	0.83%	+5.79%	+6.88%	+3.65%
VSVNX	VANGUARD TARGET RETIREMENT 2070 FUND	0.08%	+19.82%	+19.26%	—
EAAFX	Allspring Asset Allocation Fund	0.75%	+14.98%	+14.21%	+7.56%
GGSPX	Goldman Sachs Growth and Income Strategy Portfolio	0.55%	+14.63%	+14.38%	+9.22%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
VHGEX	VANGUARD GLOBAL EQUITY FUND	0.39%	+20.18%	+20.78%	+11.89%
MLFAX	MFS Lifetime 2040 Fund	0.81%	+13.28%	+14.80%	+11.11%
FAFFX	Fidelity Advisor Freedom 2040 Fund	0.63%	-6.32%	-31.84%	-39.51%
SWMRX	Schwab Target 2045 Fund	0.52%	+18.25%	+18.14%	+11.71%
LLMSX	Franklin Multi-Asset Moderate Growth Fund	0.70%	—	—	—
CAMRX	Calvert Moderate Allocation Fund	0.67%	+11.26%	+12.57%	—
TPPAX	T. Rowe Price Spectrum Moderate Allocation Fund	0.62%	+9.14%	+11.03%	+6.76%
VGWAX	VANGUARD GLOBAL WELLINGTON FUND	0.43%	+7.32%	+11.22%	+8.54%
JAFVX	Strategic Equity Allocation Trust	0.92%	+19.27%	+19.74%	+14.58%

Analyze Your Full Portfolio

See your blended expense ratio, aggregate asset allocation, and total fee drag across all your holdings.

Get Started Free