About SWYFX
Schwab Target 2035 Index Fund Institutional Shares is a passively managed mutual fund designed to help investors accumulate wealth in preparation for retirement around the year 2035. Structured as a target-date fund, its asset allocation automatically shifts over time, incrementally reducing equity exposure and increasing bond holdings as the designated retirement year approaches. The fund primarily invests in a diversified portfolio of affiliated Schwab exchange-traded funds (ETFs) that track broad market indices, including U.S. large-cap equities, aggregate U.S. bonds, international equities, real estate, small-cap stocks, emerging markets, and short-term U.S. Treasuries.
As of July 2025, the portfolio allocates approximately 70% to stocks and 29% to bonds, with a small percentage held in cash investments. The fund’s expense ratio is notably low at 0.08%, contributing to its cost efficiency and appeal among long-term retirement savers. Designed for investors seeking capital appreciation and income that aligns with their retirement timeline, this fund plays a key role in the target-date category, providing an easy, diversified, and maintenance-free approach to investing for retirement.
Fund Family Schwab
Category Target-Date 2035
Performance Rating Above Average
Risk Rating Average
Stock Exchange NASDAQ
Ticker Symbol SWYFX
Index Dow Jones US Total Stock Market TR
SWYFX had a total return of 16.49% in the past year, including dividends. Since the fund's
inception, the average annual return has been 11.73%.
