Schwab Target 2045 Index Fund (SWYHX)
| Fund Assets | 954.56M |
| Expense Ratio | 0.08% |
| Min. Investment | $0.00 |
| Turnover | 14.00% |
| Dividend (ttm) | 0.44 |
| Dividend Yield | 2.01% |
| Dividend Growth | 13.66% |
| Payout Frequency | Annual |
| Ex-Dividend Date | Dec 30, 2025 |
| Previous Close | 21.85 |
| YTD Return | 3.49% |
| 1-Year Return | 18.82% |
| 5-Year Return | 54.15% |
| 52-Week Low | 16.06 |
| 52-Week High | 22.08 |
| Beta (5Y) | n/a |
| Holdings | 9 |
| Inception Date | Aug 25, 2016 |
About SWYHX
Schwab Target 2045 Index Fund is a **target-date mutual fund** designed to provide investors with a diversified, all-in-one portfolio solution as they approach retirement around the year 2045. The fund’s primary function is to offer investors a professionally managed blend of assets that automatically adjusts its allocation over time—typically becoming more conservative as the target retirement date draws near. The portfolio invests primarily in Schwab exchange-traded funds (ETFs) representing various asset classes, including large-cap U.S. stocks, international equities, bonds, real estate investment trusts (REITs), and cash equivalents. As of July 2025, approximately **85% of the portfolio is allocated to equities** and about 14% to bonds, reflecting a growth-oriented approach suitable for investors decades away from retirement. The fund passively tracks a composite benchmark and maintains a low expense ratio, making it a cost-effective vehicle for long-term retirement planning. Notable for its broad diversification—spanning U.S. and global markets—and automatic rebalancing, Schwab Target 2045 Index Fund plays a significant role in the **target-date fund market**, providing a one-stop investment solution tailored to evolving retirement timelines.
Performance
SWYHX had a total return of 18.82% in the past year, including dividends. Since the fund's inception, the average annual return has been 13.09%.
Top Holdings
| Name | Symbol | Weight |
|---|---|---|
| Schwab U.S. Large-Cap ETF | SCHX | 48.21% |
| Schwab International Equity ETF | SCHF | 21.37% |
| Schwab US Aggregate Bond ETF | SCHZ | 13.73% |
| Schwab U.S. REIT ETF | SCHH | 5.26% |
| Schwab U.S. Small-Cap ETF | SCHA | 5.11% |
| Schwab Emerging Markets Equity ETF | SCHE | 4.97% |
| Usd | n/a | 0.72% |
| Schwab Short-Term US Treasury ETF | SCHO | 0.49% |
| Schwab Government Money Market Fund | SGUXX | 0.15% |
Dividend History
| Ex-Dividend | Amount | Pay Date |
|---|---|---|
| Dec 30, 2025 | $0.441 | Dec 30, 2025 |
| Dec 30, 2024 | $0.388 | Dec 30, 2024 |
| Dec 28, 2023 | $0.3312 | Dec 28, 2023 |
| Dec 29, 2022 | $0.2742 | Dec 29, 2022 |
| Dec 30, 2021 | $0.3084 | Dec 30, 2021 |
| Dec 30, 2020 | $0.3508 | Dec 30, 2020 |