SWIRX

About SWIRX

Schwab Target 2035 Fund is a target-date mutual fund designed to provide capital appreciation and current income for individuals planning to begin gradual withdrawals around the year 2035. Its primary function is to deliver a diversified investment portfolio that automatically shifts from higher-risk growth assets toward a more conservative allocation as the target retirement year approaches. The fund invests primarily in a mix of other affiliated Schwab Funds, offering exposure to a wide variety of asset classes including U.S. and international equities, fixed income securities, and real estate. Notable features include its dynamic asset allocation, professional management, and broad diversification, with approximately 70% in equities and 30% in bonds and cash as of mid-2025. This structure seeks to balance growth potential with risk management tailored to investors' changing needs over time. The Schwab Target 2035 Fund plays a significant role in the market for retirement planning solutions by offering a convenient, all-in-one option for investors seeking to align their investment strategy with a specific retirement timeline.