BAPCX vs SWYLX

Both BAPCX and SWYLX are mutual funds. BAPCX has a higher 5-year return than SWYLX (5.18% vs 4.98%). Below is the comparison between BAPCX and SWYLX.

BAPCX SWYLX
Security Type Mutual fund Mutual fund
Segment U.S. Balanced: Target-Date 2020 U.S. Balanced: Target-Date 2020
Family BlackRock Schwab Funds
Net Assets N/A $273.80M
Expense Ratio N/A 0.03%
Management Style active active
Dividend Yield N/A 2.10%
Minimum Investment $1,000.00 $1,000.00
YTD Return 14.35% -11.42%
1-Year Return 2.34% -6.78%
3-Year Return 7.69% 4.77%
5-Year Return 5.18% 4.98%
10-Year Return 7.37% N/A

BAPCX

BAPCX description

BAPCX performance & returns

YTD Return 14.35%
1-Month Return 0.83%
3-Month Return 2.34%
1-Year Return 2.34%
3-Year Return 7.69%
5-Year Return 5.18%
10-Year Return 7.37%
BAPCX expense ratio is N/A.

BAPCX holdings

Top 10 Holdings (83.85% of Total Assets)

Name Symbol % Assets
iShares US Treasury Bond ETF GOVT 21.10%
iShares Edge Investment Grade Enh Bd ETF IGEB 15.88%
BlackRock Total Factor K BSTKX 9.68%
iShares TIPS Bond ETF TIP 7.89%
iShares Edge MSCI Min Vol USA ETF USMV 6.87%
iShares Edge MSCI USA Quality Factor ETF QUAL 6.36%
iShares Edge High Yield Defensive Bd ETF HYDB 5.34%
iShares Edge MSCI USA Value Factor ETF VLUE 4.38%
Future on Master Small Cap Index N/A 3.81%
iShares Edge MSCI USA Momentum Fctr ETF MTUM 2.54%

BAPCX pros

None that we could think of.

BAPCX cons

The following are BAPCX weaknesses from our perspective:

  • BAPCX net assets are $0.00 million. This fund is not a popular choice with retail investors.
  • Warning: this fund has a 12b1 and front-end sales fee. The maximum 12b1 fee is 0.25%, while the maximum front-end sales load is 5.25%. A 12b-1 fee is an annual marketing or distribution fee on a mutual fund. Front-end sales load, also known as sales charge, is a fee paid when mutual funds shares are purchased. Those fees are subtracted from your total investable assets.

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SWYLX

SWYLX description

The Fund seeks to provide capital appreciation and income consistent with its current asset allocation. The Fund invests in the underlying funds in accordance with its target portfolio allocation. These underlying funds invest their assets directly in equity, fixed income, cash and cash equivalents.

SWYLX performance & returns

YTD Return -11.42%
1-Month Return -5.17%
3-Month Return -6.78%
1-Year Return -6.78%
3-Year Return 4.77%
5-Year Return 4.98%
10-Year Return N/A
SWYLX expense ratio is 0.03%.

SWYLX holdings

Top 10 Holdings (98.92% of Total Assets)

Name Symbol % Assets
Schwab US Aggregate Bond ETF™ SCHZ 42.28%
Schwab US Large-Cap ETF™ SCHX 24.75%
Schwab International Equity ETF™ SCHF 11.28%
Schwab Short-Term US Treasury ETF™ SCHO 7.97%
Schwab US TIPS ETF™ SCHP 6.00%
Schwab Variable Share Price Money Ultra SVUXX 3.00%
Schwab US REIT ETF™ SCHH 1.96%
Schwab US Small-Cap ETF™ SCHA 1.68%

SWYLX pros

The following are SWYLX strengths from our perspective:

  • SWYLX expense ratio is 0.03%, which is considered low. Nice job picking a low-cost fund.
  • Good news: this fund does not have 12b1, front-end or back-end sales fees.

SWYLX cons

The following are SWYLX weaknesses from our perspective:

  • SWYLX net assets are $273.80 million. This fund is not a popular choice with retail investors.
  • SWYLX 3-year return is 4.77%, which is lower than the 3-year return of the benchmark index (Morningstar Moderate Target Risk TR USD), 5.84%.
  • SWYLX 5-year return is 4.98%, which is lower than the 5-year return of the benchmark index (Morningstar Moderate Target Risk TR USD), 5.84%.

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