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SWTSX · Schwab Total Stock Market Index Fund
Over the last 15 years (2011-09 to 2026-09), $10,000 invested in SWTSX with dividends reinvested grew to $61,164, 12.76% a year, with a worst peak-to-trough fall of -24.92%. Past performance doesn't predict future results.
Growth of $10,000 · 2011-09 to 2026-09 · dividends reinvested
How SWTSX held up in past market crashes
SWTSX has been through 5 of the market crashes since 2000 in our data. Its deepest price fall was 56.4% in the 2008 financial crisis, when the S&P 500 fell 56.5%. It took 3.9 years from the bottom to get back to its high. No fund is safe from losses; past falls do not predict future ones.
| Crash | SWTSX deepest fall | S&P 500 (SPY) | Peak to bottom | Back to peak |
|---|---|---|---|---|
| Dot-com bust | -48.8% | -49.1% | Mar 2000 to Oct 2002 | 4.2 years |
| 2008 financial crisis | -56.4% | -56.5% | Oct 2007 to Mar 2009 | 3.9 years |
| 2018 fourth-quarter selloff | -22.2% | -20.2% | Sep 2018 to Dec 2018 | 6 months |
| 2020 COVID crash | -35.0% | -34.1% | Feb 2020 to Mar 2020 | 5 months |
| 2022 bear market | -25.4% | -25.4% | Jan 2022 to Oct 2022 | 16 months |
Price declines in the fund's listing currency, dividends not included, inside each crash's S&P 500 peak-to-bottom window. See how 50 popular ETFs compare in the crash study.
About SWTSX
Schwab Total Stock Market Index Fund is a diversified mutual fund designed to track the total return of the entire U.S. equity market, as measured by the Dow Jones U.S. Total Stock Market Index. Its core objective is to offer investors broad exposure to large-, mid-, small-, and micro-cap stocks representing all major sectors of the U.S. economy. The fund employs a market-capitalization-weighted approach, ensuring that each company’s representation in the portfolio aligns with its overall size in the market. Key portfolio holdings include leading technology, consumer, healthcare, financial, and industrial firms, among them Apple, Microsoft, NVIDIA, Amazon, and Berkshire Hathaway. Notable features include a notably low expense ratio and minimal turnover, making it attractive for cost-conscious, long-term investors. The fund’s role in the financial market is to serve as a foundational investment vehicle for individuals and institutions seeking efficient, comprehensive U.S. stock market exposure through a single, passively managed product.
Put SWTSX to the test
Every tool below opens prefilled with SWTSX: free, no account needed.
Backtest SWTSX →
Full history, any date range, benchmarks, drawdowns, rolling returns.
Would SWTSX survive 2008? →
What actually happened to it in the crisis: real drawdown and recovery.
Project it forward →
Monte Carlo simulation of where it could go from here.
Compare SWTSX vs VTI →
Head-to-head against the total US market.
Replay $100/mo into SWTSX →
Animated growth of steady monthly contributions.
Fundamentals →
Holdings-level financials where available.
Educational use only, not investment advice. Results are hypothetical.Read full disclaimer
This tool is for educational and informational purposes only and does not provide financial, investment, tax, legal, or accounting advice. Results are hypothetical and based on historical data and assumptions that may be inaccurate. Past performance does not guarantee future results. Consult a licensed professional before making investment decisions.