What if you invested in Charles Schwab in 2020?
SCHW · Financial · Data through 2026-06-01
If you invested $1,000 in Charles Schwab in 2020
The same $1,000 in the S&P 500 would be worth $2,540(+154%)
The S&P 500 returned $2,540 on the same $1,000. S&P 500 outperformed by $323.
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Compare Charles Schwab to another stock
See how Charles Schwab stacks up since 2020, head to head.
What if Charles Schwab keeps this up?
Project forward at Charles Schwab's 12.9% historical growth rate. See 5-30 year scenarios.
Growth of $1,000
Charles Schwab vs. S&P 500 vs. US Dollar, 2020 to present
Year-by-Year Returns
$1,000 invested in Charles Schwab starting January 2020
| Year | Price | Value | Annual |
|---|---|---|---|
| 2020 | $41.61 | $1,000 | - |
| 2021 | $47.95 | $1,152 | +15.2% |
| 2022 | $82.45 | $1,981 | +72% |
| 2023 | $73.60 | $1,769 | -10.7% |
| 2024 | $60.83 | $1,462 | -17.4% |
| 2025 | $81.15 | $1,950 | +33.4% |
| 2026 | $103.20 | $2,480 | +27.2% |
What this return means
$1,000 invested in Charles Schwab (SCHW) in 2020 is worth $2,217 today. That is a +121.7% gain, a little over 2.2x your money, measured to 2026-06-01.
That is about 12.9% a year compounded, broadly in line with long-run stock market averages. The same $1,000 in an S&P 500 index fund would be about $2,540 over the identical span, so the index came out ahead by roughly $323. The index compounded at about 15.2% a year, a reminder that a single stock can lag a basket of them.
Getting here meant sitting through real volatility. The best single year was 2022 at +72.0%, and the worst was 2024 at -17.4%. At its lowest point the position was down about 26% from an earlier high. These figures use split-adjusted closing prices and exclude dividends, taxes, trading fees, and inflation, so a real after-tax result would differ.
This is historical math, not financial advice. Past performance does not guarantee future results.
What if you invested $100 a month instead?
Most people do not drop a lump sum in on day one. They add a fixed amount every month. Putting $100 into Charles Schwab at the close of every month from January 2020 through June 2026 means 78 buys and $7,800 contributed over about 6.5 years.
$100/month, dollar-cost averaged
$11,765
+50.8% on $7,800 in
Same $7,800, all in at the start
$17,296
+121.7% on $7,800 in
Going all in at the start beat spreading the buys out by $5,531. That is the usual result when a stock trends up: each monthly buy pays a higher price than the last, so the average cost climbs. Averaging in also meant an average buy price of $61.17 per share across the whole stretch, so the monthly buyer never had to time a single low. Neither number counts dividends, taxes, or trading costs.
Illustrative fixed $100/month example, not a recommendation. Figures are computed from SCHW split-adjusted monthly closes through June 2026. Past performance does not guarantee future results.
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For informational and educational purposes only. Not financial advice. Past performance does not guarantee future results. All calculations are based on split-adjusted closing prices from Yahoo Finance and do not account for dividends, taxes, or trading fees. See our methodology and full disclaimer.