- ISIN
- US9718978227
- CUSIP
- 971897822
- Issuer
- Wilshire Mutual Funds
- Inception Date
- Nov 16, 2007
- Category
- Foreign Large Cap Equities
- Min. Investment
- $2,500
- Distribution Policy
- Distributing
- Asset Class
- Equity
Share Price Chart
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Performance
WLCTX Performance Chart
Wilshire International Equity Fund (WLCTX) is up 15.5% since the beginning of the year. WLCTX is currently trading at $14 per share. Investors who bought $1,000 worth of WLCTX shares 5 years ago would now be looking at an investment worth $1,561.
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Returns By Period
Wilshire International Equity Fund (WLCTX) has returned 15.49% so far this year and 31.47% over the past 12 months. Over the last ten years, WLCTX has returned 11.23% per year, falling short of the S&P 500 Index benchmark, which averaged 13.71% annually.
Wilshire International Equity Fund
- 1D
- 0.22%
- 1M
- 2.82%
- YTD
- 15.49%
- 6M
- 15.36%
- 1Y
- 31.47%
- 3Y*
- 20.67%
- 5Y*
- 9.31%
- 10Y*
- 11.23%
Benchmark (S&P 500 Index)
- 1D
- -1.44%
- 1M
- -1.45%
- YTD
- 7.60%
- 6M
- 6.59%
- 1Y
- 22.24%
- 3Y*
- 19.20%
- 5Y*
- 11.54%
- 10Y*
- 13.71%
WLCTX Monthly Returns History
Based on dividend-adjusted daily data since Nov 20, 2007, WLCTX's average daily return is +0.03%, while the average monthly return is +0.58%. At this rate, an investment would double in approximately 10.0 years.
Historically, 60% of months were positive and 40% were negative. The best month was Nov 2022 with a return of +13.3%, while the worst month was Oct 2008 at -18.3%. The longest winning streak lasted 14 consecutive months, and the longest losing streak was 6 months.
On a daily basis, WLCTX closed higher 51% of trading days. The best single day was Oct 13, 2008 with a return of +12.0%, while the worst single day was Mar 16, 2020 at -10.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 6.66% | 5.46% | -9.77% | 8.37% | 3.94% | 1.02% | 15.49% | ||||||
| 2025 | 4.95% | 2.26% | -0.37% | 3.42% | 5.72% | 4.15% | -1.14% | 3.70% | 3.72% | 0.53% | 0.23% | 2.53% | 33.77% |
| 2024 | -0.28% | 3.20% | 3.29% | -2.56% | 4.72% | -1.21% | 2.54% | 2.91% | 1.75% | -4.82% | -0.09% | -3.21% | 5.89% |
| 2023 | 8.87% | -2.94% | 2.22% | 1.19% | -3.13% | 4.94% | 3.37% | -3.72% | -3.57% | -4.41% | 9.01% | 5.44% | 17.15% |
| 2022 | -3.95% | -4.03% | -0.75% | -7.04% | 1.11% | -9.19% | 4.51% | -4.84% | -10.18% | 4.56% | 13.31% | -1.83% | -18.87% |
| 2021 | 0.32% | 2.74% | 2.43% | 3.29% | 3.11% | -0.43% | 0.22% | 1.73% | -3.68% | 3.09% | -4.92% | 4.21% | 12.29% |
Benchmark Metrics
Wilshire International Equity Fund has an annualized alpha of -1.82%, beta of 0.85, and R2 of 0.83 versus S&P 500 Index. Calculated based on daily prices since November 20, 2007.
- This fund participated in 98.46% of S&P 500 Index downside but only 83.86% of its upside - more exposed to losses than it benefited from rallies.
- Alpha
- -1.82%
- Beta
- 0.85
- R²
- 0.83
- Upside Capture
- 83.86%
- Downside Capture
- 98.46%
Expense Ratio
WLCTX has a high expense ratio of 1.50%, indicating above-average management fees.
Return for Risk
Risk / Return Rank
WLCTX ranks 67 for risk / return — better than 67% of mutual funds on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Wilshire International Equity Fund (WLCTX) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| WLCTX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.54 | ||
| Sortino ratioReturn per unit of downside risk | +0.76 | ||
| Omega ratioGain probability vs. loss probability | 1.44 | 1.32 | +0.11 |
| Calmar ratioReturn relative to maximum drawdown | 2.79 | 2.46 | +0.33 |
| Martin ratioReturn relative to average drawdown | 10.59 | 10.92 | -0.33 |
Dividends
Dividend History
Wilshire International Equity Fund provided a 10.80% dividend yield over the last twelve months, with an annual payout of $1.50 per share. The fund has been increasing its distributions for 3 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.50 | $1.50 | $1.19 | $0.32 | $0.09 | $2.24 | $0.84 | $0.14 | $0.46 | $0.01 | $0.15 | $0.02 |
Dividend yield | 10.80% | 12.47% | 11.81% | 3.02% | 0.91% | 19.22% | 6.81% | 1.26% | 4.91% | 0.07% | 1.64% | 0.22% |
Monthly Dividends
The table displays the monthly dividend distributions for Wilshire International Equity Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.50 | $1.50 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.19 | $1.19 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.32 | $0.32 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.09 | $0.09 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2.24 | $2.24 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Wilshire International Equity Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Wilshire International Equity Fund was 52.88%, occurring on Mar 9, 2009. Recovery took 1042 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -52.88%Mar 2009 | 1y 2mo | 4y 1mo | 5y 4moDec 2007 - Apr 2013 |
COVID crash2020 | -34.49%Mar 2020 | 2mo 2d | 5mo 6d | 7mo 8dJan 2020 - Aug 2020 |
Bear market2022 | -32.89%Oct 2022 | 1y 1mo | 1y 7mo | 2y 8moSep 2021 - May 2024 |
Rate-hike selloffLate 2018 | -21.43%Dec 2018 | 10mo 29d | 1y 2d | 1y 11moJan 2018 - Dec 2019 |
2016 bear market2016 | -20.33%Feb 2016 | 1y 7mo | 1y 2mo | 2y 10moJul 2014 - May 2017 |
Drawdown Indicators
| WLCTX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.88% | -56.78% | +3.90% |
Max Drawdown (1Y)Largest decline over 1 year | -11.55% | -9.10% | -2.45% |
Max Drawdown (3Y)Largest decline over 3 years | -14.26% | -18.90% | +4.64% |
Max Drawdown (5Y)Largest decline over 5 years | -32.89% | -25.43% | -7.46% |
Max Drawdown (10Y)Largest decline over 10 years | -34.49% | -33.92% | -0.57% |
Current DrawdownCurrent decline from peak | 0.00% | -3.21% | +3.21% |
Average DrawdownAverage peak-to-trough decline | -11.31% | -10.71% | -0.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.03% | 2.04% | +0.99% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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