BSV vs. UNH
BSV (Vanguard Short-Term Bond Index Fund ETF Shares) is Short-Term Bond fund tracking the Bloomberg U.S. 1–5 Year Government/Credit Float Adjusted Index, while UNH (UnitedHealth Group Incorporated) is a stock. Over the past 10 years, BSV returned 1.94%/yr vs 13.32%/yr for UNH. At a correlation of -0.08, they often move in opposite directions.
Performance
BSV vs. UNH - Performance Comparison
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Returns By Period
In the year-to-date period, BSV achieves a 0.42% return, which is significantly lower than UNH's 24.71% return. Over the past 10 years, BSV has underperformed UNH with an annualized return of 1.94%, while UNH has yielded a comparatively higher 13.32% annualized return.
BSV
- 1D
- 0.00%
- 1M
- 0.41%
- YTD
- 0.42%
- 6M
- 0.75%
- 1Y
- 3.67%
- 3Y*
- 4.57%
- 5Y*
- 1.63%
- 10Y*
- 1.94%
UNH
- 1D
- 0.73%
- 1M
- 3.72%
- YTD
- 24.71%
- 6M
- 20.44%
- 1Y
- 33.97%
- 3Y*
- -4.10%
- 5Y*
- 2.27%
- 10Y*
- 13.32%
BSV vs. UNH - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
BSV Vanguard Short-Term Bond Index Fund ETF Shares | 0.42% | 6.00% | 3.78% | 4.90% | -5.49% | -1.09% | 4.70% | 4.98% | 1.34% | 1.20% |
UNH UnitedHealth Group Incorporated | 24.71% | -33.14% | -2.41% | 0.80% | 6.94% | 45.20% | 21.25% | 20.00% | 14.52% | 39.83% |
Correlation
The correlation between BSV and UNH is 0.04, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.04 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.01 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.04 |
Correlation (10Y) Calculated over the trailing 10-year period | -0.02 |
Correlation (All Time) Calculated using the full available price history since Apr 10, 2007 | -0.08 |
The correlation between BSV and UNH shifts across timeframes, from -0.08 (all time) to 0.04 (5 years), reflecting how their relationship changes across market environments.
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Return for Risk
BSV vs. UNH — Risk / Return Rank
BSV
UNH
BSV vs. UNH - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Short-Term Bond Index Fund ETF Shares (BSV) and UnitedHealth Group Incorporated (UNH). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
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.
| BSV | UNH | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.21 | ||
| Sortino ratioReturn per unit of downside risk | +1.97 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.19 | +0.20 |
| Calmar ratioReturn relative to maximum drawdown | 2.79 | 1.11 | +1.68 |
| Martin ratioReturn relative to average drawdown | 9.42 | 2.43 | +6.99 |
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Drawdowns
BSV vs. UNH - Drawdown Comparison
The maximum BSV drawdown since its inception was -8.54%, smaller than the maximum UNH drawdown of -74.37%. Use the drawdown chart below to compare losses from any high point for BSV and UNH.
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Drawdown Indicators
| BSV | UNH | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -8.54% | -74.37% | +65.83% |
Max Drawdown (1Y)Largest decline over 1 year | -1.29% | -28.96% | +27.67% |
Max Drawdown (3Y)Largest decline over 3 years | -1.53% | -61.39% | +59.86% |
Max Drawdown (5Y)Largest decline over 5 years | -8.54% | -61.39% | +52.85% |
Max Drawdown (10Y)Largest decline over 10 years | -8.54% | -61.39% | +52.85% |
Current DrawdownCurrent decline from peak | -0.50% | -32.27% | +31.77% |
Average DrawdownAverage peak-to-trough decline | -0.97% | -14.77% | +13.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.38% | 13.19% | -12.81% |
Volatility
BSV vs. UNH - Volatility Comparison
The current volatility for Vanguard Short-Term Bond Index Fund ETF Shares (BSV) is 0.57%, while UnitedHealth Group Incorporated (UNH) has a volatility of 7.60%. This indicates that BSV experiences smaller price fluctuations and is considered to be less risky than UNH based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| BSV | UNH | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.57% | 7.60% | -7.03% |
Volatility (6M)Calculated over the trailing 6-month period | 1.28% | 30.86% | -29.58% |
Volatility (1Y)Calculated over the trailing 1-year period | 1.79% | 40.10% | -38.31% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 2.73% | 31.87% | -29.14% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 2.38% | 30.18% | -27.80% |
Dividends
BSV vs. UNH - Dividend Comparison
BSV's dividend yield for the trailing twelve months is around 3.99%, more than UNH's 2.16% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
BSV Vanguard Short-Term Bond Index Fund ETF Shares | 3.99% | 3.83% | 3.38% | 2.46% | 1.50% | 1.45% | 1.79% | 2.29% | 1.99% | 1.65% | 1.48% | 1.40% |
UNH UnitedHealth Group Incorporated | 2.16% | 2.64% | 1.62% | 1.38% | 1.21% | 1.12% | 1.38% | 1.41% | 1.38% | 1.30% | 1.48% | 1.59% |
Frequently Asked Questions
BSV and UNH have a correlation of 0.04, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UNH has higher volatility (7.60%) compared to BSV (0.57%). In terms of maximum drawdown, BSV dropped -8.54% vs UNH's -74.37%.
BSV currently has the higher Sharpe Ratio (2.01 vs 0.80), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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