HDCTX vs. SFLNX
HDCTX (Rational Equity Armor Fund) and SFLNX (Schwab Fundamental US Large Company Index Fund) are both Large Cap Value Equities funds. Over the past 10 years, HDCTX returned 4.82%/yr vs 14.18%/yr for SFLNX. Their correlation of 0.85 means they have usually moved in the same direction. HDCTX charges 1.17%/yr vs 0.25%/yr for SFLNX.
Performance
HDCTX vs. SFLNX - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, HDCTX achieves a 6.06% return, which is significantly lower than SFLNX's 17.37% return. Over the past 10 years, HDCTX has underperformed SFLNX with an annualized return of 4.82%, while SFLNX has yielded a comparatively higher 14.18% annualized return.
HDCTX
- 1D
- 1.06%
- 1M
- -1.55%
- 6M
- 4.51%
- YTD
- 6.06%
- 1Y
- 12.97%
- 3Y*
- 12.83%
- 5Y*
- 5.97%
- 10Y*
- 4.82%
- ALL TIME*
- 5.67%
SFLNX
- 1D
- 0.51%
- 1M
- 1.26%
- 6M
- 12.56%
- YTD
- 17.37%
- 1Y
- 32.13%
- 3Y*
- 18.83%
- 5Y*
- 13.76%
- 10Y*
- 14.18%
- ALL TIME*
- 11.25%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
HDCTX vs. SFLNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HDCTX Rational Equity Armor Fund | 6.06% | 12.64% | 16.85% | 2.95% | -10.68% | 14.52% | 15.85% | 11.32% | -11.94% | -1.99% |
SFLNX Schwab Fundamental US Large Company Index Fund | 17.37% | 17.02% | 16.78% | 18.16% | -6.89% | 31.64% | 9.12% | 28.91% | -7.43% | 17.08% |
Correlation
The correlation between HDCTX and SFLNX is 0.60, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.60 |
Correlation (3Y) Balances recent behavior with more history. | 0.70 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.75 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.76 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2008 | 0.85 |
Over the past year, the correlation between HDCTX and SFLNX has dropped to 0.60 - well below their long-term average of 0.85, suggesting their price drivers have been diverging.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
HDCTX vs. SFLNX — Risk / Return Rank
HDCTX
SFLNX
HDCTX vs. SFLNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Rational Equity Armor Fund (HDCTX) and Schwab Fundamental US Large Company Index Fund (SFLNX). 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.
| HDCTX | SFLNX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.65 | ||
| Sortino ratioReturn per unit of downside risk | -2.16 | ||
| Omega ratioGain probability vs. loss probability | 1.21 | 1.52 | -0.31 |
| Calmar ratioReturn relative to maximum drawdown | 1.64 | 4.87 | -3.23 |
| Martin ratioReturn relative to average drawdown | 3.74 | 19.48 | -15.73 |
Loading charts...
Drawdowns
HDCTX vs. SFLNX - Drawdown Comparison
The maximum HDCTX drawdown since its inception was -59.05%, which is greater than SFLNX's maximum drawdown of -56.18%. Use the drawdown chart below to compare losses from any high point for HDCTX and SFLNX.
Loading charts...
Drawdown Indicators
| HDCTX | SFLNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -59.05% | -56.18% | -2.87% |
Max Drawdown (1Y)Largest decline over 1 year | -6.95% | -6.10% | -0.85% |
Max Drawdown (3Y)Largest decline over 3 years | -11.74% | -16.27% | +4.53% |
Max Drawdown (5Y)Largest decline over 5 years | -18.22% | -18.98% | +0.76% |
Max Drawdown (10Y)Largest decline over 10 years | -18.82% | -37.59% | +18.77% |
Current DrawdownCurrent decline from peak | -5.47% | -0.50% | -4.97% |
Average DrawdownAverage peak-to-trough decline | -6.40% | -5.96% | -0.44% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.03% | 1.53% | +1.50% |
Volatility
HDCTX vs. SFLNX - Volatility Comparison
Rational Equity Armor Fund (HDCTX) and Schwab Fundamental US Large Company Index Fund (SFLNX) have volatilities of 2.25% and 2.33%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| HDCTX | SFLNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.25% | 2.33% | -0.08% |
Volatility (6M)Calculated over the trailing 6-month period | 7.31% | 7.49% | -0.18% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.63% | 10.50% | -0.87% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.63% | 15.16% | -4.53% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.55% | 18.34% | -6.79% |
HDCTX vs. SFLNX - Expense Ratio Comparison
HDCTX has a 1.17% expense ratio, which is higher than SFLNX's 0.25% expense ratio.
Dividends
HDCTX vs. SFLNX - Dividend Comparison
HDCTX's dividend yield for the trailing twelve months is around 0.19%, less than SFLNX's 1.43% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HDCTX Rational Equity Armor Fund | 0.19% | 0.00% | 0.00% | 0.17% | 0.78% | 1.21% | 1.10% | 5.37% | 7.86% | 5.60% | 3.28% | 15.32% |
SFLNX Schwab Fundamental US Large Company Index Fund | 1.43% | 1.68% | 1.78% | 1.86% | 2.09% | 4.78% | 6.17% | 5.33% | 9.69% | 3.28% | 7.23% | 5.68% |
Frequently Asked Questions
HDCTX and SFLNX have a correlation of 0.60, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SFLNX has higher volatility (2.33%) compared to HDCTX (2.25%). In terms of maximum drawdown, HDCTX dropped -59.05% vs SFLNX's -56.18%.
SFLNX currently has the higher Sharpe Ratio (2.84 vs 1.18), 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.
Find the right allocation for HDCTX and SFLNX
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer