HOSBX vs. HSTIX
HOSBX (Homestead Funds Short Term Bond Fund) and HSTIX (Homestead Stock Index Fund) are both mutual funds - HOSBX is a Short-Term Bond fund managed by Homestead, while HSTIX is a Large Cap Blend Equities fund managed by Homestead. Over the past 10 years, HOSBX returned 2.02%/yr vs 15.14%/yr for HSTIX. At a correlation of -0.07, they often move in opposite directions. HOSBX charges 0.79%/yr vs 0.50%/yr for HSTIX.
Performance
HOSBX vs. HSTIX - Performance Comparison
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Returns By Period
In the year-to-date period, HOSBX achieves a 0.13% return, which is significantly lower than HSTIX's 9.94% return. Over the past 10 years, HOSBX has underperformed HSTIX with an annualized return of 2.02%, while HSTIX has yielded a comparatively higher 15.14% annualized return.
HOSBX
- 1D
- 0.20%
- 1M
- 0.32%
- YTD
- 0.13%
- 6M
- 0.64%
- 1Y
- 3.43%
- 3Y*
- 4.38%
- 5Y*
- 1.55%
- 10Y*
- 2.02%
HSTIX
- 1D
- 1.09%
- 1M
- 0.43%
- YTD
- 9.94%
- 6M
- 9.43%
- 1Y
- 26.59%
- 3Y*
- 20.91%
- 5Y*
- 13.84%
- 10Y*
- 15.14%
HOSBX vs. HSTIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HOSBX Homestead Funds Short Term Bond Fund | 0.13% | 5.87% | 3.78% | 5.08% | -5.71% | -1.11% | 5.38% | 3.89% | 1.45% | 1.66% |
HSTIX Homestead Stock Index Fund | 9.94% | 17.36% | 24.40% | 27.24% | -18.53% | 28.07% | 17.81% | 30.77% | -4.98% | 21.17% |
Correlation
The correlation between HOSBX and HSTIX is 0.21, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.21 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.12 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.09 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.01 |
Correlation (All Time) Calculated using the full available price history since Oct 29, 1999 | -0.07 |
The correlation between HOSBX and HSTIX shifts across timeframes, from -0.07 (all time) to 0.21 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
HOSBX vs. HSTIX — Risk / Return Rank
HOSBX
HSTIX
HOSBX vs. HSTIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Homestead Funds Short Term Bond Fund (HOSBX) and Homestead Stock Index Fund (HSTIX). 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.
| HOSBX | HSTIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.70 | ||
| Sortino ratioReturn per unit of downside risk | -0.73 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.38 | -0.06 |
| Calmar ratioReturn relative to maximum drawdown | 2.16 | 2.95 | -0.79 |
| Martin ratioReturn relative to average drawdown | 7.50 | 13.29 | -5.79 |
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Drawdowns
HOSBX vs. HSTIX - Drawdown Comparison
The maximum HOSBX drawdown since its inception was -8.84%, smaller than the maximum HSTIX drawdown of -55.64%. Use the drawdown chart below to compare losses from any high point for HOSBX and HSTIX.
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Drawdown Indicators
| HOSBX | HSTIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -8.84% | -55.64% | +46.80% |
Max Drawdown (1Y)Largest decline over 1 year | -1.59% | -8.97% | +7.38% |
Max Drawdown (3Y)Largest decline over 3 years | -1.59% | -18.79% | +17.20% |
Max Drawdown (5Y)Largest decline over 5 years | -8.84% | -24.78% | +15.94% |
Max Drawdown (10Y)Largest decline over 10 years | -8.84% | -33.82% | +24.98% |
Current DrawdownCurrent decline from peak | -0.67% | -1.37% | +0.70% |
Average DrawdownAverage peak-to-trough decline | -0.65% | -11.56% | +10.91% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.46% | 1.99% | -1.53% |
Volatility
HOSBX vs. HSTIX - Volatility Comparison
The current volatility for Homestead Funds Short Term Bond Fund (HOSBX) is 0.91%, while Homestead Stock Index Fund (HSTIX) has a volatility of 4.77%. This indicates that HOSBX experiences smaller price fluctuations and is considered to be less risky than HSTIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HOSBX | HSTIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.91% | 4.77% | -3.86% |
Volatility (6M)Calculated over the trailing 6-month period | 1.84% | 9.91% | -8.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 2.42% | 12.47% | -10.05% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 3.01% | 17.02% | -14.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 2.42% | 18.10% | -15.68% |
HOSBX vs. HSTIX - Expense Ratio Comparison
HOSBX has a 0.79% expense ratio, which is higher than HSTIX's 0.50% expense ratio.
Dividends
HOSBX vs. HSTIX - Dividend Comparison
HOSBX's dividend yield for the trailing twelve months is around 3.81%, more than HSTIX's 1.66% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HOSBX Homestead Funds Short Term Bond Fund | 3.81% | 3.86% | 3.50% | 2.85% | 1.74% | 1.37% | 3.57% | 2.66% | 1.83% | 1.65% | 1.55% | 1.40% |
HSTIX Homestead Stock Index Fund | 1.66% | 1.82% | 1.08% | 2.49% | 1.91% | 2.13% | 1.40% | 1.98% | 1.98% | 0.89% | 1.51% | 1.66% |
Frequently Asked Questions
HOSBX and HSTIX have a correlation of 0.21, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HSTIX has higher volatility (4.77%) compared to HOSBX (0.91%). In terms of maximum drawdown, HOSBX dropped -8.84% vs HSTIX's -55.64%.
HSTIX currently has the higher Sharpe Ratio (2.12 vs 1.42), 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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