HOSBX vs. SWSBX
Compare and contrast key facts about Homestead Funds Short Term Bond Fund (HOSBX) and Schwab Short-Term Bond Index Fund (SWSBX).
HOSBX is managed by Homestead. It was launched on Nov 5, 1991. SWSBX is a passively managed fund by Charles Schwab that tracks the performance of the Bloomberg US Government/Credit 1-5 Year Index. It was launched on Feb 23, 2017.
Performance
HOSBX vs. SWSBX - Performance Comparison
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HOSBX vs. SWSBX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HOSBX Homestead Funds Short Term Bond Fund | -0.39% | 5.87% | 3.78% | 5.08% | -5.71% | -1.11% | 5.38% | 3.89% | 1.45% | 1.14% |
SWSBX Schwab Short-Term Bond Index Fund | -0.27% | 6.06% | 3.42% | 3.95% | -5.89% | -1.28% | 4.47% | 4.96% | 1.34% | 0.85% |
Returns By Period
In the year-to-date period, HOSBX achieves a -0.39% return, which is significantly lower than SWSBX's -0.27% return.
HOSBX
- 1D
- 0.20%
- 1M
- -1.20%
- YTD
- -0.39%
- 6M
- 0.74%
- 1Y
- 3.56%
- 3Y*
- 4.01%
- 5Y*
- 1.53%
- 10Y*
- 2.03%
SWSBX
- 1D
- 0.21%
- 1M
- -1.23%
- YTD
- -0.27%
- 6M
- 0.88%
- 1Y
- 3.63%
- 3Y*
- 3.74%
- 5Y*
- 1.25%
- 10Y*
- —
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HOSBX vs. SWSBX - Expense Ratio Comparison
HOSBX has a 0.79% expense ratio, which is higher than SWSBX's 0.06% expense ratio.
Return for Risk
HOSBX vs. SWSBX — Risk / Return Rank
HOSBX
SWSBX
HOSBX vs. SWSBX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Homestead Funds Short Term Bond Fund (HOSBX) and Schwab Short-Term Bond Index Fund (SWSBX). 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.
| HOSBX | SWSBX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.47 | 1.71 | -0.24 |
Sortino ratioReturn per unit of downside risk | 2.21 | 2.83 | -0.62 |
Omega ratioGain probability vs. loss probability | 1.33 | 1.36 | -0.03 |
Calmar ratioReturn relative to maximum drawdown | 2.58 | 2.79 | -0.20 |
Martin ratioReturn relative to average drawdown | 9.87 | 10.25 | -0.38 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| HOSBX | SWSBX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.47 | 1.71 | -0.24 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.52 | 0.42 | +0.10 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.85 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.56 | 0.76 | +0.80 |
Correlation
The correlation between HOSBX and SWSBX is 0.75, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
HOSBX vs. SWSBX - Dividend Comparison
HOSBX's dividend yield for the trailing twelve months is around 3.52%, less than SWSBX's 3.79% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HOSBX Homestead Funds Short Term Bond Fund | 3.52% | 3.86% | 3.50% | 2.85% | 1.74% | 1.37% | 3.57% | 2.66% | 1.83% | 1.65% | 1.55% | 1.40% |
SWSBX Schwab Short-Term Bond Index Fund | 3.79% | 4.09% | 3.66% | 2.36% | 1.11% | 0.97% | 1.82% | 2.41% | 2.12% | 1.56% | 0.00% | 0.00% |
Drawdowns
HOSBX vs. SWSBX - Drawdown Comparison
The maximum HOSBX drawdown since its inception was -8.84%, roughly equal to the maximum SWSBX drawdown of -9.06%. Use the drawdown chart below to compare losses from any high point for HOSBX and SWSBX.
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Drawdown Indicators
| HOSBX | SWSBX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -8.84% | -9.06% | +0.22% |
Max Drawdown (1Y)Largest decline over 1 year | -1.59% | -1.54% | -0.05% |
Max Drawdown (5Y)Largest decline over 5 years | -8.84% | -9.06% | +0.22% |
Max Drawdown (10Y)Largest decline over 10 years | -8.84% | — | — |
Current DrawdownCurrent decline from peak | -1.20% | -1.23% | +0.03% |
Average DrawdownAverage peak-to-trough decline | -0.65% | -1.81% | +1.16% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.42% | 0.42% | 0.00% |
Volatility
HOSBX vs. SWSBX - Volatility Comparison
Homestead Funds Short Term Bond Fund (HOSBX) has a higher volatility of 0.93% compared to Schwab Short-Term Bond Index Fund (SWSBX) at 0.73%. This indicates that HOSBX's price experiences larger fluctuations and is considered to be riskier than SWSBX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HOSBX | SWSBX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.93% | 0.73% | +0.20% |
Volatility (6M)Calculated over the trailing 6-month period | 1.66% | 1.49% | +0.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 2.67% | 2.40% | +0.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 2.96% | 2.95% | +0.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 2.40% | 2.47% | -0.07% |