HSCSX vs. RIVSX
HSCSX (Homestead Small Company Stock Fund) and RIVSX (River Oak Discovery Fund) are both Small Cap Blend Equities funds. Over the past 10 years, HSCSX returned 6.74%/yr vs 11.84%/yr for RIVSX. Their correlation of 0.87 means they have usually moved in the same direction. HSCSX charges 1.06%/yr vs 1.18%/yr for RIVSX.
Performance
HSCSX vs. RIVSX - Performance Comparison
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Returns By Period
In the year-to-date period, HSCSX achieves a 8.87% return, which is significantly lower than RIVSX's 30.67% return. Over the past 10 years, HSCSX has underperformed RIVSX with an annualized return of 6.74%, while RIVSX has yielded a comparatively higher 11.84% annualized return.
HSCSX
- 1D
- 0.52%
- 1M
- -2.70%
- 6M
- 2.72%
- YTD
- 8.87%
- 1Y
- 15.52%
- 3Y*
- 6.65%
- 5Y*
- 3.36%
- 10Y*
- 6.74%
- ALL TIME*
- 8.18%
RIVSX
- 1D
- 1.23%
- 1M
- -2.30%
- 6M
- 20.09%
- YTD
- 30.67%
- 1Y
- 48.36%
- 3Y*
- 15.04%
- 5Y*
- 8.56%
- 10Y*
- 11.84%
- ALL TIME*
- 8.54%
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 |
HSCSX vs. RIVSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
HSCSX Homestead Small Company Stock Fund | 8.87% | 0.54% | 8.52% | 17.21% | -16.97% | 20.38% | 22.25% | 22.41% | -27.09% | 12.03% |
RIVSX River Oak Discovery Fund | 30.67% | 9.11% | 4.42% | 8.18% | -14.53% | 24.78% | 29.00% | 30.36% | -13.72% | 11.33% |
Correlation
The correlation between HSCSX and RIVSX is 0.84, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.84 |
Correlation (3Y) Balances recent behavior with more history. | 0.89 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.91 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.88 |
Correlation (All Time) Calculated using the full available price history since Jan 3, 2006 | 0.87 |
The correlation between HSCSX and RIVSX has been stable across timeframes, ranging from 0.84 to 0.91 - a consistent structural relationship.
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Return for Risk
HSCSX vs. RIVSX — Risk / Return Rank
HSCSX
RIVSX
HSCSX vs. RIVSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Homestead Small Company Stock Fund (HSCSX) and River Oak Discovery Fund (RIVSX). 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.
| HSCSX | RIVSX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.66 | ||
| Sortino ratioReturn per unit of downside risk | -2.10 | ||
| Omega ratioGain probability vs. loss probability | 1.14 | 1.42 | -0.28 |
| Calmar ratioReturn relative to maximum drawdown | 1.34 | 5.12 | -3.78 |
| Martin ratioReturn relative to average drawdown | 4.11 | 16.39 | -12.29 |
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Drawdowns
HSCSX vs. RIVSX - Drawdown Comparison
The maximum HSCSX drawdown since its inception was -55.79%, smaller than the maximum RIVSX drawdown of -60.61%. Use the drawdown chart below to compare losses from any high point for HSCSX and RIVSX.
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Drawdown Indicators
| HSCSX | RIVSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.79% | -60.61% | +4.82% |
Max Drawdown (1Y)Largest decline over 1 year | -10.95% | -9.11% | -1.84% |
Max Drawdown (3Y)Largest decline over 3 years | -29.42% | -24.52% | -4.90% |
Max Drawdown (5Y)Largest decline over 5 years | -29.42% | -25.75% | -3.67% |
Max Drawdown (10Y)Largest decline over 10 years | -44.64% | -41.45% | -3.19% |
Current DrawdownCurrent decline from peak | -5.29% | -4.63% | -0.66% |
Average DrawdownAverage peak-to-trough decline | -9.27% | -10.42% | +1.15% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.57% | 2.84% | +0.73% |
Volatility
HSCSX vs. RIVSX - Volatility Comparison
The current volatility for Homestead Small Company Stock Fund (HSCSX) is 4.26%, while River Oak Discovery Fund (RIVSX) has a volatility of 5.64%. This indicates that HSCSX experiences smaller price fluctuations and is considered to be less risky than RIVSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HSCSX | RIVSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.26% | 5.64% | -1.38% |
Volatility (6M)Calculated over the trailing 6-month period | 13.74% | 13.36% | +0.38% |
Volatility (1Y)Calculated over the trailing 1-year period | 19.14% | 19.26% | -0.12% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 21.85% | 20.34% | +1.51% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 22.41% | 21.84% | +0.57% |
HSCSX vs. RIVSX - Expense Ratio Comparison
HSCSX has a 1.06% expense ratio, which is lower than RIVSX's 1.18% expense ratio.
Dividends
HSCSX vs. RIVSX - Dividend Comparison
HSCSX's dividend yield for the trailing twelve months is around 13.31%, more than RIVSX's 0.22% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
HSCSX Homestead Small Company Stock Fund | 13.31% | 10.88% | 5.42% | 3.87% | 5.12% | 18.41% | 12.67% | 18.73% | 26.80% | 4.45% | 2.43% | 5.07% |
RIVSX River Oak Discovery Fund | 0.22% | 0.29% | 0.00% | 0.00% | 0.15% | 16.84% | 14.54% | 3.81% | 17.54% | 5.48% | 0.00% | 0.11% |
Frequently Asked Questions
HSCSX and RIVSX have a correlation of 0.84, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
RIVSX has higher volatility (5.64%) compared to HSCSX (4.26%). In terms of maximum drawdown, HSCSX dropped -55.79% vs RIVSX's -60.61%.
RIVSX currently has the higher Sharpe Ratio (2.43 vs 0.77), 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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