RIVSX vs. PSSMX
RIVSX (River Oak Discovery Fund) and PSSMX (Principal SmallCap S&P 600 Index Fund) are both Small Cap Blend Equities funds. Over the past 10 years, RIVSX returned 11.51%/yr vs 10.79%/yr for PSSMX. Their correlation of 0.89 means they have usually moved in the same direction. RIVSX charges 1.18%/yr vs 0.73%/yr for PSSMX.
Performance
RIVSX vs. PSSMX - Performance Comparison
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Returns By Period
In the year-to-date period, RIVSX achieves a 29.08% return, which is significantly higher than PSSMX's 21.15% return. Over the past 10 years, RIVSX has outperformed PSSMX with an annualized return of 11.51%, while PSSMX has yielded a comparatively lower 10.79% annualized return.
RIVSX
- 1D
- 1.65%
- 1M
- -3.48%
- 6M
- 19.20%
- YTD
- 29.08%
- 1Y
- 46.56%
- 3Y*
- 14.41%
- 5Y*
- 8.30%
- 10Y*
- 11.51%
- ALL TIME*
- 8.48%
PSSMX
- 1D
- 0.85%
- 1M
- -0.64%
- 6M
- 14.80%
- YTD
- 21.15%
- 1Y
- 35.09%
- 3Y*
- 15.43%
- 5Y*
- 8.35%
- 10Y*
- 10.79%
- ALL TIME*
- 9.60%
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 |
RIVSX vs. PSSMX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RIVSX River Oak Discovery Fund | 29.08% | 9.11% | 4.42% | 8.18% | -14.53% | 24.78% | 29.00% | 30.36% | -13.72% | 11.33% |
PSSMX Principal SmallCap S&P 600 Index Fund | 21.15% | 5.34% | 16.60% | 15.18% | -16.69% | 25.39% | 10.65% | 21.99% | -9.42% | 12.46% |
Correlation
The correlation between RIVSX and PSSMX is 0.83, 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. | 0.83 |
Correlation (3Y) Balances recent behavior with more history. | 0.88 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.90 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.87 |
Correlation (All Time) Calculated using the full available price history since Jan 3, 2006 | 0.89 |
The correlation between RIVSX and PSSMX has been stable across timeframes, ranging from 0.83 to 0.90 - a consistent structural relationship.
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Return for Risk
RIVSX vs. PSSMX — Risk / Return Rank
RIVSX
PSSMX
RIVSX vs. PSSMX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for River Oak Discovery Fund (RIVSX) and Principal SmallCap S&P 600 Index Fund (PSSMX). 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.
| RIVSX | PSSMX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.41 | ||
| Sortino ratioReturn per unit of downside risk | +0.42 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.32 | +0.07 |
| Calmar ratioReturn relative to maximum drawdown | 4.68 | 3.59 | +1.09 |
| Martin ratioReturn relative to average drawdown | 15.06 | 12.27 | +2.79 |
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Drawdowns
RIVSX vs. PSSMX - Drawdown Comparison
The maximum RIVSX drawdown since its inception was -60.61%, roughly equal to the maximum PSSMX drawdown of -58.43%. Use the drawdown chart below to compare losses from any high point for RIVSX and PSSMX.
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Drawdown Indicators
| RIVSX | PSSMX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -60.61% | -58.43% | -2.18% |
Max Drawdown (1Y)Largest decline over 1 year | -9.11% | -8.76% | -0.35% |
Max Drawdown (3Y)Largest decline over 3 years | -24.52% | -24.30% | -0.22% |
Max Drawdown (5Y)Largest decline over 5 years | -25.75% | -27.01% | +1.26% |
Max Drawdown (10Y)Largest decline over 10 years | -41.45% | -44.85% | +3.40% |
Current DrawdownCurrent decline from peak | -5.79% | -1.87% | -3.92% |
Average DrawdownAverage peak-to-trough decline | -10.43% | -9.47% | -0.96% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.83% | 2.57% | +0.26% |
Volatility
RIVSX vs. PSSMX - Volatility Comparison
River Oak Discovery Fund (RIVSX) has a higher volatility of 5.45% compared to Principal SmallCap S&P 600 Index Fund (PSSMX) at 3.47%. This indicates that RIVSX's price experiences larger fluctuations and is considered to be riskier than PSSMX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RIVSX | PSSMX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.45% | 3.47% | +1.98% |
Volatility (6M)Calculated over the trailing 6-month period | 13.32% | 11.69% | +1.63% |
Volatility (1Y)Calculated over the trailing 1-year period | 19.24% | 17.41% | +1.83% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 20.34% | 21.62% | -1.28% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 21.84% | 22.86% | -1.02% |
RIVSX vs. PSSMX - Expense Ratio Comparison
RIVSX has a 1.18% expense ratio, which is higher than PSSMX's 0.73% expense ratio.
Dividends
RIVSX vs. PSSMX - Dividend Comparison
RIVSX's dividend yield for the trailing twelve months is around 0.22%, less than PSSMX's 8.24% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PSSMX Principal SmallCap S&P 600 Index Fund | 8.24% | 9.98% | 15.91% | 3.75% | 10.45% | 8.23% | 1.67% | 6.56% | 13.08% | 6.03% | 6.15% | 8.07% |
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
RIVSX and PSSMX have a correlation of 0.83, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
RIVSX has higher volatility (5.45%) compared to PSSMX (3.47%). In terms of maximum drawdown, RIVSX dropped -60.61% vs PSSMX's -58.43%.
RIVSX currently has the higher Sharpe Ratio (2.22 vs 1.81), 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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