UCMCX vs. SCHX
Compare and contrast key facts about USAA Cornerstone Moderately Conservative Fund (UCMCX) and Schwab U.S. Large-Cap ETF (SCHX).
UCMCX is managed by Victory. It was launched on Jun 7, 2012. SCHX is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Large-Cap Total Stock Market Index. It was launched on Nov 3, 2009.
Performance
UCMCX vs. SCHX - Performance Comparison
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UCMCX vs. SCHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
UCMCX USAA Cornerstone Moderately Conservative Fund | 0.50% | 13.75% | 4.15% | 9.23% | -13.17% | 7.21% | 8.25% | 13.10% | -5.30% | 11.46% |
SCHX Schwab U.S. Large-Cap ETF | -3.70% | 17.46% | 24.88% | 26.84% | -19.41% | 26.81% | 20.81% | 31.22% | -4.66% | 21.95% |
Returns By Period
In the year-to-date period, UCMCX achieves a 0.50% return, which is significantly higher than SCHX's -3.70% return. Over the past 10 years, UCMCX has underperformed SCHX with an annualized return of 4.96%, while SCHX has yielded a comparatively higher 14.02% annualized return.
UCMCX
- 1D
- 1.53%
- 1M
- -3.24%
- YTD
- 0.50%
- 6M
- 2.38%
- 1Y
- 12.25%
- 3Y*
- 7.77%
- 5Y*
- 3.53%
- 10Y*
- 4.96%
SCHX
- 1D
- 0.78%
- 1M
- -4.31%
- YTD
- -3.70%
- 6M
- -1.70%
- 1Y
- 17.91%
- 3Y*
- 18.55%
- 5Y*
- 11.30%
- 10Y*
- 14.02%
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UCMCX vs. SCHX - Expense Ratio Comparison
UCMCX has a 0.90% expense ratio, which is higher than SCHX's 0.03% expense ratio.
Return for Risk
UCMCX vs. SCHX — Risk / Return Rank
UCMCX
SCHX
UCMCX vs. SCHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Cornerstone Moderately Conservative Fund (UCMCX) and Schwab U.S. Large-Cap ETF (SCHX). 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.
| UCMCX | SCHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.58 | 0.98 | +0.59 |
Sortino ratioReturn per unit of downside risk | 2.25 | 1.50 | +0.76 |
Omega ratioGain probability vs. loss probability | 1.32 | 1.23 | +0.09 |
Calmar ratioReturn relative to maximum drawdown | 2.21 | 1.51 | +0.70 |
Martin ratioReturn relative to average drawdown | 9.47 | 7.02 | +2.45 |
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
| UCMCX | SCHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.58 | 0.98 | +0.59 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.42 | 0.66 | -0.25 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.78 | -0.14 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.68 | 0.80 | -0.12 |
Correlation
The correlation between UCMCX and SCHX is 0.83, 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
UCMCX vs. SCHX - Dividend Comparison
UCMCX's dividend yield for the trailing twelve months is around 3.32%, more than SCHX's 1.16% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
UCMCX USAA Cornerstone Moderately Conservative Fund | 3.32% | 3.16% | 2.03% | 2.42% | 7.62% | 6.62% | 1.68% | 2.31% | 4.13% | 4.37% | 2.39% | 3.31% |
SCHX Schwab U.S. Large-Cap ETF | 1.16% | 1.09% | 1.22% | 1.39% | 1.64% | 1.22% | 1.64% | 1.82% | 2.02% | 1.70% | 1.92% | 2.04% |
Drawdowns
UCMCX vs. SCHX - Drawdown Comparison
The maximum UCMCX drawdown since its inception was -21.85%, smaller than the maximum SCHX drawdown of -34.33%. Use the drawdown chart below to compare losses from any high point for UCMCX and SCHX.
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Drawdown Indicators
| UCMCX | SCHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.85% | -34.33% | +12.48% |
Max Drawdown (1Y)Largest decline over 1 year | -5.72% | -12.19% | +6.47% |
Max Drawdown (5Y)Largest decline over 5 years | -21.85% | -25.41% | +3.56% |
Max Drawdown (10Y)Largest decline over 10 years | -21.85% | -34.33% | +12.48% |
Current DrawdownCurrent decline from peak | -3.71% | -5.67% | +1.96% |
Average DrawdownAverage peak-to-trough decline | -3.90% | -4.00% | +0.10% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.34% | 2.62% | -1.28% |
Volatility
UCMCX vs. SCHX - Volatility Comparison
The current volatility for USAA Cornerstone Moderately Conservative Fund (UCMCX) is 3.36%, while Schwab U.S. Large-Cap ETF (SCHX) has a volatility of 5.36%. This indicates that UCMCX experiences smaller price fluctuations and is considered to be less risky than SCHX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| UCMCX | SCHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.36% | 5.36% | -2.00% |
Volatility (6M)Calculated over the trailing 6-month period | 5.10% | 9.67% | -4.57% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.00% | 18.33% | -10.33% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.51% | 17.13% | -8.62% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.82% | 18.13% | -10.31% |