UMH vs. SWPPX

Last updated Apr 1, 2026

Compare and contrast key facts about UMH Properties, Inc. (UMH) and Schwab S&P 500 Index Fund (SWPPX).

SWPPX is a passively managed fund by Charles Schwab that tracks the performance of the S&P 500 Index. It was launched on May 19, 1997.

Performance

UMH vs. SWPPX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in UMH Properties, Inc. (UMH) and Schwab S&P 500 Index Fund (SWPPX). The values are adjusted to include any dividend payments, if applicable.

UMH vs. SWPPX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
UMH UMH Properties, Inc.	-8.02%	-11.02%	29.59%	0.21%	-38.67%	91.34%	-0.73%	40.13%	-16.21%	3.70%
SWPPX Schwab S&P 500 Index Fund	-7.07%	17.87%	24.96%	26.26%	-18.14%	28.67%	18.38%	31.46%	-4.47%	21.81%

Returns By Period

In the year-to-date period, UMH achieves a -8.02% return, which is significantly lower than SWPPX's -7.07% return. Over the past 10 years, UMH has underperformed SWPPX with an annualized return of 9.13%, while SWPPX has yielded a comparatively higher 13.71% annualized return.

UMH

• 1D: 0.21%
• 1M: -4.31%
• YTD: -8.02%
• 6M: 0.04%
• 1Y: -18.35%
• 3Y*: 4.59%
• 5Y*: -1.34%
• 10Y*: 9.13%

SWPPX

• 1D: -0.37%
• 1M: -7.65%
• YTD: -7.07%
• 6M: -4.58%
• 1Y: 14.43%
• 3Y*: 17.15%
• 5Y*: 11.39%
• 10Y*: 13.71%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

UMH vs. SWPPX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

UMH

UMH Risk / Return Rank: 11
UMH Sharpe Ratio Rank: 7
UMH Sortino Ratio Rank: 10
UMH Omega Ratio Rank: 11
UMH Calmar Ratio Rank: 13
UMH Martin Ratio Rank: 16

SWPPX

SWPPX Risk / Return Rank: 46
SWPPX Sharpe Ratio Rank: 41
SWPPX Sortino Ratio Rank: 45
SWPPX Omega Ratio Rank: 50
SWPPX Calmar Ratio Rank: 42
SWPPX Martin Ratio Rank: 53

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

UMH vs. SWPPX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for UMH Properties, Inc. (UMH) and Schwab S&P 500 Index Fund (SWPPX). 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.

	UMH	SWPPX	Difference
Sharpe ratio Return per unit of total volatility	-0.89	0.84	-1.72
Sortino ratio Return per unit of downside risk	-1.14	1.30	-2.44
Omega ratio Gain probability vs. loss probability	0.86	1.20	-0.34
Calmar ratio Return relative to maximum drawdown	-0.80	1.06	-1.86
Martin ratio Return relative to average drawdown	-1.31	5.14	-6.45
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UMH vs. SWPPX - Sharpe Ratio Comparison

The current UMH Sharpe Ratio is -0.89, which is lower than the SWPPX Sharpe Ratio of 0.84. The chart below compares the historical Sharpe Ratios of UMH and SWPPX, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	UMH	SWPPX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.89	0.84	-1.72
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.05	0.68	-0.73
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.31	0.76	-0.45
Sharpe Ratio (All Time) Calculated using the full available price history	0.32	0.48	-0.16

Correlation

The correlation between UMH and SWPPX is 0.28, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

UMH vs. SWPPX - Dividend Comparison

UMH's dividend yield for the trailing twelve months is around 6.24%, more than SWPPX's 1.19% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
UMH UMH Properties, Inc.	6.24%	5.59%	4.50%	5.35%	4.97%	2.78%	4.86%	4.58%	6.08%	4.83%	4.78%	7.11%
SWPPX Schwab S&P 500 Index Fund	1.19%	1.11%	1.23%	1.43%	1.67%	1.27%	1.81%	1.95%	2.67%	1.79%	2.55%	3.17%

Drawdowns

UMH vs. SWPPX - Drawdown Comparison

The maximum UMH drawdown since its inception was -62.46%, which is greater than SWPPX's maximum drawdown of -55.06%. Use the drawdown chart below to compare losses from any high point for UMH and SWPPX.

Drawdown Indicators

	UMH	SWPPX	Difference
Max Drawdown Largest peak-to-trough decline	-62.46%	-55.06%	-7.40%
Max Drawdown (1Y) Largest decline over 1 year	-22.89%	-12.10%	-10.79%
Max Drawdown (5Y) Largest decline over 5 years	-46.98%	-24.51%	-22.47%
Max Drawdown (10Y) Largest decline over 10 years	-46.98%	-33.80%	-13.18%
Current Drawdown Current decline from peak	-34.81%	-8.89%	-25.92%
Average Drawdown Average peak-to-trough decline	-14.45%	-10.00%	-4.45%
Ulcer Index Depth and duration of drawdowns from previous peaks	13.98%	2.49%	+11.49%

Volatility

UMH vs. SWPPX - Volatility Comparison

The current volatility for UMH Properties, Inc. (UMH) is 3.96%, while Schwab S&P 500 Index Fund (SWPPX) has a volatility of 4.29%. This indicates that UMH experiences smaller price fluctuations and is considered to be less risky than SWPPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	UMH	SWPPX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.96%	4.29%	-0.33%
Volatility (6M) Calculated over the trailing 6-month period	13.42%	9.11%	+4.31%
Volatility (1Y) Calculated over the trailing 1-year period	20.78%	18.14%	+2.64%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	25.29%	16.89%	+8.40%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	29.88%	18.19%	+11.69%