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UNH vs. SWVXX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

UNH vs. SWVXX

Last updated Jun 9, 2026

UNH (UnitedHealth Group Incorporated) is a stock, while SWVXX (Schwab Prime Advantage Money Fund Investor Shares) is Money Market fund actively managed by Charles Schwab. Over the past 5 years, UNH returned 2.00%/yr vs 3.14%/yr for SWVXX. At a 0.00 correlation, their price movements are largely independent.

Performance

UNH vs. SWVXX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in UnitedHealth Group Incorporated (UNH) and Schwab Prime Advantage Money Fund Investor Shares (SWVXX). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, UNH achieves a 24.12% return, which is significantly higher than SWVXX's 1.45% return.

UNH

1D
1.78%
1M
7.00%
YTD
24.12%
6M
26.61%
1Y
37.87%
3Y*
-4.40%
5Y*
2.00%
10Y*
13.15%

SWVXX

1D
0.00%
1M
0.29%
YTD
1.45%
6M
1.77%
1Y
3.85%
3Y*
4.71%
5Y*
3.14%
10Y*
—
*Multi-year figures are annualized to reflect compound growth (CAGR)

UNH vs. SWVXX - Yearly Performance Comparison

2026 (YTD)20252024202320222021
UNH
UnitedHealth Group Incorporated		24.12%-33.14%-2.41%0.80%6.94%22.84%
SWVXX
Schwab Prime Advantage Money Fund Investor Shares		1.45%4.15%5.16%5.04%0.00%0.00%

Correlation

The correlation between UNH and SWVXX is -0.01, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

-0.01

Correlation (3Y)
Calculated over the trailing 3-year period

0.02

Correlation (5Y)
Calculated over the trailing 5-year period

0.00

Correlation (All Time)
Calculated using the full available price history since May 26, 2021

0.00

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UnitedHealth Group Incorporated

Schwab Prime Advantage Money Fund Investor Shares

Often compared with UNH:
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Often compared with SWVXX:
SWVXX vs. SGOVSWVXX vs. VMFXXSWVXX vs. SNSXXSWVXX vs. SPAXXSWVXX vs. SHVSWVXX vs. BILSWVXX vs. SWAGX

Return for Risk

UNH vs. SWVXX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
UNH
UNH Risk / Return Rank: 6868
Overall Rank
UNH Sharpe Ratio Rank: 7272
Sharpe Ratio Rank
UNH Sortino Ratio Rank: 6565
Sortino Ratio Rank
UNH Omega Ratio Rank: 7070
Omega Ratio Rank
UNH Calmar Ratio Rank: 6767
Calmar Ratio Rank
UNH Martin Ratio Rank: 6666
Martin Ratio Rank
SWVXX
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.

UNH vs. SWVXX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for UnitedHealth Group Incorporated (UNH) and Schwab Prime Advantage Money Fund Investor Shares (SWVXX). 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.

UNHSWVXXDifference
Sharpe ratioReturn per unit of total volatility
0.95
3.71

-2.76

Sortino ratioReturn per unit of downside risk
1.42

—

—

Omega ratioGain probability vs. loss probability

1.22

—

—

Calmar ratioReturn relative to maximum drawdown

1.31

—

—

Martin ratioReturn relative to average drawdown

2.88

—

—

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

UNH vs. SWVXX - Sharpe Ratio Comparison

The current UNH Sharpe Ratio is 0.95, which is lower than the SWVXX Sharpe Ratio of 3.71. The chart below compares the historical Sharpe Ratios of UNH and SWVXX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

UNHSWVXXDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

0.95

3.71

-2.76

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

0.06

2.95

-2.89

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.44

—

—

Sharpe Ratio (All Time)

Calculated using the full available price history

0.64

2.94

-2.30

Drawdowns

UNH vs. SWVXX - Drawdown Comparison

The maximum UNH drawdown since its inception was -74.37%, which is greater than SWVXX's maximum drawdown of 0.00%. Use the drawdown chart below to compare losses from any high point for UNH and SWVXX.

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Drawdown Indicators

UNHSWVXXDifference

Max Drawdown

Largest peak-to-trough decline

-74.37%

0.00%

-74.37%

Max Drawdown (1Y)

Largest decline over 1 year

-28.96%

0.00%

-28.96%

Max Drawdown (3Y)

Largest decline over 3 years

-61.39%

0.00%

-61.39%

Max Drawdown (5Y)

Largest decline over 5 years

-61.39%

0.00%

-61.39%

Max Drawdown (10Y)

Largest decline over 10 years

-61.39%

—

—

Current Drawdown

Current decline from peak

-32.60%

0.00%

-32.60%

Average Drawdown

Average peak-to-trough decline

-14.76%

0.00%

-14.76%

Ulcer Index

Depth and duration of drawdowns from previous peaks

13.19%

0.00%

+13.19%

Volatility

UNH vs. SWVXX - Volatility Comparison

UnitedHealth Group Incorporated (UNH) has a higher volatility of 8.29% compared to Schwab Prime Advantage Money Fund Investor Shares (SWVXX) at 0.29%. This indicates that UNH's price experiences larger fluctuations and is considered to be riskier than SWVXX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

UNHSWVXXDifference

Volatility (1M)

Calculated over the trailing 1-month period

8.29%

0.29%

+8.00%

Volatility (6M)

Calculated over the trailing 6-month period

30.87%

0.76%

+30.11%

Volatility (1Y)

Calculated over the trailing 1-year period

40.17%

1.10%

+39.07%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

31.87%

1.09%

+30.78%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

30.19%

1.09%

+29.10%

Dividends

UNH vs. SWVXX - Dividend Comparison

UNH's dividend yield for the trailing twelve months is around 2.17%, less than SWVXX's 3.77% yield.

PositionTTM20252024202320222021202020192018201720162015
SWVXX
Schwab Prime Advantage Money Fund Investor Shares		3.77%4.06%5.02%4.91%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
UNH
UnitedHealth Group Incorporated		2.17%2.64%1.62%1.38%1.21%1.12%1.38%1.41%1.38%1.30%1.48%1.59%

Frequently Asked Questions

UNH and SWVXX have a correlation of -0.01, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

UNH has higher volatility (8.29%) compared to SWVXX (0.29%). In terms of maximum drawdown, UNH dropped -74.37% vs SWVXX's 0.00%.

SWVXX currently has the higher Sharpe Ratio (3.71 vs 0.95), 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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