URFFX vs. SWPPX
Compare and contrast key facts about USAA Target Retirement 2050 Fund (URFFX) and Schwab S&P 500 Index Fund (SWPPX).
URFFX is managed by Victory. It was launched on Jul 31, 2008. 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
URFFX vs. SWPPX - Performance Comparison
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URFFX vs. SWPPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
URFFX USAA Target Retirement 2050 Fund | -2.42% | 19.35% | 11.86% | 18.12% | -15.66% | 17.70% | 10.52% | 20.16% | -9.01% | 19.40% |
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, URFFX achieves a -2.42% return, which is significantly higher than SWPPX's -7.07% return. Over the past 10 years, URFFX has underperformed SWPPX with an annualized return of 9.12%, while SWPPX has yielded a comparatively higher 13.71% annualized return.
URFFX
- 1D
- -0.20%
- 1M
- -7.60%
- YTD
- -2.42%
- 6M
- 0.32%
- 1Y
- 16.55%
- 3Y*
- 13.52%
- 5Y*
- 7.68%
- 10Y*
- 9.12%
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%
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URFFX vs. SWPPX - Expense Ratio Comparison
URFFX has a 0.58% expense ratio, which is higher than SWPPX's 0.02% expense ratio.
Return for Risk
URFFX vs. SWPPX — Risk / Return Rank
URFFX
SWPPX
URFFX vs. SWPPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement 2050 Fund (URFFX) 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.
| URFFX | SWPPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.18 | 0.84 | +0.35 |
Sortino ratioReturn per unit of downside risk | 1.71 | 1.30 | +0.41 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.20 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.47 | 1.06 | +0.41 |
Martin ratioReturn relative to average drawdown | 7.11 | 5.14 | +1.97 |
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
| URFFX | SWPPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.18 | 0.84 | +0.35 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.68 | -0.12 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.76 | -0.12 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.42 | 0.48 | -0.06 |
Correlation
The correlation between URFFX and SWPPX is 0.94, 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
URFFX vs. SWPPX - Dividend Comparison
URFFX's dividend yield for the trailing twelve months is around 6.62%, more than SWPPX's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
URFFX USAA Target Retirement 2050 Fund | 6.62% | 6.46% | 2.61% | 3.39% | 11.40% | 8.13% | 6.25% | 11.76% | 10.21% | 5.55% | 3.91% | 2.57% |
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
URFFX vs. SWPPX - Drawdown Comparison
The maximum URFFX drawdown since its inception was -44.25%, smaller than the maximum SWPPX drawdown of -55.06%. Use the drawdown chart below to compare losses from any high point for URFFX and SWPPX.
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Drawdown Indicators
| URFFX | SWPPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -44.25% | -55.06% | +10.81% |
Max Drawdown (1Y)Largest decline over 1 year | -10.31% | -12.10% | +1.79% |
Max Drawdown (5Y)Largest decline over 5 years | -23.76% | -24.51% | +0.75% |
Max Drawdown (10Y)Largest decline over 10 years | -29.97% | -33.80% | +3.83% |
Current DrawdownCurrent decline from peak | -7.89% | -8.89% | +1.00% |
Average DrawdownAverage peak-to-trough decline | -5.97% | -10.00% | +4.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.13% | 2.49% | -0.36% |
Volatility
URFFX vs. SWPPX - Volatility Comparison
USAA Target Retirement 2050 Fund (URFFX) has a higher volatility of 4.52% compared to Schwab S&P 500 Index Fund (SWPPX) at 4.29%. This indicates that URFFX's price experiences larger fluctuations and is considered to be riskier than SWPPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| URFFX | SWPPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.52% | 4.29% | +0.23% |
Volatility (6M)Calculated over the trailing 6-month period | 8.23% | 9.11% | -0.88% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.06% | 18.14% | -4.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.79% | 16.89% | -3.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.29% | 18.19% | -3.90% |