URFRX vs. SCHX
Compare and contrast key facts about USAA Target Retirement 2040 Fund (URFRX) and Schwab U.S. Large-Cap ETF (SCHX).
URFRX is managed by Victory. It was launched on Jul 30, 2008. 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
URFRX vs. SCHX - Performance Comparison
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URFRX vs. SCHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
URFRX USAA Target Retirement 2040 Fund | -1.97% | 17.49% | 10.37% | 16.75% | -14.86% | 15.88% | 9.22% | 19.57% | -8.52% | 18.48% |
SCHX Schwab U.S. Large-Cap ETF | -4.45% | 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, URFRX achieves a -1.97% return, which is significantly higher than SCHX's -4.45% return. Over the past 10 years, URFRX has underperformed SCHX with an annualized return of 8.43%, while SCHX has yielded a comparatively higher 13.93% annualized return.
URFRX
- 1D
- -0.14%
- 1M
- -6.63%
- YTD
- -1.97%
- 6M
- 0.59%
- 1Y
- 14.82%
- 3Y*
- 12.25%
- 5Y*
- 6.89%
- 10Y*
- 8.43%
SCHX
- 1D
- 2.89%
- 1M
- -4.98%
- YTD
- -4.45%
- 6M
- -2.09%
- 1Y
- 17.48%
- 3Y*
- 18.24%
- 5Y*
- 11.12%
- 10Y*
- 13.93%
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URFRX vs. SCHX - Expense Ratio Comparison
URFRX has a 0.02% expense ratio, which is lower than SCHX's 0.03% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
URFRX vs. SCHX — Risk / Return Rank
URFRX
SCHX
URFRX vs. SCHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement 2040 Fund (URFRX) 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.
| URFRX | SCHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.25 | 0.96 | +0.29 |
Sortino ratioReturn per unit of downside risk | 1.79 | 1.46 | +0.33 |
Omega ratioGain probability vs. loss probability | 1.27 | 1.22 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.53 | 1.49 | +0.05 |
Martin ratioReturn relative to average drawdown | 7.40 | 6.98 | +0.42 |
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
| URFRX | SCHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.25 | 0.96 | +0.29 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.65 | -0.09 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | 0.77 | -0.12 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.48 | 0.80 | -0.32 |
Correlation
The correlation between URFRX and SCHX 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
URFRX vs. SCHX - Dividend Comparison
URFRX's dividend yield for the trailing twelve months is around 7.19%, more than SCHX's 1.17% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
URFRX USAA Target Retirement 2040 Fund | 7.19% | 7.05% | 2.78% | 3.94% | 10.68% | 7.78% | 5.49% | 12.74% | 9.99% | 6.53% | 3.95% | 2.55% |
SCHX Schwab U.S. Large-Cap ETF | 1.17% | 1.09% | 1.22% | 1.39% | 1.64% | 1.22% | 1.64% | 1.82% | 2.02% | 1.70% | 1.92% | 2.04% |
Drawdowns
URFRX vs. SCHX - Drawdown Comparison
The maximum URFRX drawdown since its inception was -39.33%, which is greater than SCHX's maximum drawdown of -34.33%. Use the drawdown chart below to compare losses from any high point for URFRX and SCHX.
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Drawdown Indicators
| URFRX | SCHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -39.33% | -34.33% | -5.00% |
Max Drawdown (1Y)Largest decline over 1 year | -8.86% | -12.19% | +3.33% |
Max Drawdown (5Y)Largest decline over 5 years | -22.27% | -25.41% | +3.14% |
Max Drawdown (10Y)Largest decline over 10 years | -28.59% | -34.33% | +5.74% |
Current DrawdownCurrent decline from peak | -6.88% | -6.40% | -0.48% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -4.00% | -1.23% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.84% | 2.60% | -0.76% |
Volatility
URFRX vs. SCHX - Volatility Comparison
The current volatility for USAA Target Retirement 2040 Fund (URFRX) is 3.88%, while Schwab U.S. Large-Cap ETF (SCHX) has a volatility of 5.31%. This indicates that URFRX 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
| URFRX | SCHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.88% | 5.31% | -1.43% |
Volatility (6M)Calculated over the trailing 6-month period | 6.98% | 9.64% | -2.66% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.91% | 18.33% | -6.42% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.27% | 17.14% | -4.87% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.03% | 18.13% | -5.10% |