URINX vs. SCHX
Compare and contrast key facts about USAA Target Retirement Income Fund (URINX) and Schwab U.S. Large-Cap ETF (SCHX).
URINX 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
URINX vs. SCHX - Performance Comparison
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URINX vs. SCHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
URINX USAA Target Retirement Income Fund | 0.62% | 12.36% | 6.66% | 10.79% | -10.38% | 6.47% | 8.74% | 11.72% | -3.00% | 8.34% |
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, URINX achieves a 0.62% return, which is significantly higher than SCHX's -3.70% return. Over the past 10 years, URINX has underperformed SCHX with an annualized return of 5.47%, while SCHX has yielded a comparatively higher 14.02% annualized return.
URINX
- 1D
- 1.07%
- 1M
- -2.47%
- YTD
- 0.62%
- 6M
- 2.27%
- 1Y
- 10.88%
- 3Y*
- 8.94%
- 5Y*
- 4.52%
- 10Y*
- 5.47%
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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URINX vs. SCHX - Expense Ratio Comparison
URINX has a 0.04% expense ratio, which is higher than SCHX's 0.03% expense ratio. However, 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
URINX vs. SCHX — Risk / Return Rank
URINX
SCHX
URINX vs. SCHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement Income Fund (URINX) 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.
| URINX | SCHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.83 | 0.98 | +0.85 |
Sortino ratioReturn per unit of downside risk | 2.62 | 1.50 | +1.12 |
Omega ratioGain probability vs. loss probability | 1.38 | 1.23 | +0.15 |
Calmar ratioReturn relative to maximum drawdown | 2.52 | 1.51 | +1.01 |
Martin ratioReturn relative to average drawdown | 10.91 | 7.02 | +3.89 |
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
| URINX | SCHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.83 | 0.98 | +0.85 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.73 | 0.66 | +0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.95 | 0.78 | +0.17 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.11 | 0.80 | +0.30 |
Correlation
The correlation between URINX and SCHX is 0.85, 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
URINX vs. SCHX - Dividend Comparison
URINX's dividend yield for the trailing twelve months is around 6.08%, more than SCHX's 1.16% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
URINX USAA Target Retirement Income Fund | 6.08% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
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
URINX vs. SCHX - Drawdown Comparison
The maximum URINX drawdown since its inception was -15.27%, smaller than the maximum SCHX drawdown of -34.33%. Use the drawdown chart below to compare losses from any high point for URINX and SCHX.
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Drawdown Indicators
| URINX | SCHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.27% | -34.33% | +19.06% |
Max Drawdown (1Y)Largest decline over 1 year | -4.41% | -12.19% | +7.78% |
Max Drawdown (5Y)Largest decline over 5 years | -15.27% | -25.41% | +10.14% |
Max Drawdown (10Y)Largest decline over 10 years | -15.27% | -34.33% | +19.06% |
Current DrawdownCurrent decline from peak | -2.81% | -5.67% | +2.86% |
Average DrawdownAverage peak-to-trough decline | -1.93% | -4.00% | +2.07% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.02% | 2.62% | -1.60% |
Volatility
URINX vs. SCHX - Volatility Comparison
The current volatility for USAA Target Retirement Income Fund (URINX) is 2.61%, while Schwab U.S. Large-Cap ETF (SCHX) has a volatility of 5.36%. This indicates that URINX 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
| URINX | SCHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.61% | 5.36% | -2.75% |
Volatility (6M)Calculated over the trailing 6-month period | 3.83% | 9.67% | -5.84% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.07% | 18.33% | -12.26% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.23% | 17.13% | -10.90% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.79% | 18.13% | -12.34% |