USBSX vs. SWISX
Compare and contrast key facts about USAA Cornerstone Moderate Fund (USBSX) and Schwab International Index Fund (SWISX).
USBSX is managed by Victory. It was launched on Aug 31, 1995. SWISX is a passively managed fund by Charles Schwab that tracks the performance of the MSCI EAFE Index. It was launched on May 19, 1997.
Performance
USBSX vs. SWISX - Performance Comparison
Loading graphics...
USBSX vs. SWISX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USBSX USAA Cornerstone Moderate Fund | -1.85% | 14.93% | 6.90% | 10.86% | -13.36% | 9.48% | 8.54% | 14.98% | -6.23% | 13.41% |
SWISX Schwab International Index Fund | -1.95% | 31.59% | 3.54% | 18.13% | -14.30% | 11.25% | 8.14% | 21.87% | -13.38% | 25.32% |
Returns By Period
In the year-to-date period, USBSX achieves a -1.85% return, which is significantly higher than SWISX's -1.95% return. Over the past 10 years, USBSX has underperformed SWISX with an annualized return of 5.79%, while SWISX has yielded a comparatively higher 8.51% annualized return.
USBSX
- 1D
- 0.00%
- 1M
- -5.73%
- YTD
- -1.85%
- 6M
- 0.34%
- 1Y
- 11.83%
- 3Y*
- 8.78%
- 5Y*
- 4.42%
- 10Y*
- 5.79%
SWISX
- 1D
- 0.32%
- 1M
- -10.91%
- YTD
- -1.95%
- 6M
- 2.32%
- 1Y
- 19.51%
- 3Y*
- 13.26%
- 5Y*
- 7.79%
- 10Y*
- 8.51%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
USBSX vs. SWISX - Expense Ratio Comparison
USBSX has a 1.14% expense ratio, which is higher than SWISX's 0.06% expense ratio.
Return for Risk
USBSX vs. SWISX — Risk / Return Rank
USBSX
SWISX
USBSX vs. SWISX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Cornerstone Moderate Fund (USBSX) and Schwab International Index Fund (SWISX). 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.
| USBSX | SWISX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.31 | 1.08 | +0.23 |
Sortino ratioReturn per unit of downside risk | 1.86 | 1.52 | +0.34 |
Omega ratioGain probability vs. loss probability | 1.27 | 1.22 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.74 | 1.51 | +0.22 |
Martin ratioReturn relative to average drawdown | 7.62 | 5.81 | +1.80 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| USBSX | SWISX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.31 | 1.08 | +0.23 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.45 | 0.49 | -0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.62 | 0.51 | +0.11 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.53 | 0.29 | +0.25 |
Correlation
The correlation between USBSX and SWISX is 0.73, 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
USBSX vs. SWISX - Dividend Comparison
USBSX's dividend yield for the trailing twelve months is around 9.05%, more than SWISX's 3.62% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USBSX USAA Cornerstone Moderate Fund | 9.05% | 8.75% | 6.17% | 1.49% | 4.79% | 7.05% | 1.58% | 2.07% | 5.24% | 7.00% | 2.43% | 4.73% |
SWISX Schwab International Index Fund | 3.62% | 3.55% | 3.29% | 3.31% | 2.73% | 3.34% | 1.88% | 3.09% | 3.15% | 2.71% | 3.19% | 2.71% |
Drawdowns
USBSX vs. SWISX - Drawdown Comparison
The maximum USBSX drawdown since its inception was -47.15%, smaller than the maximum SWISX drawdown of -60.65%. Use the drawdown chart below to compare losses from any high point for USBSX and SWISX.
Loading graphics...
Drawdown Indicators
| USBSX | SWISX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -47.15% | -60.65% | +13.50% |
Max Drawdown (1Y)Largest decline over 1 year | -6.55% | -11.39% | +4.84% |
Max Drawdown (5Y)Largest decline over 5 years | -22.63% | -29.42% | +6.79% |
Max Drawdown (10Y)Largest decline over 10 years | -22.63% | -33.83% | +11.20% |
Current DrawdownCurrent decline from peak | -5.96% | -10.91% | +4.95% |
Average DrawdownAverage peak-to-trough decline | -5.14% | -14.88% | +9.74% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.50% | 2.97% | -1.47% |
Volatility
USBSX vs. SWISX - Volatility Comparison
The current volatility for USAA Cornerstone Moderate Fund (USBSX) is 3.41%, while Schwab International Index Fund (SWISX) has a volatility of 7.16%. This indicates that USBSX experiences smaller price fluctuations and is considered to be less risky than SWISX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| USBSX | SWISX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.41% | 7.16% | -3.75% |
Volatility (6M)Calculated over the trailing 6-month period | 5.71% | 10.88% | -5.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.16% | 17.01% | -7.85% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.82% | 16.06% | -6.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.34% | 16.79% | -7.45% |