USBSX vs. SWTSX
Compare and contrast key facts about USAA Cornerstone Moderate Fund (USBSX) and Schwab Total Stock Market Index Fund (SWTSX).
USBSX is managed by Victory Capital. It was launched on Aug 31, 1995. SWTSX is managed by Charles Schwab. It was launched on Jun 1, 1999.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: USBSX or SWTSX.
Key characteristics
| USBSX | SWTSX | |
|---|---|---|
| YTD Return | 8.87% | 17.67% |
| 1Y Return | 15.00% | 27.63% |
| 3Y Return (Ann) | 2.19% | 8.22% |
| 5Y Return (Ann) | 5.22% | 14.46% |
| 10Y Return (Ann) | 4.24% | 12.22% |
| Sharpe Ratio | 1.92 | 2.07 |
| Daily Std Dev | 7.73% | 13.18% |
| Max Drawdown | -47.15% | -54.60% |
| Current Drawdown | -0.38% | -0.69% |
Correlation
The correlation between USBSX and SWTSX is 0.93, 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.
Performance
USBSX vs. SWTSX - Performance Comparison
In the year-to-date period, USBSX achieves a 8.87% return, which is significantly lower than SWTSX's 17.67% return. Over the past 10 years, USBSX has underperformed SWTSX with an annualized return of 4.24%, while SWTSX has yielded a comparatively higher 12.22% annualized return. The chart below displays the growth of a $10,000 investment in both assets, with all prices adjusted for splits and dividends.
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USBSX vs. SWTSX - Expense Ratio Comparison
USBSX has a 1.14% expense ratio, which is higher than SWTSX's 0.03% expense ratio.
Risk-Adjusted Performance
USBSX vs. SWTSX - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Cornerstone Moderate Fund (USBSX) and Schwab Total Stock Market Index Fund (SWTSX). 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.
Dividends
USBSX vs. SWTSX - Dividend Comparison
USBSX's dividend yield for the trailing twelve months is around 1.65%, more than SWTSX's 1.19% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USBSX USAA Cornerstone Moderate Fund | 1.65% | 1.49% | 4.79% | 7.05% | 1.58% | 2.07% | 5.24% | 7.00% | 2.43% | 4.73% | 3.41% | 2.58% |
SWTSX Schwab Total Stock Market Index Fund | 1.19% | 1.41% | 1.62% | 1.46% | 1.63% | 1.92% | 2.58% | 1.83% | 2.32% | 2.79% | 2.23% | 1.95% |
Drawdowns
USBSX vs. SWTSX - Drawdown Comparison
The maximum USBSX drawdown since its inception was -47.15%, smaller than the maximum SWTSX drawdown of -54.60%. Use the drawdown chart below to compare losses from any high point for USBSX and SWTSX. For additional features, visit the drawdowns tool.
Volatility
USBSX vs. SWTSX - Volatility Comparison
The current volatility for USAA Cornerstone Moderate Fund (USBSX) is 1.98%, while Schwab Total Stock Market Index Fund (SWTSX) has a volatility of 4.01%. This indicates that USBSX experiences smaller price fluctuations and is considered to be less risky than SWTSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.