USBSX vs. TPDAX

Last updated Jun 26, 2026

USBSX (USAA Cornerstone Moderate Fund) and TPDAX (Timothy Plan Defensive Strategies Fund) are both Diversified Portfolio funds. Over the past 10 years, USBSX returned 6.63%/yr vs 6.56%/yr for TPDAX. A 0.72 correlation means they provide meaningful diversification when combined. USBSX charges 1.14%/yr vs 1.37%/yr for TPDAX.

Performance

USBSX vs. TPDAX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in USAA Cornerstone Moderate Fund (USBSX) and Timothy Plan Defensive Strategies Fund (TPDAX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, USBSX achieves a 6.62% return, which is significantly higher than TPDAX's 5.72% return. Both investments have delivered pretty close results over the past 10 years, with USBSX having a 6.63% annualized return and TPDAX not far behind at 6.56%.

USBSX

• 1D: 0.12%
• 1M: -0.04%
• YTD: 6.62%
• 6M: 5.88%
• 1Y: 16.06%
• 3Y*: 11.63%
• 5Y*: 5.24%
• 10Y*: 6.63%

TPDAX

• 1D: -1.16%
• 1M: -5.53%
• YTD: 5.72%
• 6M: 4.36%
• 1Y: 19.37%
• 3Y*: 14.03%
• 5Y*: 7.87%
• 10Y*: 6.56%

*Multi-year figures are annualized to reflect compound growth (CAGR)

USBSX vs. TPDAX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
USBSX USAA Cornerstone Moderate Fund	6.62%	14.93%	6.90%	10.86%	-13.36%	9.48%	8.54%	14.98%	-6.23%	13.41%
TPDAX Timothy Plan Defensive Strategies Fund	5.72%	23.97%	5.29%	7.71%	-5.63%	12.15%	8.83%	13.77%	-7.24%	4.14%

Correlation

The correlation between USBSX and TPDAX is 0.53, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.53
Correlation (3Y) Calculated over the trailing 3-year period	0.59
Correlation (5Y) Calculated over the trailing 5-year period	0.67
Correlation (10Y) Calculated over the trailing 10-year period	0.69
Correlation (All Time) Calculated using the full available price history since Nov 5, 2009	0.72

The correlation between USBSX and TPDAX shifts across timeframes, from 0.53 (1 year) to 0.72 (all time), reflecting how their relationship changes across market environments.

Return for Risk

USBSX vs. TPDAX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

USBSX

USBSX Risk / Return Rank: 67
USBSX Sharpe Ratio Rank: 64
USBSX Sortino Ratio Rank: 65
USBSX Omega Ratio Rank: 66
USBSX Calmar Ratio Rank: 66
USBSX Martin Ratio Rank: 72

TPDAX

TPDAX Risk / Return Rank: 42
TPDAX Sharpe Ratio Rank: 44
TPDAX Sortino Ratio Rank: 36
TPDAX Omega Ratio Rank: 43
TPDAX Calmar Ratio Rank: 48
TPDAX Martin Ratio Rank: 38

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

USBSX vs. TPDAX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for USAA Cornerstone Moderate Fund (USBSX) and Timothy Plan Defensive Strategies Fund (TPDAX). 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.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	USBSX	TPDAX	Difference
Sharpe ratio: Return per unit of total volatility	1.92	1.61	+0.31
Sortino ratio: Return per unit of downside risk	2.73	2.10	+0.63
Omega ratio: Gain probability vs. loss probability	1.36	1.29	+0.07
Calmar ratio: Return relative to maximum drawdown	2.68	2.31	+0.37
Martin ratio: Return relative to average drawdown	11.44	7.19	+4.25

USBSX vs. TPDAX - Sharpe Ratio Comparison

The current USBSX Sharpe Ratio is 1.92, which is comparable to the TPDAX Sharpe Ratio of 1.61. The chart below compares the historical Sharpe Ratios of USBSX and TPDAX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

USBSX vs. TPDAX - Drawdown Comparison

The maximum USBSX drawdown since its inception was -47.15%, which is greater than TPDAX's maximum drawdown of -22.29%. Use the drawdown chart below to compare losses from any high point for USBSX and TPDAX.

Drawdown Indicators

	USBSX	TPDAX	Difference
Max Drawdown Largest peak-to-trough decline	-47.15%	-22.29%	-24.86%
Max Drawdown (1Y) Largest decline over 1 year	-5.96%	-8.09%	+2.13%
Max Drawdown (3Y) Largest decline over 3 years	-10.05%	-8.09%	-1.96%
Max Drawdown (5Y) Largest decline over 5 years	-22.63%	-17.58%	-5.05%
Max Drawdown (10Y) Largest decline over 10 years	-22.63%	-22.29%	-0.34%
Current Drawdown Current decline from peak	-1.12%	-8.09%	+6.97%
Average Drawdown Average peak-to-trough decline	-5.11%	-4.92%	-0.19%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.39%	2.59%	-1.20%

Volatility

USBSX vs. TPDAX - Volatility Comparison

USAA Cornerstone Moderate Fund (USBSX) and Timothy Plan Defensive Strategies Fund (TPDAX) have volatilities of 3.61% and 3.46%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	USBSX	TPDAX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.61%	3.46%	+0.15%
Volatility (6M) Calculated over the trailing 6-month period	7.10%	9.97%	-2.87%
Volatility (1Y) Calculated over the trailing 1-year period	8.35%	11.61%	-3.26%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	10.02%	10.23%	-0.21%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	9.43%	9.94%	-0.51%

USBSX vs. TPDAX - Expense Ratio Comparison

USBSX has a 1.14% expense ratio, which is lower than TPDAX's 1.37% expense ratio.

Dividends

USBSX vs. TPDAX - Dividend Comparison

USBSX's dividend yield for the trailing twelve months is around 8.43%, more than TPDAX's 0.76% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TPDAX Timothy Plan Defensive Strategies Fund	0.76%	0.80%	2.76%	2.35%	4.48%	0.50%	0.00%	2.89%	2.69%	0.13%	0.33%	0.00%
USBSX USAA Cornerstone Moderate Fund	8.43%	8.75%	6.17%	1.49%	4.79%	7.05%	1.58%	2.07%	5.24%	7.00%	2.43%	4.73%

Frequently Asked Questions

Can I hold both USBSX and TPDAX in my portfolio?

USBSX and TPDAX have a correlation of 0.53, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, USBSX or TPDAX?

USBSX has higher volatility (3.61%) compared to TPDAX (3.46%). In terms of maximum drawdown, USBSX dropped -47.15% vs TPDAX's -22.29%.

Which has better risk-adjusted returns?

USBSX currently has the higher Sharpe Ratio (1.92 vs 1.61), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.