USGRX vs. SCHG
Compare and contrast key facts about USAA Growth & Income Fund (USGRX) and Schwab U.S. Large-Cap Growth ETF (SCHG).
USGRX is managed by Victory. It was launched on Jun 1, 1993. SCHG is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Large-Cap Growth Total Stock Market Index. It was launched on Dec 11, 2009.
Performance
USGRX vs. SCHG - Performance Comparison
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USGRX vs. SCHG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USGRX USAA Growth & Income Fund | -1.48% | 15.94% | 21.47% | 26.69% | -18.52% | 22.53% | 17.45% | 21.78% | -8.76% | 20.67% |
SCHG Schwab U.S. Large-Cap Growth ETF | -9.73% | 17.50% | 34.95% | 50.10% | -31.80% | 28.11% | 39.14% | 36.02% | -1.36% | 28.05% |
Returns By Period
In the year-to-date period, USGRX achieves a -1.48% return, which is significantly higher than SCHG's -9.73% return. Over the past 10 years, USGRX has underperformed SCHG with an annualized return of 12.09%, while SCHG has yielded a comparatively higher 16.95% annualized return.
USGRX
- 1D
- 2.22%
- 1M
- -4.54%
- YTD
- -1.48%
- 6M
- 0.66%
- 1Y
- 17.31%
- 3Y*
- 17.91%
- 5Y*
- 10.67%
- 10Y*
- 12.09%
SCHG
- 1D
- 0.96%
- 1M
- -4.46%
- YTD
- -9.73%
- 6M
- -8.15%
- 1Y
- 17.00%
- 3Y*
- 22.30%
- 5Y*
- 12.76%
- 10Y*
- 16.95%
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USGRX vs. SCHG - Expense Ratio Comparison
USGRX has a 0.81% expense ratio, which is higher than SCHG's 0.04% expense ratio.
Return for Risk
USGRX vs. SCHG — Risk / Return Rank
USGRX
SCHG
USGRX vs. SCHG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Growth & Income Fund (USGRX) and Schwab U.S. Large-Cap Growth ETF (SCHG). 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.
| USGRX | SCHG | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.07 | 0.76 | +0.31 |
Sortino ratioReturn per unit of downside risk | 1.59 | 1.24 | +0.35 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.17 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.56 | 1.09 | +0.47 |
Martin ratioReturn relative to average drawdown | 7.61 | 3.71 | +3.91 |
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
| USGRX | SCHG | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.07 | 0.76 | +0.31 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.51 | 0.57 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.60 | 0.79 | -0.19 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.47 | 0.79 | -0.32 |
Correlation
The correlation between USGRX and SCHG is 0.92, 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
USGRX vs. SCHG - Dividend Comparison
USGRX's dividend yield for the trailing twelve months is around 8.34%, more than SCHG's 0.43% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USGRX USAA Growth & Income Fund | 8.34% | 8.06% | 20.65% | 0.93% | 12.58% | 11.97% | 0.84% | 24.69% | 11.92% | 5.12% | 1.26% | 6.45% |
SCHG Schwab U.S. Large-Cap Growth ETF | 0.43% | 0.36% | 0.39% | 0.46% | 0.55% | 0.42% | 0.52% | 0.82% | 1.27% | 1.01% | 1.04% | 1.22% |
Drawdowns
USGRX vs. SCHG - Drawdown Comparison
The maximum USGRX drawdown since its inception was -56.93%, which is greater than SCHG's maximum drawdown of -34.59%. Use the drawdown chart below to compare losses from any high point for USGRX and SCHG.
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Drawdown Indicators
| USGRX | SCHG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -56.93% | -34.59% | -22.34% |
Max Drawdown (1Y)Largest decline over 1 year | -11.70% | -16.41% | +4.71% |
Max Drawdown (5Y)Largest decline over 5 years | -30.81% | -34.59% | +3.78% |
Max Drawdown (10Y)Largest decline over 10 years | -34.48% | -34.59% | +0.11% |
Current DrawdownCurrent decline from peak | -6.71% | -12.51% | +5.80% |
Average DrawdownAverage peak-to-trough decline | -8.75% | -5.22% | -3.53% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.40% | 4.84% | -2.44% |
Volatility
USGRX vs. SCHG - Volatility Comparison
The current volatility for USAA Growth & Income Fund (USGRX) is 4.14%, while Schwab U.S. Large-Cap Growth ETF (SCHG) has a volatility of 6.77%. This indicates that USGRX experiences smaller price fluctuations and is considered to be less risky than SCHG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USGRX | SCHG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.14% | 6.77% | -2.63% |
Volatility (6M)Calculated over the trailing 6-month period | 8.06% | 12.54% | -4.48% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.44% | 22.45% | -6.01% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 20.92% | 22.31% | -1.39% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 20.12% | 21.51% | -1.39% |