USGRX vs. SWPPX
Compare and contrast key facts about USAA Growth & Income Fund (USGRX) and Schwab S&P 500 Index Fund (SWPPX).
USGRX is managed by Victory. It was launched on Jun 1, 1993. SWPPX is a passively managed fund by Charles Schwab that tracks the performance of the S&P 500 Index. It was launched on May 19, 1997.
Performance
USGRX vs. SWPPX - Performance Comparison
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USGRX vs. SWPPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USGRX USAA Growth & Income Fund | -3.62% | 15.94% | 21.47% | 26.69% | -18.52% | 22.53% | 17.45% | 21.78% | -8.76% | 20.67% |
SWPPX Schwab S&P 500 Index Fund | -7.07% | 17.87% | 24.96% | 26.26% | -18.14% | 28.67% | 18.38% | 31.46% | -4.47% | 21.81% |
Returns By Period
In the year-to-date period, USGRX achieves a -3.62% return, which is significantly higher than SWPPX's -7.07% return. Over the past 10 years, USGRX has underperformed SWPPX with an annualized return of 11.84%, while SWPPX has yielded a comparatively higher 13.71% annualized return.
USGRX
- 1D
- -0.12%
- 1M
- -6.55%
- YTD
- -3.62%
- 6M
- -1.19%
- 1Y
- 14.91%
- 3Y*
- 17.05%
- 5Y*
- 10.48%
- 10Y*
- 11.84%
SWPPX
- 1D
- -0.37%
- 1M
- -7.65%
- YTD
- -7.07%
- 6M
- -4.58%
- 1Y
- 14.43%
- 3Y*
- 17.15%
- 5Y*
- 11.39%
- 10Y*
- 13.71%
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USGRX vs. SWPPX - Expense Ratio Comparison
USGRX has a 0.81% expense ratio, which is higher than SWPPX's 0.02% expense ratio.
Return for Risk
USGRX vs. SWPPX — Risk / Return Rank
USGRX
SWPPX
USGRX vs. SWPPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Growth & Income Fund (USGRX) and Schwab S&P 500 Index Fund (SWPPX). 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 | SWPPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.97 | 0.84 | +0.13 |
Sortino ratioReturn per unit of downside risk | 1.45 | 1.30 | +0.15 |
Omega ratioGain probability vs. loss probability | 1.22 | 1.20 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.19 | 1.06 | +0.13 |
Martin ratioReturn relative to average drawdown | 5.85 | 5.14 | +0.71 |
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 | SWPPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.97 | 0.84 | +0.13 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.68 | -0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.59 | 0.76 | -0.17 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.47 | 0.48 | -0.01 |
Correlation
The correlation between USGRX and SWPPX is 0.97, 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. SWPPX - Dividend Comparison
USGRX's dividend yield for the trailing twelve months is around 8.53%, more than SWPPX's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USGRX USAA Growth & Income Fund | 8.53% | 8.06% | 20.65% | 0.93% | 12.58% | 11.97% | 0.84% | 24.69% | 11.92% | 5.12% | 1.26% | 6.45% |
SWPPX Schwab S&P 500 Index Fund | 1.19% | 1.11% | 1.23% | 1.43% | 1.67% | 1.27% | 1.81% | 1.95% | 2.67% | 1.79% | 2.55% | 3.17% |
Drawdowns
USGRX vs. SWPPX - Drawdown Comparison
The maximum USGRX drawdown since its inception was -56.93%, roughly equal to the maximum SWPPX drawdown of -55.06%. Use the drawdown chart below to compare losses from any high point for USGRX and SWPPX.
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Drawdown Indicators
| USGRX | SWPPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -56.93% | -55.06% | -1.87% |
Max Drawdown (1Y)Largest decline over 1 year | -11.70% | -12.10% | +0.40% |
Max Drawdown (5Y)Largest decline over 5 years | -30.81% | -24.51% | -6.30% |
Max Drawdown (10Y)Largest decline over 10 years | -34.48% | -33.80% | -0.68% |
Current DrawdownCurrent decline from peak | -8.74% | -8.89% | +0.15% |
Average DrawdownAverage peak-to-trough decline | -8.75% | -10.00% | +1.25% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.37% | 2.49% | -0.12% |
Volatility
USGRX vs. SWPPX - Volatility Comparison
The current volatility for USAA Growth & Income Fund (USGRX) is 3.30%, while Schwab S&P 500 Index Fund (SWPPX) has a volatility of 4.29%. This indicates that USGRX experiences smaller price fluctuations and is considered to be less risky than SWPPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USGRX | SWPPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.30% | 4.29% | -0.99% |
Volatility (6M)Calculated over the trailing 6-month period | 7.75% | 9.11% | -1.36% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.33% | 18.14% | -1.81% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 20.90% | 16.89% | +4.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 20.10% | 18.19% | +1.91% |