USGRX vs. VSTSX
Compare and contrast key facts about USAA Growth & Income Fund (USGRX) and Vanguard Total Stock Market Index Fund Institutional Select Shares (VSTSX).
USGRX is managed by Victory. It was launched on Jun 1, 1993. VSTSX is managed by Vanguard. It was launched on Jun 27, 2016.
Performance
USGRX vs. VSTSX - Performance Comparison
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USGRX vs. VSTSX - 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% | 19.69% |
VSTSX Vanguard Total Stock Market Index Fund Institutional Select Shares | -6.74% | 17.16% | 23.27% | 26.54% | -19.49% | 25.75% | 21.02% | 30.81% | -5.15% | 20.21% |
Returns By Period
In the year-to-date period, USGRX achieves a -3.62% return, which is significantly higher than VSTSX's -6.74% 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%
VSTSX
- 1D
- -0.46%
- 1M
- -7.71%
- YTD
- -6.74%
- 6M
- -4.45%
- 1Y
- 14.80%
- 3Y*
- 16.73%
- 5Y*
- 10.15%
- 10Y*
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USGRX vs. VSTSX - Expense Ratio Comparison
USGRX has a 0.81% expense ratio, which is higher than VSTSX's 0.01% expense ratio.
Return for Risk
USGRX vs. VSTSX — Risk / Return Rank
USGRX
VSTSX
USGRX vs. VSTSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Growth & Income Fund (USGRX) and Vanguard Total Stock Market Index Fund Institutional Select Shares (VSTSX). 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 | VSTSX | 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 | 1.05 | +0.14 |
Martin ratioReturn relative to average drawdown | 5.85 | 5.10 | +0.75 |
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 | VSTSX | 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 | 0.59 | -0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.59 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.47 | 0.70 | -0.23 |
Correlation
The correlation between USGRX and VSTSX is 0.96, 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. VSTSX - Dividend Comparison
USGRX's dividend yield for the trailing twelve months is around 8.53%, more than VSTSX's 1.23% 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% |
VSTSX Vanguard Total Stock Market Index Fund Institutional Select Shares | 1.23% | 1.13% | 1.27% | 1.43% | 1.67% | 1.23% | 1.44% | 1.79% | 2.07% | 1.74% | 0.00% | 0.00% |
Drawdowns
USGRX vs. VSTSX - Drawdown Comparison
The maximum USGRX drawdown since its inception was -56.93%, which is greater than VSTSX's maximum drawdown of -34.97%. Use the drawdown chart below to compare losses from any high point for USGRX and VSTSX.
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Drawdown Indicators
| USGRX | VSTSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -56.93% | -34.97% | -21.96% |
Max Drawdown (1Y)Largest decline over 1 year | -11.70% | -12.41% | +0.71% |
Max Drawdown (5Y)Largest decline over 5 years | -30.81% | -25.35% | -5.46% |
Max Drawdown (10Y)Largest decline over 10 years | -34.48% | — | — |
Current DrawdownCurrent decline from peak | -8.74% | -8.92% | +0.18% |
Average DrawdownAverage peak-to-trough decline | -8.75% | -4.97% | -3.78% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.37% | 2.56% | -0.19% |
Volatility
USGRX vs. VSTSX - Volatility Comparison
The current volatility for USAA Growth & Income Fund (USGRX) is 3.30%, while Vanguard Total Stock Market Index Fund Institutional Select Shares (VSTSX) has a volatility of 4.40%. This indicates that USGRX experiences smaller price fluctuations and is considered to be less risky than VSTSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USGRX | VSTSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.30% | 4.40% | -1.10% |
Volatility (6M)Calculated over the trailing 6-month period | 7.75% | 9.33% | -1.58% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.33% | 18.42% | -2.09% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 20.90% | 17.33% | +3.57% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 20.10% | 18.84% | +1.26% |