USIBX vs. USSCX
USIBX (USAA Intermediate Term Bond Fund) and USSCX (USAA Science & Technology Fund) are both mutual funds - USIBX is a Intermediate Core-Plus Bond fund managed by Victory, while USSCX is a Technology Equities fund managed by Victory. Over the past 10 years, USIBX returned 2.86%/yr vs 15.29%/yr for USSCX. At a correlation of -0.10, they often move in opposite directions. USIBX charges 0.63%/yr vs 0.95%/yr for USSCX.
Performance
USIBX vs. USSCX - Performance Comparison
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Returns By Period
In the year-to-date period, USIBX achieves a 0.33% return, which is significantly lower than USSCX's 21.67% return. Over the past 10 years, USIBX has underperformed USSCX with an annualized return of 2.86%, while USSCX has yielded a comparatively higher 15.29% annualized return.
USIBX
- 1D
- -0.11%
- 1M
- -0.16%
- 6M
- 0.23%
- YTD
- 0.33%
- 1Y
- 4.48%
- 3Y*
- 4.93%
- 5Y*
- 0.64%
- 10Y*
- 2.86%
USSCX
- 1D
- -0.35%
- 1M
- 4.31%
- 6M
- 18.84%
- YTD
- 21.67%
- 1Y
- 36.73%
- 3Y*
- 26.36%
- 5Y*
- 6.13%
- 10Y*
- 15.29%
USIBX vs. USSCX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USIBX USAA Intermediate Term Bond Fund | 0.33% | 7.48% | 2.84% | 6.74% | -12.69% | 0.85% | 9.64% | 11.07% | -0.97% | 5.91% |
USSCX USAA Science & Technology Fund | 21.67% | 17.93% | 30.58% | 34.01% | -41.76% | -3.45% | 60.62% | 37.84% | -4.34% | 36.06% |
Correlation
The correlation between USIBX and USSCX is 0.21, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.21 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.15 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.14 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.05 |
Correlation (All Time) Calculated using the full available price history since Jul 30, 1999 | -0.10 |
The correlation between USIBX and USSCX shifts across timeframes, from -0.10 (all time) to 0.21 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
USIBX vs. USSCX — Risk / Return Rank
USIBX
USSCX
USIBX vs. USSCX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Intermediate Term Bond Fund (USIBX) and USAA Science & Technology Fund (USSCX). 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.
| USIBX | USSCX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.51 | ||
| Sortino ratioReturn per unit of downside risk | -0.51 | ||
| Omega ratioGain probability vs. loss probability | 1.19 | 1.27 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 1.41 | 1.96 | -0.55 |
| Martin ratioReturn relative to average drawdown | 4.15 | 6.56 | -2.41 |
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Drawdowns
USIBX vs. USSCX - Drawdown Comparison
The maximum USIBX drawdown since its inception was -18.49%, smaller than the maximum USSCX drawdown of -79.48%. Use the drawdown chart below to compare losses from any high point for USIBX and USSCX.
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Drawdown Indicators
| USIBX | USSCX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.49% | -79.48% | +60.99% |
Max Drawdown (1Y)Largest decline over 1 year | -2.87% | -18.19% | +15.32% |
Max Drawdown (3Y)Largest decline over 3 years | -5.37% | -28.82% | +23.45% |
Max Drawdown (5Y)Largest decline over 5 years | -18.49% | -52.07% | +33.58% |
Max Drawdown (10Y)Largest decline over 10 years | -18.49% | -52.70% | +34.21% |
Current DrawdownCurrent decline from peak | -1.42% | -1.58% | +0.16% |
Average DrawdownAverage peak-to-trough decline | -2.56% | -30.95% | +28.39% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.98% | 5.43% | -4.45% |
Volatility
USIBX vs. USSCX - Volatility Comparison
The current volatility for USAA Intermediate Term Bond Fund (USIBX) is 1.14%, while USAA Science & Technology Fund (USSCX) has a volatility of 8.84%. This indicates that USIBX experiences smaller price fluctuations and is considered to be less risky than USSCX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USIBX | USSCX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.14% | 8.84% | -7.70% |
Volatility (6M)Calculated over the trailing 6-month period | 3.02% | 18.84% | -15.82% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.83% | 22.73% | -18.90% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.75% | 29.02% | -23.27% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.73% | 26.66% | -21.93% |
USIBX vs. USSCX - Expense Ratio Comparison
USIBX has a 0.63% expense ratio, which is lower than USSCX's 0.95% expense ratio.
Dividends
USIBX vs. USSCX - Dividend Comparison
USIBX's dividend yield for the trailing twelve months is around 4.78%, less than USSCX's 7.74% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USIBX USAA Intermediate Term Bond Fund | 4.78% | 4.56% | 4.47% | 3.71% | 3.17% | 4.92% | 6.84% | 4.93% | 3.67% | 3.45% | 3.86% | 4.35% |
USSCX USAA Science & Technology Fund | 7.74% | 9.42% | 0.00% | 0.00% | 0.00% | 15.49% | 5.36% | 27.99% | 16.68% | 8.31% | 4.15% | 6.54% |
Frequently Asked Questions
USIBX and USSCX have a correlation of 0.21, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USSCX has higher volatility (8.84%) compared to USIBX (1.14%). In terms of maximum drawdown, USIBX dropped -18.49% vs USSCX's -79.48%.
USSCX currently has the higher Sharpe Ratio (1.57 vs 1.06), 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.
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