USIFX vs. FAOCX
USIFX (USAA International Fund) and FAOCX (Fidelity Advisor Overseas Fund Class C) are both Foreign Large Cap Equities funds. Over the past 10 years, USIFX returned 10.54%/yr vs 6.48%/yr for FAOCX. Their correlation of 0.87 suggests significant overlap in exposure. USIFX charges 1.02%/yr vs 2.25%/yr for FAOCX.
Performance
USIFX vs. FAOCX - Performance Comparison
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Returns By Period
Over the past 10 years, USIFX has outperformed FAOCX with an annualized return of 10.54%, while FAOCX has yielded a comparatively lower 6.48% annualized return.
USIFX
- 1D
- 0.12%
- 1M
- 2.18%
- YTD
- 12.99%
- 6M
- 12.51%
- 1Y
- 27.98%
- 3Y*
- 19.84%
- 5Y*
- 9.85%
- 10Y*
- 10.54%
FAOCX
- 1D
- 0.00%
- 1M
- 0.00%
- YTD
- 0.00%
- 6M
- 0.00%
- 1Y
- -1.01%
- 3Y*
- 6.99%
- 5Y*
- 2.79%
- 10Y*
- 6.48%
USIFX vs. FAOCX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USIFX USAA International Fund | 12.99% | 33.11% | 4.75% | 17.47% | -15.92% | 14.83% | 3.26% | 22.76% | -14.15% | 28.14% |
FAOCX Fidelity Advisor Overseas Fund Class C | 0.00% | 14.19% | 3.86% | 19.03% | -25.22% | 17.97% | 13.77% | 26.37% | -15.77% | 28.58% |
Correlation
The correlation between USIFX and FAOCX 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 | 0.79 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.86 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.89 |
Correlation (All Time) Calculated using the full available price history since Dec 31, 1993 | 0.87 |
Over the past year, the correlation between USIFX and FAOCX has dropped to 0.53 - well below their long-term average of 0.87, suggesting their price drivers have been diverging.
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Return for Risk
USIFX vs. FAOCX — Risk / Return Rank
USIFX
FAOCX
USIFX vs. FAOCX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA International Fund (USIFX) and Fidelity Advisor Overseas Fund Class C (FAOCX). 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.
| USIFX | FAOCX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.97 | ||
| Sortino ratioReturn per unit of downside risk | +2.68 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 0.99 | +0.36 |
| Calmar ratioReturn relative to maximum drawdown | 2.46 | -0.13 | +2.59 |
| Martin ratioReturn relative to average drawdown | 9.45 | -0.21 | +9.66 |
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Drawdowns
USIFX vs. FAOCX - Drawdown Comparison
The maximum USIFX drawdown since its inception was -53.23%, smaller than the maximum FAOCX drawdown of -60.45%. Use the drawdown chart below to compare losses from any high point for USIFX and FAOCX.
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Drawdown Indicators
| USIFX | FAOCX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.23% | -60.45% | +7.22% |
Max Drawdown (1Y)Largest decline over 1 year | -11.74% | -7.33% | -4.41% |
Max Drawdown (3Y)Largest decline over 3 years | -13.61% | -14.05% | +0.44% |
Max Drawdown (5Y)Largest decline over 5 years | -32.00% | -36.96% | +4.96% |
Max Drawdown (10Y)Largest decline over 10 years | -36.76% | -36.96% | +0.20% |
Current DrawdownCurrent decline from peak | 0.00% | -5.90% | +5.90% |
Average DrawdownAverage peak-to-trough decline | -9.26% | -15.61% | +6.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.04% | 4.17% | -1.13% |
Volatility
USIFX vs. FAOCX - Volatility Comparison
USAA International Fund (USIFX) has a higher volatility of 5.19% compared to Fidelity Advisor Overseas Fund Class C (FAOCX) at 0.00%. This indicates that USIFX's price experiences larger fluctuations and is considered to be riskier than FAOCX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USIFX | FAOCX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.19% | 0.00% | +5.19% |
Volatility (6M)Calculated over the trailing 6-month period | 13.19% | 3.64% | +9.55% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.53% | 8.76% | +6.77% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.96% | 16.71% | +0.25% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.93% | 16.64% | +0.29% |
USIFX vs. FAOCX - Expense Ratio Comparison
USIFX has a 1.02% expense ratio, which is lower than FAOCX's 2.25% expense ratio.
Dividends
USIFX vs. FAOCX - Dividend Comparison
USIFX's dividend yield for the trailing twelve months is around 10.76%, more than FAOCX's 8.26% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FAOCX Fidelity Advisor Overseas Fund Class C | 8.26% | 8.26% | 0.40% | 0.00% | 0.00% | 2.22% | 0.00% | 0.51% | 3.72% | 3.07% | 0.12% | 0.00% |
USIFX USAA International Fund | 10.76% | 12.16% | 5.44% | 1.87% | 2.94% | 8.74% | 1.91% | 25.11% | 8.50% | 3.07% | 1.55% | 5.64% |
Frequently Asked Questions
USIFX and FAOCX 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.
USIFX has higher volatility (5.19%) compared to FAOCX (0.00%). In terms of maximum drawdown, USIFX dropped -53.23% vs FAOCX's -60.45%.
USIFX currently has the higher Sharpe Ratio (1.86 vs -0.11), 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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