USIFX vs. FAOIX
USIFX (USAA International Fund) and FAOIX (Fidelity Advisor Overseas Fund Class I) are both Foreign Large Cap Equities funds. Over the past 10 years, USIFX returned 10.00%/yr vs 7.92%/yr for FAOIX. Their correlation of 0.89 suggests significant overlap in exposure. USIFX charges 1.02%/yr vs 1.12%/yr for FAOIX.
Performance
USIFX vs. FAOIX - Performance Comparison
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Returns By Period
Over the past 10 years, USIFX has outperformed FAOIX with an annualized return of 10.00%, while FAOIX has yielded a comparatively lower 7.92% annualized return.
USIFX
- 1D
- 0.35%
- 1M
- 0.47%
- 6M
- 8.38%
- YTD
- 12.24%
- 1Y
- 24.34%
- 3Y*
- 19.00%
- 5Y*
- 9.59%
- 10Y*
- 10.00%
FAOIX
- 1D
- 0.00%
- 1M
- 0.00%
- 6M
- 0.00%
- YTD
- 0.00%
- 1Y
- -2.95%
- 3Y*
- 9.23%
- 5Y*
- 3.24%
- 10Y*
- 7.92%
USIFX vs. FAOIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USIFX USAA International Fund | 12.24% | 33.11% | 4.75% | 17.47% | -15.92% | 14.83% | 3.26% | 22.76% | -14.15% | 28.14% |
FAOIX Fidelity Advisor Overseas Fund Class I | 0.00% | 15.25% | 4.92% | 20.35% | -24.38% | 19.23% | 15.08% | 27.82% | -14.85% | 30.05% |
Correlation
The correlation between USIFX and FAOIX is 0.49, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.49 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.77 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.85 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.88 |
Correlation (All Time) Calculated using the full available price history since Dec 31, 1993 | 0.89 |
Over the past year, the correlation between USIFX and FAOIX has dropped to 0.49 - well below their long-term average of 0.89, suggesting their price drivers have been diverging.
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Return for Risk
USIFX vs. FAOIX — Risk / Return Rank
USIFX
FAOIX
USIFX vs. FAOIX - 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 I (FAOIX). 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 | FAOIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.07 | ||
| Sortino ratioReturn per unit of downside risk | +2.85 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 0.88 | +0.39 |
| Calmar ratioReturn relative to maximum drawdown | 1.99 | -0.68 | +2.66 |
| Martin ratioReturn relative to average drawdown | 7.61 | -1.07 | +8.68 |
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Drawdowns
USIFX vs. FAOIX - Drawdown Comparison
The maximum USIFX drawdown since its inception was -53.23%, smaller than the maximum FAOIX drawdown of -59.86%. Use the drawdown chart below to compare losses from any high point for USIFX and FAOIX.
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Drawdown Indicators
| USIFX | FAOIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.23% | -59.86% | +6.63% |
Max Drawdown (1Y)Largest decline over 1 year | -11.74% | -7.28% | -4.46% |
Max Drawdown (3Y)Largest decline over 3 years | -13.61% | -13.98% | +0.37% |
Max Drawdown (5Y)Largest decline over 5 years | -32.00% | -36.33% | +4.33% |
Max Drawdown (10Y)Largest decline over 10 years | -36.76% | -36.33% | -0.43% |
Current DrawdownCurrent decline from peak | -1.06% | -5.85% | +4.79% |
Average DrawdownAverage peak-to-trough decline | -9.25% | -14.18% | +4.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.07% | 4.29% | -1.22% |
Volatility
USIFX vs. FAOIX - Volatility Comparison
USAA International Fund (USIFX) has a higher volatility of 5.55% compared to Fidelity Advisor Overseas Fund Class I (FAOIX) at 0.00%. This indicates that USIFX's price experiences larger fluctuations and is considered to be riskier than FAOIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USIFX | FAOIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.55% | 0.00% | +5.55% |
Volatility (6M)Calculated over the trailing 6-month period | 13.64% | 2.84% | +10.80% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.81% | 8.36% | +7.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.00% | 16.70% | +0.30% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.74% | 16.30% | +0.44% |
USIFX vs. FAOIX - Expense Ratio Comparison
USIFX has a 1.02% expense ratio, which is lower than FAOIX's 1.12% expense ratio.
Dividends
USIFX vs. FAOIX - Dividend Comparison
USIFX's dividend yield for the trailing twelve months is around 10.84%, more than FAOIX's 8.49% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FAOIX Fidelity Advisor Overseas Fund Class I | 8.49% | 8.49% | 1.66% | 0.96% | 0.63% | 2.06% | 0.00% | 1.35% | 5.09% | 3.79% | 1.49% | 0.63% |
USIFX USAA International Fund | 10.84% | 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 FAOIX have a correlation of 0.49, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USIFX has higher volatility (5.55%) compared to FAOIX (0.00%). In terms of maximum drawdown, USIFX dropped -53.23% vs FAOIX's -59.86%.
USIFX currently has the higher Sharpe Ratio (1.48 vs -0.59), 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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