USISX vs. SCHX
Compare and contrast key facts about USAA Income Stock Fund (USISX) and Schwab U.S. Large-Cap ETF (SCHX).
USISX is managed by Victory. It was launched on May 4, 1987. SCHX is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Large-Cap Total Stock Market Index. It was launched on Nov 3, 2009.
Performance
USISX vs. SCHX - Performance Comparison
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USISX vs. SCHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USISX USAA Income Stock Fund | 4.24% | 13.44% | 13.52% | 12.10% | -4.42% | 26.52% | 0.32% | 23.67% | -5.51% | 16.66% |
SCHX Schwab U.S. Large-Cap ETF | -3.70% | 17.46% | 24.88% | 26.84% | -19.41% | 26.81% | 20.81% | 31.22% | -4.66% | 21.95% |
Returns By Period
In the year-to-date period, USISX achieves a 4.24% return, which is significantly higher than SCHX's -3.70% return. Over the past 10 years, USISX has underperformed SCHX with an annualized return of 10.54%, while SCHX has yielded a comparatively higher 14.02% annualized return.
USISX
- 1D
- 1.39%
- 1M
- -3.84%
- YTD
- 4.24%
- 6M
- 6.70%
- 1Y
- 16.20%
- 3Y*
- 14.72%
- 5Y*
- 10.48%
- 10Y*
- 10.54%
SCHX
- 1D
- 0.78%
- 1M
- -4.31%
- YTD
- -3.70%
- 6M
- -1.70%
- 1Y
- 17.91%
- 3Y*
- 18.55%
- 5Y*
- 11.30%
- 10Y*
- 14.02%
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USISX vs. SCHX - Expense Ratio Comparison
USISX has a 0.70% expense ratio, which is higher than SCHX's 0.03% expense ratio.
Return for Risk
USISX vs. SCHX — Risk / Return Rank
USISX
SCHX
USISX vs. SCHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Income Stock Fund (USISX) and Schwab U.S. Large-Cap ETF (SCHX). 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.
| USISX | SCHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.06 | 0.98 | +0.08 |
Sortino ratioReturn per unit of downside risk | 1.53 | 1.50 | +0.04 |
Omega ratioGain probability vs. loss probability | 1.22 | 1.23 | 0.00 |
Calmar ratioReturn relative to maximum drawdown | 1.48 | 1.51 | -0.03 |
Martin ratioReturn relative to average drawdown | 6.86 | 7.02 | -0.16 |
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
| USISX | SCHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.06 | 0.98 | +0.08 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.66 | -0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.59 | 0.78 | -0.19 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.80 | -0.28 |
Correlation
The correlation between USISX and SCHX is 0.89, 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
USISX vs. SCHX - Dividend Comparison
USISX's dividend yield for the trailing twelve months is around 9.67%, more than SCHX's 1.16% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
USISX USAA Income Stock Fund | 9.67% | 9.77% | 18.68% | 5.85% | 9.94% | 10.24% | 2.06% | 20.13% | 9.01% | 7.92% | 2.32% | 6.04% |
SCHX Schwab U.S. Large-Cap ETF | 1.16% | 1.09% | 1.22% | 1.39% | 1.64% | 1.22% | 1.64% | 1.82% | 2.02% | 1.70% | 1.92% | 2.04% |
Drawdowns
USISX vs. SCHX - Drawdown Comparison
The maximum USISX drawdown since its inception was -58.46%, which is greater than SCHX's maximum drawdown of -34.33%. Use the drawdown chart below to compare losses from any high point for USISX and SCHX.
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Drawdown Indicators
| USISX | SCHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -58.46% | -34.33% | -24.13% |
Max Drawdown (1Y)Largest decline over 1 year | -11.59% | -12.19% | +0.60% |
Max Drawdown (5Y)Largest decline over 5 years | -24.19% | -25.41% | +1.22% |
Max Drawdown (10Y)Largest decline over 10 years | -36.00% | -34.33% | -1.67% |
Current DrawdownCurrent decline from peak | -3.94% | -5.67% | +1.73% |
Average DrawdownAverage peak-to-trough decline | -7.84% | -4.00% | -3.84% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.49% | 2.62% | -0.13% |
Volatility
USISX vs. SCHX - Volatility Comparison
The current volatility for USAA Income Stock Fund (USISX) is 3.18%, while Schwab U.S. Large-Cap ETF (SCHX) has a volatility of 5.36%. This indicates that USISX experiences smaller price fluctuations and is considered to be less risky than SCHX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USISX | SCHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.18% | 5.36% | -2.18% |
Volatility (6M)Calculated over the trailing 6-month period | 7.73% | 9.67% | -1.94% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.06% | 18.33% | -3.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.96% | 17.13% | +0.83% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 18.04% | 18.13% | -0.09% |