USPVX vs. RIDAX

Last updated Aug 1, 2026

USPVX (Union Street Partners Value Fund) and RIDAX (The Income Fund of America Class R-1) are both Large Cap Value Equities funds. Over the past 10 years, USPVX returned 10.85%/yr vs 7.48%/yr for RIDAX. Their correlation of 0.84 means they have usually moved in the same direction. USPVX charges 1.50%/yr vs 1.36%/yr for RIDAX.

Performance

USPVX vs. RIDAX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Union Street Partners Value Fund (USPVX) and The Income Fund of America Class R-1 (RIDAX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, USPVX achieves a 9.30% return, which is significantly higher than RIDAX's 7.96% return. Over the past 10 years, USPVX has outperformed RIDAX with an annualized return of 10.85%, while RIDAX has yielded a comparatively lower 7.48% annualized return.

USPVX

• 1D: 0.47%
• 1M: 2.92%
• 6M: 7.47%
• YTD: 9.30%
• 1Y: 19.62%
• 3Y*: 9.66%
• 5Y*: 8.73%
• 10Y*: 10.85%
• ALL TIME*: 9.92%

RIDAX

• 1D: 0.25%
• 1M: 1.17%
• 6M: 4.21%
• YTD: 7.96%
• 1Y: 15.38%
• 3Y*: 12.18%
• 5Y*: 7.40%
• 10Y*: 7.48%
• ALL TIME*: 8.28%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
RIDAX The Income Fund of America Class R-1	$0.00	$0.00	$0.00
USPVX Union Street Partners Value Fund	$0.00	$0.00	$0.00

USPVX vs. RIDAX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
USPVX Union Street Partners Value Fund	9.30%	12.71%	5.21%	18.51%	-8.38%	28.06%	6.30%	30.09%	-11.62%	9.01%
RIDAX The Income Fund of America Class R-1	7.96%	16.83%	9.49%	6.16%	-7.14%	16.47%	3.68%	17.57%	-6.06%	11.86%

Correlation

The correlation between USPVX and RIDAX is 0.74, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.74
Correlation (3Y) Balances recent behavior with more history.	0.75
Correlation (5Y) Shows whether the relationship held over a longer period.	0.81
Correlation (10Y) Provides a long-term view across more market conditions.	0.82
Correlation (All Time) Calculated using the full available price history since Dec 31, 2010	0.84

The correlation between USPVX and RIDAX has been stable across timeframes, ranging from 0.74 to 0.84 - a consistent structural relationship.

Return for Risk

USPVX vs. RIDAX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

USPVX

USPVX Risk / Return Rank: 52
USPVX Sharpe Ratio Rank: 56
USPVX Sortino Ratio Rank: 61
USPVX Omega Ratio Rank: 51
USPVX Calmar Ratio Rank: 47
USPVX Martin Ratio Rank: 44

RIDAX

RIDAX Risk / Return Rank: 76
RIDAX Sharpe Ratio Rank: 82
RIDAX Sortino Ratio Rank: 80
RIDAX Omega Ratio Rank: 78
RIDAX Calmar Ratio Rank: 72
RIDAX Martin Ratio Rank: 67

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

USPVX vs. RIDAX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Union Street Partners Value Fund (USPVX) and The Income Fund of America Class R-1 (RIDAX). 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.

	USPVX	RIDAX	Difference
Sharpe ratio: Return per unit of total volatility	1.52	1.95	-0.43
Sortino ratio: Return per unit of downside risk	2.26	2.79	-0.53
Omega ratio: Gain probability vs. loss probability	1.27	1.35	-0.08
Calmar ratio: Return relative to maximum drawdown	1.92	2.34	-0.42
Martin ratio: Return relative to average drawdown	6.73	8.35	-1.61

USPVX vs. RIDAX - Sharpe Ratio Comparison

The current USPVX Sharpe Ratio is 1.52, which is comparable to the RIDAX Sharpe Ratio of 1.95. The chart below compares the historical Sharpe Ratios of USPVX and RIDAX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

USPVX vs. RIDAX - Drawdown Comparison

The maximum USPVX drawdown since its inception was -35.42%, smaller than the maximum RIDAX drawdown of -42.37%. Use the drawdown chart below to compare losses from any high point for USPVX and RIDAX.

Drawdown Indicators

	USPVX	RIDAX	Difference
Max Drawdown Largest peak-to-trough decline	-35.42%	-42.37%	+6.95%
Max Drawdown (1Y) Largest decline over 1 year	-9.51%	-6.13%	-3.38%
Max Drawdown (3Y) Largest decline over 3 years	-20.74%	-8.71%	-12.03%
Max Drawdown (5Y) Largest decline over 5 years	-22.45%	-16.28%	-6.17%
Max Drawdown (10Y) Largest decline over 10 years	-35.42%	-26.22%	-9.20%
Current Drawdown Current decline from peak	-0.49%	-0.18%	-0.31%
Average Drawdown Average peak-to-trough decline	-4.78%	-4.38%	-0.40%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.71%	1.72%	+0.99%

Volatility

USPVX vs. RIDAX - Volatility Comparison

Union Street Partners Value Fund (USPVX) has a higher volatility of 3.52% compared to The Income Fund of America Class R-1 (RIDAX) at 1.96%. This indicates that USPVX's price experiences larger fluctuations and is considered to be riskier than RIDAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	USPVX	RIDAX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.52%	1.96%	+1.56%
Volatility (6M) Calculated over the trailing 6-month period	9.20%	5.82%	+3.38%
Volatility (1Y) Calculated over the trailing 1-year period	12.06%	7.37%	+4.69%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.95%	9.45%	+6.50%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	18.54%	10.64%	+7.90%

USPVX vs. RIDAX - Expense Ratio Comparison

USPVX has a 1.50% expense ratio, which is higher than RIDAX's 1.36% expense ratio.

Dividends

USPVX vs. RIDAX - Dividend Comparison

USPVX's dividend yield for the trailing twelve months is around 2.29%, less than RIDAX's 8.60% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
RIDAX The Income Fund of America Class R-1	8.60%	9.24%	5.14%	2.38%	6.20%	5.92%	2.09%	4.25%	6.58%	3.68%	2.32%	4.26%
USPVX Union Street Partners Value Fund	2.29%	2.50%	0.00%	0.62%	0.49%	0.00%	0.00%	0.91%	2.24%	1.00%	2.53%	2.43%

Frequently Asked Questions

Can I hold both USPVX and RIDAX in my portfolio?

USPVX and RIDAX have a correlation of 0.74, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, USPVX or RIDAX?

USPVX has higher volatility (3.52%) compared to RIDAX (1.96%). In terms of maximum drawdown, USPVX dropped -35.42% vs RIDAX's -42.37%.

Which has better risk-adjusted returns?

RIDAX currently has the higher Sharpe Ratio (1.95 vs 1.52), 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.