- ISIN
- US02629M6030
- Issuer
- American Funds
- Inception Date
- Sep 13, 2012
- Category
- Diversified Portfolio
- Min. Investment
- $250
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
CSTAX Performance Chart
American Funds College 2027 Fund (CSTAX) is up 1.6% since the beginning of the year. CSTAX is currently trading at $12 per share. Investors who bought $1,000 worth of CSTAX shares 5 years ago would now be looking at an investment worth $1,151.
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Returns By Period
American Funds College 2027 Fund (CSTAX) has returned 1.55% so far this year and 5.87% over the past 12 months. Over the last ten years, CSTAX has returned 5.16% per year, falling short of the S&P 500 Index benchmark, which averaged 13.91% annually.
American Funds College 2027 Fund
- 1D
- 0.32%
- 1M
- 0.32%
- YTD
- 1.55%
- 6M
- 1.46%
- 1Y
- 5.87%
- 3Y*
- 6.93%
- 5Y*
- 2.86%
- 10Y*
- 5.16%
Benchmark (S&P 500 Index)
- 1D
- -0.01%
- 1M
- -2.15%
- YTD
- 7.48%
- 6M
- 6.14%
- 1Y
- 20.77%
- 3Y*
- 19.34%
- 5Y*
- 11.44%
- 10Y*
- 13.91%
CSTAX Monthly Returns History
Based on dividend-adjusted daily data since Jan 2, 2013, CSTAX's average daily return is +0.02%, while the average monthly return is +0.47%. At this rate, an investment would double in approximately 12.3 years.
Historically, 66% of months were positive and 34% were negative. The best month was Nov 2023 with a return of +4.6%, while the worst month was Sep 2022 at -5.3%. The longest winning streak lasted 14 consecutive months, and the longest losing streak was 4 months.
On a daily basis, CSTAX closed higher 49% of trading days. The best single day was Mar 24, 2020 with a return of +2.6%, while the worst single day was Mar 12, 2020 at -3.6%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.65% | 1.21% | -2.00% | 1.14% | 0.56% | 0.00% | 1.55% | ||||||
| 2025 | 1.35% | 1.33% | -0.33% | 0.41% | 0.49% | 1.88% | -0.16% | 1.44% | 0.87% | 0.39% | 0.86% | 0.13% | 9.00% |
| 2024 | 0.26% | -0.26% | 1.37% | -2.12% | 1.73% | 1.02% | 2.35% | 1.64% | 1.29% | -1.68% | 1.14% | -1.21% | 5.57% |
| 2023 | 2.75% | -2.50% | 2.30% | 0.78% | -1.54% | 0.44% | 0.87% | -0.86% | -2.25% | -1.33% | 4.59% | 3.46% | 6.57% |
| 2022 | -1.70% | -1.02% | -1.03% | -3.45% | 0.91% | -3.13% | 2.80% | -2.56% | -5.26% | 1.43% | 4.15% | -1.09% | -9.87% |
| 2021 | -0.46% | 0.23% | 1.53% | 1.51% | 0.97% | 0.07% | 0.88% | 0.44% | -1.38% | 1.40% | -0.51% | 1.70% | 6.52% |
Benchmark Metrics
American Funds College 2027 Fund has an annualized alpha of 1.58%, beta of 0.30, and R2 of 0.63 versus S&P 500 Index. Calculated based on daily prices since January 02, 2013.
- This fund participated in 42.92% of S&P 500 Index downside but only 36.53% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.30 indicates this fund moves significantly less than S&P 500 Index - a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 1.58%
- Beta
- 0.30
- R²
- 0.63
- Upside Capture
- 36.53%
- Downside Capture
- 42.92%
Expense Ratio
CSTAX has an expense ratio of 0.41%, placing it in the medium range.
Return for Risk
Risk / Return Rank
CSTAX ranks 56 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for American Funds College 2027 Fund (CSTAX) and compare them to S&P 500 Index.
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.
| CSTAX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.22 | ||
| Sortino ratioReturn per unit of downside risk | +0.48 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.30 | +0.07 |
| Calmar ratioReturn relative to maximum drawdown | 2.17 | 2.29 | -0.13 |
| Martin ratioReturn relative to average drawdown | 8.19 | 10.09 | -1.90 |
Dividends
Dividend History
American Funds College 2027 Fund provided a 5.18% dividend yield over the last twelve months, with an annual payout of $0.65 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.65 | $0.65 | $0.45 | $0.37 | $0.38 | $0.97 | $0.75 | $0.51 | $0.56 | $0.49 | $0.51 | $0.52 |
Dividend yield | 5.18% | 5.26% | 3.78% | 3.17% | 3.40% | 7.52% | 5.72% | 4.00% | 4.78% | 3.90% | 4.34% | 4.49% |
Monthly Dividends
The table displays the monthly dividend distributions for American Funds College 2027 Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.65 | $0.65 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.45 | $0.45 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.37 | $0.37 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.38 | $0.38 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.97 | $0.97 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the American Funds College 2027 Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the American Funds College 2027 Fund was 14.52%, occurring on Oct 20, 2022. Recovery took 445 trading sessions.
The current American Funds College 2027 Fund drawdown is 0.32%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -14.52%Oct 2022 | 9mo 20d | 1y 9mo | 2y 7moJan 2022 - Jul 2024 |
COVID crash2020 | -12.72%Mar 2020 | 1mo 2d | 2mo 14d | 3mo 16dFeb 2020 - Jun 2020 |
2016 pullback2016 | -9.35%Feb 2016 | 9mo 20d | 3mo 28d | 1y 1moApr 2015 - Jun 2016 |
Rate-hike selloffLate 2018 | -7.36%Dec 2018 | 10mo 29d | 2mo 27d | 1y 1moJan 2018 - Mar 2019 |
2013 pullback2013 | -6.32%Jun 2013 | 1mo 3d | 1mo 8d | 2mo 11dMay 2013 - Aug 2013 |
Drawdown Indicators
| CSTAX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.52% | -56.78% | +42.26% |
Max Drawdown (1Y)Largest decline over 1 year | -2.72% | -9.10% | +6.38% |
Max Drawdown (3Y)Largest decline over 3 years | -4.89% | -18.90% | +14.01% |
Max Drawdown (5Y)Largest decline over 5 years | -14.52% | -25.43% | +10.91% |
Max Drawdown (10Y)Largest decline over 10 years | -14.52% | -33.92% | +19.40% |
Current DrawdownCurrent decline from peak | -0.32% | -3.32% | +3.00% |
Average DrawdownAverage peak-to-trough decline | -2.34% | -10.71% | +8.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.72% | 2.06% | -1.34% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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