- ISIN
- US02629M1080
- 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
CTHAX Performance Chart
American Funds College 2030 Fund (CTHAX) is up 2.6% since the beginning of the year. CTHAX is currently trading at $14 per share. Investors who bought $1,000 worth of CTHAX shares 5 years ago would now be looking at an investment worth $1,222.
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Returns By Period
American Funds College 2030 Fund (CTHAX) has returned 2.61% so far this year and 7.22% over the past 12 months. Over the last ten years, CTHAX has returned 6.48% per year, falling short of the S&P 500 Index benchmark, which averaged 13.26% annually.
American Funds College 2030 Fund
- 1D
- 0.21%
- 1M
- -0.42%
- 6M
- 1.51%
- YTD
- 2.61%
- 1Y
- 7.22%
- 3Y*
- 8.56%
- 5Y*
- 4.09%
- 10Y*
- 6.48%
- ALL TIME*
- 7.04%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
CTHAX Monthly Returns History
Based on dividend-adjusted daily data since Jan 2, 2013, CTHAX's average daily return is +0.03%, while the average monthly return is +0.59%. At this rate, an investment would double in approximately 9.8 years.
Historically, 67% of months were positive and 33% were negative. The best month was Nov 2020 with a return of +6.4%, while the worst month was Sep 2022 at -6.1%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 4 months.
On a daily basis, CTHAX closed higher 51% of trading days. The best single day was Mar 24, 2020 with a return of +3.5%, while the worst single day was Mar 16, 2020 at -4.9%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.09% | 1.65% | -2.97% | 2.11% | 0.93% | 0.28% | -0.42% | 2.61% | |||||
| 2025 | 1.84% | 1.43% | -0.89% | 0.15% | 1.35% | 2.51% | 0.00% | 1.73% | 1.20% | 0.42% | 1.18% | 0.10% | 11.55% |
| 2024 | 0.24% | 0.63% | 1.89% | -2.55% | 2.22% | 1.16% | 2.61% | 1.87% | 1.47% | -1.81% | 1.62% | -1.79% | 7.66% |
| 2023 | 3.46% | -2.69% | 2.35% | 0.98% | -1.70% | 1.48% | 1.38% | -1.20% | -2.92% | -1.59% | 5.69% | 4.08% | 9.26% |
| 2022 | -2.58% | -1.40% | -0.45% | -4.57% | 1.02% | -4.35% | 3.41% | -2.75% | -6.05% | 2.58% | 5.03% | -1.62% | -11.69% |
| 2021 | -0.63% | 0.77% | 1.73% | 2.05% | 1.27% | 0.07% | 0.92% | 0.92% | -2.07% | 2.45% | -0.97% | 2.51% | 9.28% |
Benchmark Metrics
American Funds College 2030 Fund has an annualized alpha of 1.27%, beta of 0.43, and R2 of 0.77 versus S&P 500 Index. Calculated based on daily prices since January 02, 2013.
- This fund participated in 56.73% of S&P 500 Index downside but only 48.72% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.43 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
- 1.27%
- Beta
- 0.43
- R²
- 0.77
- Upside Capture
- 48.72%
- Downside Capture
- 56.73%
Expense Ratio
CTHAX has an expense ratio of 0.41%, placing it in the medium range.
Return for Risk
Risk / Return Rank
CTHAX ranks 55 for risk / return — above 55% of mutual funds peers on PortfoliosLab. Its historical combined result is near the middle of the peer group.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for American Funds College 2030 Fund (CTHAX) 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.
| CTHAX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.18 | ||
| Sortino ratioReturn per unit of downside risk | +0.30 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.25 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 1.78 | 2.00 | -0.22 |
| Martin ratioReturn relative to average drawdown | 7.29 | 8.49 | -1.20 |
Dividends
Dividend History
American Funds College 2030 Fund provided a 5.41% dividend yield over the last twelve months, with an annual payout of $0.76 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 | $0.76 | $0.76 | $0.51 | $0.37 | $0.48 | $1.73 | $0.81 | $0.62 | $0.79 | $0.51 | $0.52 | $0.48 |
Dividend yield | 5.41% | 5.55% | 3.94% | 2.98% | 4.05% | 12.40% | 5.63% | 4.55% | 6.43% | 3.74% | 4.26% | 4.01% |
Monthly Dividends
The table displays the monthly dividend distributions for American Funds College 2030 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 | $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 | $0.76 | $0.76 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.51 | $0.51 |
| 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 | $0.48 | $0.48 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.73 | $1.73 |
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 2030 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 2030 Fund was 17.17%, occurring on Mar 23, 2020. Recovery took 53 trading sessions.
The current American Funds College 2030 Fund drawdown is 0.56%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-17.17%Mar 2020 | 1mo 2d | 2mo 17d | 3mo 19dFeb 2020 - Jun 2020 | COVID crash2020 |
-17.11%Oct 2022 | 9mo 14d | 1y 8mo | 2y 5moJan 2022 - Jun 2024 | Bear market2022 |
-11.97%Feb 2016 | 8mo 25d | 5mo 4d | 1y 1moMay 2015 - Jul 2016 | — |
-10.67%Dec 2018 | 10mo 29d | 3mo 22d | 1y 2moJan 2018 - Apr 2019 | Rate-hike selloffLate 2018 |
-7.17%Jun 2013 | 1mo 3d | 1mo 8d | 2mo 11dMay 2013 - Aug 2013 | — |
Drawdown Indicators
| CTHAX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.17% | -56.78% | +39.61% |
Max Drawdown (1Y)Largest decline over 1 year | -4.03% | -9.10% | +5.07% |
Max Drawdown (3Y)Largest decline over 3 years | -5.41% | -18.90% | +13.49% |
Max Drawdown (5Y)Largest decline over 5 years | -17.11% | -25.43% | +8.32% |
Max Drawdown (10Y)Largest decline over 10 years | -17.17% | -33.92% | +16.75% |
Current DrawdownCurrent decline from peak | -0.56% | -1.58% | +1.02% |
Average DrawdownAverage peak-to-trough decline | -2.78% | -10.70% | +7.92% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.98% | 2.14% | -1.16% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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