American Funds 2045 Target Date Retirement Fund Class R-6 (RFHTX) belongs to the Target Retirement Date category. Below you'll find alternative mutual funds from the same category, ranked by key criteria, plus funds that investors commonly compare with RFHTX. Use the tables to find lower-cost options, better risk-adjusted returns, or a closer substitute for your current allocation.
Cheapest Alternatives to RFHTX
RFHTX charges 0.37% annually. There are 296 mutual funds in the Target Retirement Date category with lower expense ratios, going as low as 0.01%.
| Symbol | Name | Expense Ratio | AUM | Inception | |
|---|---|---|---|---|---|
| John Hancock Funds Multi-Index 2045 Lifetime Portf... | 0.01% | — | Nov 2013 | RFHTX vs JRLVX | |
| Principal LifeTime 2045 Fund | 0.01% | — | Feb 2008 | RFHTX vs LTRIX | |
| Principal LifeTime 2050 Fund | 0.01% | — | Feb 2001 | RFHTX vs PPLIX | |
| Principal LifeTime 2055 Fund | 0.01% | — | Feb 2008 | RFHTX vs LTFIX | |
| John Hancock Funds Multi-Index 2060 Lifetime Portf... | 0.01% | — | Mar 2016 | RFHTX vs JIEHX |
Best Risk-Adjusted Alternatives to RFHTX
RFHTX has a PortfoliosLab risk / return rank of 51. There are 537 mutual funds in the Target Retirement Date category with higher risk-adjusted ranks, going as high as 86.
| Symbol | Name | Risk / Return Rank | AUM | Inception | |
|---|---|---|---|---|---|
| State Street Target Retirement Fund | 86 | — | Sep 2014 | RFHTX vs SSFNX | |
| USAA Target Retirement Income Fund | 85 | — | Jul 2008 | RFHTX vs URINX | |
| Prudential Day One Income Fund | 85 | — | Dec 2016 | RFHTX vs PDAHX | |
| State Street Target Retirement 2025 Fund | 83 | — | Sep 2014 | RFHTX vs SSBRX | |
| USAA Target Retirement 2030 Fund | 83 | — | Jul 2008 | RFHTX vs URTRX |
Top Performing RFHTX Alternatives (YTD)
RFHTX is at 9.10% YTD. There are 286 mutual funds in the Target Retirement Date category with higher YTD returns, going as high as 13.54%.
| Symbol | Name | YTD Return | AUM | Inception | |
|---|---|---|---|---|---|
| USAA Target Retirement 2060 Fund | 13.54% | — | Jul 2013 | RFHTX vs URSIX | |
| USAA Target Retirement 2050 Fund | 13.05% | — | Jul 2008 | RFHTX vs URFFX | |
| Fidelity Flex Freedom Blend 2060 Fund | 12.89% | — | Jun 2017 | RFHTX vs FWLSX | |
| Fidelity Flex Freedom Blend 2065 Fund | 12.86% | — | Jun 2019 | RFHTX vs FDFPX | |
| Fidelity Flex Freedom Blend 2055 Fund | 12.80% | — | Jun 2017 | RFHTX vs FQLSX |
Lowest Volatility Alternatives to RFHTX
RFHTX has 12.25% 1-year volatility. There are 395 mutual funds in the Target Retirement Date category with lower 1-year volatility, going as low as 3.51%.
| Symbol | Name | Volatility 1Y | AUM | Inception | |
|---|---|---|---|---|---|
| Dimensional Retirement Income Fund | 3.51% | — | Nov 2015 | RFHTX vs TDIFX | |
| Fidelity Freedom Index Retirement Fund Investor Cl... | 4.43% | — | Oct 2009 | RFHTX vs FIKFX | |
| Fidelity Freedom Index Income Fund Institutional P... | 4.46% | — | Oct 2009 | RFHTX vs FFGZX | |
| MFS Lifetime Income Fund | 4.50% | — | Sep 2005 | RFHTX vs MLLIX | |
| Dimensional 2015 Target Date Retirement Income Fun... | 4.51% | — | Nov 2015 | RFHTX vs DRIQX |
Lowest Drawdown Alternatives to RFHTX
RFHTX has a 1-year max drawdown of -9.16%. There are 482 mutual funds in the Target Retirement Date category with shallower 1-year drawdowns, going as shallow as -2.61%.
| Symbol | Name | Max Drawdown 1Y | AUM | Inception | |
|---|---|---|---|---|---|
| Dimensional Retirement Income Fund | -2.61% | — | Nov 2015 | RFHTX vs TDIFX | |
| Fidelity Freedom Index Retirement Fund Investor Cl... | -3.32% | — | Oct 2009 | RFHTX vs FIKFX | |
| Fidelity Freedom Index Income Fund Institutional P... | -3.33% | — | Oct 2009 | RFHTX vs FFGZX | |
| Dimensional 2015 Target Date Retirement Income Fun... | -3.47% | — | Nov 2015 | RFHTX vs DRIQX | |
| Putnam RetirementReady Maturity Fund | -3.50% | — | Oct 2004 | RFHTX vs PRMYX |
Other Mutual Funds from American Funds
The 10 most viewed American Funds mutual funds shown here include ABALX, AIVSX, AWSHX and span 7 categories.
Often Compared With RFHTX
Investors most often compare RFHTX with FHPEX, VTIVX, FFSDX. These 20 comparison targets span 3 categories, based on PortfoliosLab usage data.
Compare RFHTX with Any Fund or Stock
Compare RFHTX with any ETF, mutual fund, or stock using PortfoliosLab's comparison tool.
Pair RFHTX with funds that move differently
American Funds 2045 Target Date Retirement Fund Class R-6 alternatives help with substitution. Diversifiers are the next step when you want funds with lower historical correlation to RFHTX.
Explore RFHTX Diversifiers