AABTX vs. VTINX
AABTX (American Funds 2015 Target Date Retirement Fund) and VTINX (Vanguard Target Retirement Income Fund) are both Target Retirement Date funds. Over the past 10 years, AABTX returned 6.65%/yr vs 5.33%/yr for VTINX. Their correlation of 0.90 suggests significant overlap in exposure. AABTX charges 0.33%/yr vs 0.08%/yr for VTINX.
Performance
AABTX vs. VTINX - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with AABTX having a 3.81% return and VTINX slightly higher at 3.89%. Over the past 10 years, AABTX has outperformed VTINX with an annualized return of 6.65%, while VTINX has yielded a comparatively lower 5.33% annualized return.
AABTX
- 1D
- 0.15%
- 1M
- -0.15%
- YTD
- 3.81%
- 6M
- 3.57%
- 1Y
- 10.37%
- 3Y*
- 10.33%
- 5Y*
- 5.17%
- 10Y*
- 6.65%
VTINX
- 1D
- 0.21%
- 1M
- -0.14%
- YTD
- 3.89%
- 6M
- 3.67%
- 1Y
- 10.01%
- 3Y*
- 9.09%
- 5Y*
- 3.97%
- 10Y*
- 5.33%
AABTX vs. VTINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AABTX American Funds 2015 Target Date Retirement Fund | 3.81% | 13.11% | 8.07% | 9.23% | -10.56% | 9.95% | 9.63% | 14.47% | -2.98% | 10.84% |
VTINX Vanguard Target Retirement Income Fund | 3.89% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
Correlation
The correlation between AABTX and VTINX is 0.94, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.94 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.93 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.93 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since Feb 2, 2007 | 0.90 |
The correlation between AABTX and VTINX has been stable across timeframes, ranging from 0.90 to 0.94 - a consistent structural relationship.
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Return for Risk
AABTX vs. VTINX — Risk / Return Rank
AABTX
VTINX
AABTX vs. VTINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2015 Target Date Retirement Fund (AABTX) and Vanguard Target Retirement Income Fund (VTINX). 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.
| AABTX | VTINX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | 0.00 | ||
| Sortino ratioReturn per unit of downside risk | -0.01 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.38 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.18 | 2.43 | -0.24 |
| Martin ratioReturn relative to average drawdown | 9.41 | 10.44 | -1.03 |
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Drawdowns
AABTX vs. VTINX - Drawdown Comparison
The maximum AABTX drawdown since its inception was -42.44%, which is greater than VTINX's maximum drawdown of -19.96%. Use the drawdown chart below to compare losses from any high point for AABTX and VTINX.
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Drawdown Indicators
| AABTX | VTINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.44% | -19.96% | -22.48% |
Max Drawdown (1Y)Largest decline over 1 year | -4.74% | -4.14% | -0.60% |
Max Drawdown (3Y)Largest decline over 3 years | -5.88% | -5.26% | -0.62% |
Max Drawdown (5Y)Largest decline over 5 years | -16.21% | -17.02% | +0.81% |
Max Drawdown (10Y)Largest decline over 10 years | -16.58% | -17.02% | +0.44% |
Current DrawdownCurrent decline from peak | -0.74% | -0.76% | +0.02% |
Average DrawdownAverage peak-to-trough decline | -4.74% | -2.20% | -2.54% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.10% | 0.96% | +0.14% |
Volatility
AABTX vs. VTINX - Volatility Comparison
The current volatility for American Funds 2015 Target Date Retirement Fund (AABTX) is 1.96%, while Vanguard Target Retirement Income Fund (VTINX) has a volatility of 2.21%. This indicates that AABTX experiences smaller price fluctuations and is considered to be less risky than VTINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AABTX | VTINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.96% | 2.21% | -0.25% |
Volatility (6M)Calculated over the trailing 6-month period | 4.41% | 4.43% | -0.02% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.36% | 5.22% | +0.14% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.97% | 6.12% | +0.85% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.26% | 5.75% | +1.51% |
AABTX vs. VTINX - Expense Ratio Comparison
AABTX has a 0.33% expense ratio, which is higher than VTINX's 0.08% expense ratio.
Dividends
AABTX vs. VTINX - Dividend Comparison
AABTX's dividend yield for the trailing twelve months is around 7.29%, more than VTINX's 4.84% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AABTX American Funds 2015 Target Date Retirement Fund | 7.29% | 7.57% | 5.27% | 3.52% | 3.72% | 4.95% | 4.07% | 4.05% | 4.28% | 2.71% | 3.02% | 5.56% |
VTINX Vanguard Target Retirement Income Fund | 4.84% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
Frequently Asked Questions
With a correlation of 0.94, AABTX and VTINX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
VTINX has higher volatility (2.21%) compared to AABTX (1.96%). In terms of maximum drawdown, AABTX dropped -42.44% vs VTINX's -19.96%.
AABTX currently has the higher Sharpe Ratio (1.94 vs 1.93), 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.
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