AADTX vs. BLPAX
AADTX (American Funds 2025 Target Date Retirement Fund) and BLPAX (American Funds Moderate Growth and Income Portfolio Class A) are both mutual funds - AADTX is a Target Retirement Date fund managed by American Funds, while BLPAX is a Diversified Portfolio fund managed by American Funds. Over the past 10 years, AADTX returned 7.88%/yr vs 9.20%/yr for BLPAX. With a 0.98 correlation, they move nearly in lockstep. AADTX charges 0.34%/yr vs 0.66%/yr for BLPAX.
Performance
AADTX vs. BLPAX - Performance Comparison
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Returns By Period
In the year-to-date period, AADTX achieves a 5.17% return, which is significantly lower than BLPAX's 7.59% return. Over the past 10 years, AADTX has underperformed BLPAX with an annualized return of 7.88%, while BLPAX has yielded a comparatively higher 9.20% annualized return.
AADTX
- 1D
- 0.24%
- 1M
- 2.12%
- YTD
- 5.17%
- 6M
- 5.56%
- 1Y
- 14.27%
- 3Y*
- 11.84%
- 5Y*
- 5.87%
- 10Y*
- 7.88%
BLPAX
- 1D
- 0.33%
- 1M
- 3.18%
- YTD
- 7.59%
- 6M
- 8.15%
- 1Y
- 19.35%
- 3Y*
- 14.82%
- 5Y*
- 7.70%
- 10Y*
- 9.20%
AADTX vs. BLPAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AADTX American Funds 2025 Target Date Retirement Fund | 5.17% | 14.20% | 8.97% | 11.57% | -13.04% | 11.12% | 13.33% | 17.35% | -3.74% | 14.95% |
BLPAX American Funds Moderate Growth and Income Portfolio Class A | 7.59% | 16.64% | 11.30% | 13.87% | -13.60% | 13.87% | 13.16% | 19.53% | -4.59% | 16.71% |
Correlation
The correlation between AADTX and BLPAX is 0.97 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.97 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.97 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.98 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.98 |
Correlation (All Time) Calculated using the full available price history since May 21, 2012 | 0.98 |
The correlation between AADTX and BLPAX has been stable across timeframes, ranging from 0.97 to 0.98 - a consistent structural relationship.
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Return for Risk
AADTX vs. BLPAX — Risk / Return Rank
AADTX
BLPAX
AADTX vs. BLPAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2025 Target Date Retirement Fund (AADTX) and American Funds Moderate Growth and Income Portfolio Class A (BLPAX). 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.
| AADTX | BLPAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.09 | ||
| Sortino ratioReturn per unit of downside risk | +0.21 | ||
| Omega ratioGain probability vs. loss probability | 1.47 | 1.44 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.74 | 2.72 | +0.03 |
| Martin ratioReturn relative to average drawdown | 12.32 | 12.15 | +0.18 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| AADTX | BLPAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.41 | 2.32 | +0.09 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.72 | 0.74 | -0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.89 | 0.85 | +0.03 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.51 | 0.92 | -0.41 |
Drawdowns
AADTX vs. BLPAX - Drawdown Comparison
The maximum AADTX drawdown since its inception was -48.80%, which is greater than BLPAX's maximum drawdown of -23.21%. Use the drawdown chart below to compare losses from any high point for AADTX and BLPAX.
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Drawdown Indicators
| AADTX | BLPAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.80% | -23.21% | -25.59% |
Max Drawdown (1Y)Largest decline over 1 year | -5.30% | -7.26% | +1.96% |
Max Drawdown (3Y)Largest decline over 3 years | -6.77% | -10.62% | +3.85% |
Max Drawdown (5Y)Largest decline over 5 years | -19.02% | -20.65% | +1.63% |
Max Drawdown (10Y)Largest decline over 10 years | -19.24% | -23.21% | +3.97% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -6.15% | -2.92% | -3.23% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.18% | 1.62% | -0.44% |
Volatility
AADTX vs. BLPAX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Fund (AADTX) is 1.96%, while American Funds Moderate Growth and Income Portfolio Class A (BLPAX) has a volatility of 2.65%. This indicates that AADTX experiences smaller price fluctuations and is considered to be less risky than BLPAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AADTX | BLPAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.96% | 2.65% | -0.69% |
Volatility (6M)Calculated over the trailing 6-month period | 4.89% | 6.86% | -1.97% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.03% | 8.50% | -2.47% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.21% | 10.41% | -2.20% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.93% | 10.83% | -1.90% |
AADTX vs. BLPAX - Expense Ratio Comparison
AADTX has a 0.34% expense ratio, which is lower than BLPAX's 0.66% expense ratio.
Dividends
AADTX vs. BLPAX - Dividend Comparison
AADTX's dividend yield for the trailing twelve months is around 7.01%, more than BLPAX's 5.42% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AADTX American Funds 2025 Target Date Retirement Fund | 7.01% | 7.38% | 5.18% | 3.05% | 3.96% | 6.24% | 3.58% | 3.68% | 4.06% | 2.38% | 3.12% | 5.82% |
BLPAX American Funds Moderate Growth and Income Portfolio Class A | 5.42% | 5.83% | 3.59% | 2.30% | 6.01% | 4.97% | 2.56% | 3.83% | 4.69% | 3.48% | 3.66% | 3.69% |
Frequently Asked Questions
With a correlation of 0.97, AADTX and BLPAX 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.
BLPAX has higher volatility (2.65%) compared to AADTX (1.96%). In terms of maximum drawdown, AADTX dropped -48.80% vs BLPAX's -23.21%.
AADTX currently has the higher Sharpe Ratio (2.41 vs 2.32), 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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