AADTX vs. SSBRX
AADTX (American Funds 2025 Target Date Retirement Fund) and SSBRX (State Street Target Retirement 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, AADTX returned 7.66%/yr vs 7.63%/yr for SSBRX. Their 0.96 correlation means they have historically moved very closely together. AADTX charges 0.34%/yr vs 0.13%/yr for SSBRX.
Performance
AADTX vs. SSBRX - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, AADTX achieves a 4.92% return, which is significantly lower than SSBRX's 6.18% return. Both investments have delivered pretty close results over the past 10 years, with AADTX having a 7.66% annualized return and SSBRX not far behind at 7.63%.
AADTX
- 1D
- 0.12%
- 1M
- -0.24%
- 6M
- 3.00%
- YTD
- 4.92%
- 1Y
- 10.93%
- 3Y*
- 10.81%
- 5Y*
- 5.51%
- 10Y*
- 7.66%
- ALL TIME*
- 6.47%
SSBRX
- 1D
- 0.15%
- 1M
- 0.07%
- 6M
- 4.36%
- YTD
- 6.18%
- 1Y
- 12.50%
- 3Y*
- 10.65%
- 5Y*
- 4.95%
- 10Y*
- 7.63%
- ALL TIME*
- 7.07%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
AADTX vs. SSBRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AADTX American Funds 2025 Target Date Retirement Fund | 4.92% | 14.20% | 8.97% | 11.57% | -13.04% | 11.12% | 13.33% | 17.35% | -3.74% | 14.95% |
SSBRX State Street Target Retirement 2025 Fund | 6.18% | 12.93% | 8.73% | 13.61% | -15.51% | 10.03% | 14.68% | 20.73% | -5.47% | 14.32% |
Correlation
The correlation between AADTX and SSBRX is 0.94, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.94 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.96 |
The correlation between AADTX and SSBRX has been stable across timeframes, ranging from 0.94 to 0.96 - a consistent structural relationship.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
AADTX vs. SSBRX — Risk / Return Rank
AADTX
SSBRX
AADTX vs. SSBRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2025 Target Date Retirement Fund (AADTX) and State Street Target Retirement 2025 Fund (SSBRX). 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.
| AADTX | SSBRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.37 | ||
| Sortino ratioReturn per unit of downside risk | -0.52 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.40 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 2.04 | 2.77 | -0.72 |
| Martin ratioReturn relative to average drawdown | 8.94 | 12.00 | -3.06 |
Loading charts...
Drawdowns
AADTX vs. SSBRX - Drawdown Comparison
The maximum AADTX drawdown since its inception was -48.80%, which is greater than SSBRX's maximum drawdown of -21.96%. Use the drawdown chart below to compare losses from any high point for AADTX and SSBRX.
Loading charts...
Drawdown Indicators
| AADTX | SSBRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.80% | -21.96% | -26.84% |
Max Drawdown (1Y)Largest decline over 1 year | -5.30% | -4.44% | -0.86% |
Max Drawdown (3Y)Largest decline over 3 years | -6.46% | -7.36% | +0.90% |
Max Drawdown (5Y)Largest decline over 5 years | -19.02% | -21.13% | +2.11% |
Max Drawdown (10Y)Largest decline over 10 years | -19.24% | -21.96% | +2.72% |
Current DrawdownCurrent decline from peak | -0.53% | -0.52% | -0.01% |
Average DrawdownAverage peak-to-trough decline | -6.10% | -3.68% | -2.42% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.21% | 1.02% | +0.19% |
Volatility
AADTX vs. SSBRX - Volatility Comparison
American Funds 2025 Target Date Retirement Fund (AADTX) and State Street Target Retirement 2025 Fund (SSBRX) have volatilities of 1.48% and 1.47%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| AADTX | SSBRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.48% | 1.47% | +0.01% |
Volatility (6M)Calculated over the trailing 6-month period | 5.19% | 4.89% | +0.30% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.36% | 5.93% | +0.43% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.24% | 8.86% | -0.62% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.87% | 9.75% | -0.88% |
AADTX vs. SSBRX - Expense Ratio Comparison
AADTX has a 0.34% expense ratio, which is higher than SSBRX's 0.13% expense ratio.
Dividends
AADTX vs. SSBRX - Dividend Comparison
AADTX's dividend yield for the trailing twelve months is around 7.03%, more than SSBRX's 5.71% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AADTX American Funds 2025 Target Date Retirement Fund | 7.03% | 7.38% | 5.18% | 3.05% | 3.96% | 6.24% | 3.58% | 3.68% | 4.06% | 2.38% | 3.12% | 5.82% |
SSBRX State Street Target Retirement 2025 Fund | 5.71% | 6.07% | 6.67% | 4.60% | 6.60% | 6.44% | 4.74% | 6.58% | 5.35% | 0.60% | 1.84% | 2.38% |
Frequently Asked Questions
With a correlation of 0.94, AADTX and SSBRX 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.
AADTX has higher volatility (1.48%) compared to SSBRX (1.47%). In terms of maximum drawdown, AADTX dropped -48.80% vs SSBRX's -21.96%.
SSBRX currently has the higher Sharpe Ratio (2.08 vs 1.71), 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.
Find the right allocation for AADTX and SSBRX
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer