AAFTX vs. SSBRX
AAFTX (American Funds 2035 Target Date Retirement Fund) and SSBRX (State Street Target Retirement 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, AAFTX returned 10.10%/yr vs 7.63%/yr for SSBRX. Their 0.95 correlation means they have historically moved very closely together. AAFTX charges 0.33%/yr vs 0.13%/yr for SSBRX.
Performance
AAFTX vs. SSBRX - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with AAFTX having a 6.42% return and SSBRX slightly lower at 6.18%. Over the past 10 years, AAFTX has outperformed SSBRX with an annualized return of 10.10%, while SSBRX has yielded a comparatively lower 7.63% annualized return.
AAFTX
- 1D
- 0.36%
- 1M
- -0.45%
- 6M
- 4.08%
- YTD
- 6.42%
- 1Y
- 13.92%
- 3Y*
- 13.45%
- 5Y*
- 7.23%
- 10Y*
- 10.10%
- ALL TIME*
- 7.88%
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 |
AAFTX vs. SSBRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AAFTX American Funds 2035 Target Date Retirement Fund | 6.42% | 16.77% | 12.40% | 16.50% | -16.53% | 15.20% | 17.23% | 22.81% | -5.48% | 20.68% |
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 AAFTX 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. | 0.94 |
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 AAFTX and SSBRX has been stable across timeframes, ranging from 0.94 to 0.96 - a consistent structural relationship.
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Return for Risk
AAFTX vs. SSBRX — Risk / Return Rank
AAFTX
SSBRX
AAFTX vs. SSBRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2035 Target Date Retirement Fund (AAFTX) 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.
| AAFTX | SSBRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.60 | ||
| Sortino ratioReturn per unit of downside risk | -0.85 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 1.40 | -0.13 |
| Calmar ratioReturn relative to maximum drawdown | 1.91 | 2.77 | -0.86 |
| Martin ratioReturn relative to average drawdown | 8.24 | 12.00 | -3.75 |
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Drawdowns
AAFTX vs. SSBRX - Drawdown Comparison
The maximum AAFTX drawdown since its inception was -49.89%, which is greater than SSBRX's maximum drawdown of -21.96%. Use the drawdown chart below to compare losses from any high point for AAFTX and SSBRX.
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Drawdown Indicators
| AAFTX | SSBRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.89% | -21.96% | -27.93% |
Max Drawdown (1Y)Largest decline over 1 year | -6.99% | -4.44% | -2.55% |
Max Drawdown (3Y)Largest decline over 3 years | -10.58% | -7.36% | -3.22% |
Max Drawdown (5Y)Largest decline over 5 years | -23.31% | -21.13% | -2.18% |
Max Drawdown (10Y)Largest decline over 10 years | -26.72% | -21.96% | -4.76% |
Current DrawdownCurrent decline from peak | -0.94% | -0.52% | -0.42% |
Average DrawdownAverage peak-to-trough decline | -6.75% | -3.68% | -3.07% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.62% | 1.02% | +0.60% |
Volatility
AAFTX vs. SSBRX - Volatility Comparison
American Funds 2035 Target Date Retirement Fund (AAFTX) has a higher volatility of 2.28% compared to State Street Target Retirement 2025 Fund (SSBRX) at 1.47%. This indicates that AAFTX's price experiences larger fluctuations and is considered to be riskier than SSBRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AAFTX | SSBRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.28% | 1.47% | +0.81% |
Volatility (6M)Calculated over the trailing 6-month period | 7.37% | 4.89% | +2.48% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.09% | 5.93% | +3.16% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.50% | 8.86% | +2.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.64% | 9.75% | +2.89% |
AAFTX vs. SSBRX - Expense Ratio Comparison
AAFTX has a 0.33% expense ratio, which is higher than SSBRX's 0.13% expense ratio.
Dividends
AAFTX vs. SSBRX - Dividend Comparison
AAFTX's dividend yield for the trailing twelve months is around 5.63%, less than SSBRX's 5.71% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AAFTX American Funds 2035 Target Date Retirement Fund | 5.63% | 5.99% | 4.26% | 2.61% | 5.43% | 5.25% | 3.53% | 4.21% | 4.80% | 2.38% | 3.52% | 5.63% |
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, AAFTX 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.
AAFTX has higher volatility (2.28%) compared to SSBRX (1.47%). In terms of maximum drawdown, AAFTX dropped -49.89% vs SSBRX's -21.96%.
SSBRX currently has the higher Sharpe Ratio (2.08 vs 1.47), 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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