AALTX vs. CAIBX
Compare and contrast key facts about American Funds 2050 Target Date Retirement Fund (AALTX) and American Funds Capital Income Builder Class A (CAIBX).
AALTX is managed by American Funds. It was launched on Jan 31, 2007. CAIBX is managed by American Funds. It was launched on Jul 30, 1987.
Performance
AALTX vs. CAIBX - Performance Comparison
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AALTX vs. CAIBX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AALTX American Funds 2050 Target Date Retirement Fund | -3.14% | 20.06% | 15.09% | 20.34% | -19.14% | 16.96% | 19.07% | 24.59% | -5.87% | 22.18% |
CAIBX American Funds Capital Income Builder Class A | 1.65% | 20.39% | 10.24% | 8.95% | -7.14% | 14.99% | 3.20% | 17.23% | -7.28% | 13.99% |
Returns By Period
In the year-to-date period, AALTX achieves a -3.14% return, which is significantly lower than CAIBX's 1.65% return. Over the past 10 years, AALTX has outperformed CAIBX with an annualized return of 10.80%, while CAIBX has yielded a comparatively lower 7.54% annualized return.
AALTX
- 1D
- 2.61%
- 1M
- -6.25%
- YTD
- -3.14%
- 6M
- -0.66%
- 1Y
- 17.54%
- 3Y*
- 14.94%
- 5Y*
- 7.65%
- 10Y*
- 10.80%
CAIBX
- 1D
- 1.50%
- 1M
- -4.13%
- YTD
- 1.65%
- 6M
- 4.25%
- 1Y
- 16.20%
- 3Y*
- 12.93%
- 5Y*
- 8.22%
- 10Y*
- 7.54%
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AALTX vs. CAIBX - Expense Ratio Comparison
AALTX has a 0.33% expense ratio, which is lower than CAIBX's 0.59% expense ratio.
Return for Risk
AALTX vs. CAIBX — Risk / Return Rank
AALTX
CAIBX
AALTX vs. CAIBX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2050 Target Date Retirement Fund (AALTX) and American Funds Capital Income Builder Class A (CAIBX). 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.
| AALTX | CAIBX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.23 | 1.62 | -0.40 |
Sortino ratioReturn per unit of downside risk | 1.82 | 2.20 | -0.38 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.33 | -0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.80 | 2.01 | -0.20 |
Martin ratioReturn relative to average drawdown | 7.77 | 9.18 | -1.42 |
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
| AALTX | CAIBX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.23 | 1.62 | -0.40 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.83 | -0.29 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | 0.70 | +0.04 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.50 | 0.91 | -0.41 |
Correlation
The correlation between AALTX and CAIBX is 0.92, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
AALTX vs. CAIBX - Dividend Comparison
AALTX's dividend yield for the trailing twelve months is around 6.00%, less than CAIBX's 7.65% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AALTX American Funds 2050 Target Date Retirement Fund | 6.00% | 5.81% | 3.33% | 2.36% | 7.07% | 4.32% | 3.13% | 4.17% | 4.77% | 2.36% | 3.53% | 4.85% |
CAIBX American Funds Capital Income Builder Class A | 7.65% | 7.71% | 5.76% | 3.47% | 3.43% | 3.14% | 3.38% | 4.10% | 3.55% | 4.44% | 3.52% | 3.62% |
Drawdowns
AALTX vs. CAIBX - Drawdown Comparison
The maximum AALTX drawdown since its inception was -50.02%, which is greater than CAIBX's maximum drawdown of -43.68%. Use the drawdown chart below to compare losses from any high point for AALTX and CAIBX.
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Drawdown Indicators
| AALTX | CAIBX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -50.02% | -43.68% | -6.34% |
Max Drawdown (1Y)Largest decline over 1 year | -9.98% | -8.37% | -1.61% |
Max Drawdown (5Y)Largest decline over 5 years | -26.68% | -17.65% | -9.03% |
Max Drawdown (10Y)Largest decline over 10 years | -29.30% | -25.28% | -4.02% |
Current DrawdownCurrent decline from peak | -7.09% | -4.85% | -2.24% |
Average DrawdownAverage peak-to-trough decline | -7.23% | -3.82% | -3.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.32% | 1.83% | +0.49% |
Volatility
AALTX vs. CAIBX - Volatility Comparison
American Funds 2050 Target Date Retirement Fund (AALTX) has a higher volatility of 5.39% compared to American Funds Capital Income Builder Class A (CAIBX) at 3.72%. This indicates that AALTX's price experiences larger fluctuations and is considered to be riskier than CAIBX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AALTX | CAIBX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.39% | 3.72% | +1.67% |
Volatility (6M)Calculated over the trailing 6-month period | 9.02% | 6.12% | +2.90% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.79% | 10.19% | +4.60% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.21% | 9.95% | +4.26% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.82% | 10.87% | +3.95% |