AALTX vs. FZROX
Compare and contrast key facts about American Funds 2050 Target Date Retirement Fund (AALTX) and Fidelity ZERO Total Market Index Fund (FZROX).
AALTX is managed by American Funds. It was launched on Jan 31, 2007. FZROX is managed by Fidelity.
Performance
AALTX vs. FZROX - Performance Comparison
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AALTX vs. FZROX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
AALTX American Funds 2050 Target Date Retirement Fund | -3.14% | 20.06% | 15.09% | 20.34% | -19.14% | 16.96% | 19.07% | 24.59% | -8.77% |
FZROX Fidelity ZERO Total Market Index Fund | -3.98% | 17.23% | 23.94% | 26.20% | -19.21% | 26.00% | 20.51% | 31.15% | -12.72% |
Returns By Period
In the year-to-date period, AALTX achieves a -3.14% return, which is significantly higher than FZROX's -3.98% 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%
FZROX
- 1D
- 2.99%
- 1M
- -5.06%
- YTD
- -3.98%
- 6M
- -1.97%
- 1Y
- 17.77%
- 3Y*
- 17.96%
- 5Y*
- 10.74%
- 10Y*
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AALTX vs. FZROX - Expense Ratio Comparison
AALTX has a 0.33% expense ratio, which is higher than FZROX's 0.00% expense ratio.
Return for Risk
AALTX vs. FZROX — Risk / Return Rank
AALTX
FZROX
AALTX vs. FZROX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2050 Target Date Retirement Fund (AALTX) and Fidelity ZERO Total Market Index Fund (FZROX). 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 | FZROX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.23 | 0.98 | +0.24 |
Sortino ratioReturn per unit of downside risk | 1.82 | 1.50 | +0.32 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.23 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.80 | 1.51 | +0.29 |
Martin ratioReturn relative to average drawdown | 7.77 | 7.28 | +0.49 |
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 | FZROX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.23 | 0.98 | +0.24 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.62 | -0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.50 | 0.63 | -0.13 |
Correlation
The correlation between AALTX and FZROX is 0.97, 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. FZROX - Dividend Comparison
AALTX's dividend yield for the trailing twelve months is around 6.00%, more than FZROX's 1.07% 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% |
FZROX Fidelity ZERO Total Market Index Fund | 1.07% | 1.02% | 1.16% | 1.36% | 1.57% | 1.25% | 1.27% | 1.51% | 0.00% | 0.00% | 0.00% | 0.00% |
Drawdowns
AALTX vs. FZROX - Drawdown Comparison
The maximum AALTX drawdown since its inception was -50.02%, which is greater than FZROX's maximum drawdown of -34.96%. Use the drawdown chart below to compare losses from any high point for AALTX and FZROX.
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Drawdown Indicators
| AALTX | FZROX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -50.02% | -34.96% | -15.06% |
Max Drawdown (1Y)Largest decline over 1 year | -9.98% | -12.44% | +2.46% |
Max Drawdown (5Y)Largest decline over 5 years | -26.68% | -25.12% | -1.56% |
Max Drawdown (10Y)Largest decline over 10 years | -29.30% | — | — |
Current DrawdownCurrent decline from peak | -7.09% | -6.16% | -0.93% |
Average DrawdownAverage peak-to-trough decline | -7.23% | -5.61% | -1.62% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.32% | 2.58% | -0.26% |
Volatility
AALTX vs. FZROX - Volatility Comparison
American Funds 2050 Target Date Retirement Fund (AALTX) and Fidelity ZERO Total Market Index Fund (FZROX) have volatilities of 5.39% and 5.52%, 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.
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Volatility by Period
| AALTX | FZROX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.39% | 5.52% | -0.13% |
Volatility (6M)Calculated over the trailing 6-month period | 9.02% | 9.81% | -0.79% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.79% | 18.68% | -3.89% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.21% | 17.45% | -3.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.82% | 20.28% | -5.46% |