AAOTX vs. SSFNX
Compare and contrast key facts about American Funds 2065 Target Date Retirement Fund Class A (AAOTX) and State Street Target Retirement Fund (SSFNX).
AAOTX is managed by American Funds. SSFNX is managed by State Street. It was launched on Sep 29, 2014.
Performance
AAOTX vs. SSFNX - Performance Comparison
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AAOTX vs. SSFNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
AAOTX American Funds 2065 Target Date Retirement Fund Class A | -6.04% | 20.36% | 15.20% | 21.16% | -19.94% | 16.85% | 46.68% |
SSFNX State Street Target Retirement Fund | -0.35% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 20.15% |
Returns By Period
In the year-to-date period, AAOTX achieves a -6.04% return, which is significantly lower than SSFNX's -0.35% return.
AAOTX
- 1D
- -0.42%
- 1M
- -9.38%
- YTD
- -6.04%
- 6M
- -3.03%
- 1Y
- 15.42%
- 3Y*
- 14.08%
- 5Y*
- 7.24%
- 10Y*
- —
SSFNX
- 1D
- 0.18%
- 1M
- -3.35%
- YTD
- -0.35%
- 6M
- 1.07%
- 1Y
- 8.90%
- 3Y*
- 8.01%
- 5Y*
- 3.96%
- 10Y*
- 5.41%
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AAOTX vs. SSFNX - Expense Ratio Comparison
AAOTX has a 0.73% expense ratio, which is higher than SSFNX's 0.10% expense ratio.
Return for Risk
AAOTX vs. SSFNX — Risk / Return Rank
AAOTX
SSFNX
AAOTX vs. SSFNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2065 Target Date Retirement Fund Class A (AAOTX) and State Street Target Retirement Fund (SSFNX). 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.
| AAOTX | SSFNX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.02 | 1.59 | -0.57 |
Sortino ratioReturn per unit of downside risk | 1.53 | 2.24 | -0.71 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.35 | -0.13 |
Calmar ratioReturn relative to maximum drawdown | 1.31 | 1.93 | -0.62 |
Martin ratioReturn relative to average drawdown | 5.72 | 9.29 | -3.57 |
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
| AAOTX | SSFNX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.02 | 1.59 | -0.57 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.61 | -0.11 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.83 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.92 | 0.77 | +0.15 |
Correlation
The correlation between AAOTX and SSFNX is 0.90, 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
AAOTX vs. SSFNX - Dividend Comparison
AAOTX's dividend yield for the trailing twelve months is around 4.69%, less than SSFNX's 4.88% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AAOTX American Funds 2065 Target Date Retirement Fund Class A | 4.69% | 4.41% | 2.52% | 1.71% | 3.67% | 1.34% | 0.60% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SSFNX State Street Target Retirement Fund | 4.88% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
Drawdowns
AAOTX vs. SSFNX - Drawdown Comparison
The maximum AAOTX drawdown since its inception was -27.57%, which is greater than SSFNX's maximum drawdown of -16.62%. Use the drawdown chart below to compare losses from any high point for AAOTX and SSFNX.
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Drawdown Indicators
| AAOTX | SSFNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -27.57% | -16.62% | -10.95% |
Max Drawdown (1Y)Largest decline over 1 year | -10.23% | -4.51% | -5.72% |
Max Drawdown (5Y)Largest decline over 5 years | -27.57% | -16.62% | -10.95% |
Max Drawdown (10Y)Largest decline over 10 years | — | -16.62% | — |
Current DrawdownCurrent decline from peak | -9.82% | -3.35% | -6.47% |
Average DrawdownAverage peak-to-trough decline | -6.16% | -2.55% | -3.61% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.35% | 0.94% | +1.41% |
Volatility
AAOTX vs. SSFNX - Volatility Comparison
American Funds 2065 Target Date Retirement Fund Class A (AAOTX) has a higher volatility of 4.61% compared to State Street Target Retirement Fund (SSFNX) at 1.92%. This indicates that AAOTX's price experiences larger fluctuations and is considered to be riskier than SSFNX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AAOTX | SSFNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.61% | 1.92% | +2.69% |
Volatility (6M)Calculated over the trailing 6-month period | 9.03% | 3.23% | +5.80% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.12% | 5.71% | +9.41% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.57% | 6.56% | +8.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.06% | 6.55% | +8.51% |