AAOTX vs. TDIFX
Compare and contrast key facts about American Funds 2065 Target Date Retirement Fund Class A (AAOTX) and Dimensional Retirement Income Fund (TDIFX).
AAOTX is managed by American Funds. TDIFX is managed by Dimensional. It was launched on Nov 1, 2015.
Performance
AAOTX vs. TDIFX - Performance Comparison
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AAOTX vs. TDIFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
AAOTX American Funds 2065 Target Date Retirement Fund Class A | -3.44% | 20.36% | 15.20% | 21.16% | -19.94% | 16.85% | 46.68% |
TDIFX Dimensional Retirement Income Fund | 0.21% | 7.22% | 6.21% | 7.76% | -9.37% | 14.53% | 13.69% |
Returns By Period
In the year-to-date period, AAOTX achieves a -3.44% return, which is significantly lower than TDIFX's 0.21% return.
AAOTX
- 1D
- 2.76%
- 1M
- -6.48%
- YTD
- -3.44%
- 6M
- -0.89%
- 1Y
- 18.05%
- 3Y*
- 15.12%
- 5Y*
- 7.56%
- 10Y*
- —
TDIFX
- 1D
- 0.59%
- 1M
- -1.59%
- YTD
- 0.21%
- 6M
- 0.88%
- 1Y
- 5.68%
- 3Y*
- 5.90%
- 5Y*
- 4.81%
- 10Y*
- 4.81%
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AAOTX vs. TDIFX - Expense Ratio Comparison
AAOTX has a 0.73% expense ratio, which is higher than TDIFX's 0.06% expense ratio.
Return for Risk
AAOTX vs. TDIFX — Risk / Return Rank
AAOTX
TDIFX
AAOTX vs. TDIFX - 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 Dimensional Retirement Income Fund (TDIFX). 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 | TDIFX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.22 | 1.47 | -0.25 |
Sortino ratioReturn per unit of downside risk | 1.82 | 2.07 | -0.25 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.31 | -0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.81 | 1.47 | +0.34 |
Martin ratioReturn relative to average drawdown | 7.73 | 6.12 | +1.60 |
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 | TDIFX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.22 | 1.47 | -0.25 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.52 | 0.84 | -0.32 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.96 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.95 | 1.00 | -0.06 |
Correlation
The correlation between AAOTX and TDIFX is 0.76, 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. TDIFX - Dividend Comparison
AAOTX's dividend yield for the trailing twelve months is around 4.56%, more than TDIFX's 2.06% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
AAOTX American Funds 2065 Target Date Retirement Fund Class A | 4.56% | 4.41% | 2.52% | 1.71% | 3.67% | 1.34% | 0.60% | 0.00% | 0.00% | 0.00% | 0.00% |
TDIFX Dimensional Retirement Income Fund | 2.06% | 1.77% | 3.11% | 3.09% | 4.66% | 9.39% | 1.39% | 1.98% | 2.11% | 0.98% | 0.89% |
Drawdowns
AAOTX vs. TDIFX - Drawdown Comparison
The maximum AAOTX drawdown since its inception was -27.57%, which is greater than TDIFX's maximum drawdown of -12.21%. Use the drawdown chart below to compare losses from any high point for AAOTX and TDIFX.
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Drawdown Indicators
| AAOTX | TDIFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -27.57% | -12.21% | -15.36% |
Max Drawdown (1Y)Largest decline over 1 year | -10.23% | -2.84% | -7.39% |
Max Drawdown (5Y)Largest decline over 5 years | -27.57% | -12.21% | -15.36% |
Max Drawdown (10Y)Largest decline over 10 years | — | -12.21% | — |
Current DrawdownCurrent decline from peak | -7.33% | -1.83% | -5.50% |
Average DrawdownAverage peak-to-trough decline | -6.16% | -1.77% | -4.39% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.39% | 0.84% | +1.55% |
Volatility
AAOTX vs. TDIFX - Volatility Comparison
American Funds 2065 Target Date Retirement Fund Class A (AAOTX) has a higher volatility of 5.61% compared to Dimensional Retirement Income Fund (TDIFX) at 1.51%. This indicates that AAOTX's price experiences larger fluctuations and is considered to be riskier than TDIFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AAOTX | TDIFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.61% | 1.51% | +4.10% |
Volatility (6M)Calculated over the trailing 6-month period | 9.43% | 2.32% | +7.11% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.33% | 4.34% | +10.99% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.62% | 5.89% | +8.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.10% | 5.05% | +10.05% |