AMINX vs. CAIFX

Last updated Jun 4, 2026

AMINX (Amana Income Fund Institutional Class) and CAIFX (American Funds Capital Income Builder Fund Class F-2) are both Dividend funds. Both are actively managed. Over the past 10 years, AMINX returned 12.47%/yr vs 8.17%/yr for CAIFX. Their correlation of 0.83 suggests significant overlap in exposure. AMINX charges 0.76%/yr vs 0.37%/yr for CAIFX.

Performance

AMINX vs. CAIFX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Amana Income Fund Institutional Class (AMINX) and American Funds Capital Income Builder Fund Class F-2 (CAIFX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, AMINX achieves a 11.84% return, which is significantly higher than CAIFX's 7.86% return. Over the past 10 years, AMINX has outperformed CAIFX with an annualized return of 12.47%, while CAIFX has yielded a comparatively lower 8.17% annualized return.

AMINX

• 1D: 1.12%
• 1M: 6.61%
• YTD: 11.84%
• 6M: 11.32%
• 1Y: 24.08%
• 3Y*: 16.54%
• 5Y*: 11.50%
• 10Y*: 12.47%

CAIFX

• 1D: 0.57%
• 1M: 2.03%
• YTD: 7.86%
• 6M: 8.66%
• 1Y: 18.75%
• 3Y*: 15.46%
• 5Y*: 8.77%
• 10Y*: 8.17%

*Multi-year figures are annualized to reflect compound growth (CAGR)

AMINX vs. CAIFX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
AMINX Amana Income Fund Institutional Class	11.84%	16.69%	13.13%	13.87%	-8.65%	22.81%	14.18%	25.59%	-4.94%	21.95%
CAIFX American Funds Capital Income Builder Fund Class F-2	7.86%	20.63%	10.47%	9.21%	-6.95%	15.26%	3.41%	17.49%	-7.10%	14.19%

Correlation

The correlation between AMINX and CAIFX is 0.76, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.76
Correlation (3Y) Calculated over the trailing 3-year period	0.77
Correlation (5Y) Calculated over the trailing 5-year period	0.81
Correlation (10Y) Calculated over the trailing 10-year period	0.82
Correlation (All Time) Calculated using the full available price history since Jan 3, 2014	0.83

The correlation between AMINX and CAIFX has been stable across timeframes, ranging from 0.76 to 0.83 - a consistent structural relationship.

Return for Risk

AMINX vs. CAIFX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

AMINX

AMINX Risk / Return Rank: 44
AMINX Sharpe Ratio Rank: 48
AMINX Sortino Ratio Rank: 48
AMINX Omega Ratio Rank: 45
AMINX Calmar Ratio Rank: 36
AMINX Martin Ratio Rank: 42

CAIFX

CAIFX Risk / Return Rank: 62
CAIFX Sharpe Ratio Rank: 65
CAIFX Sortino Ratio Rank: 64
CAIFX Omega Ratio Rank: 64
CAIFX Calmar Ratio Rank: 58
CAIFX Martin Ratio Rank: 58

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

AMINX vs. CAIFX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Amana Income Fund Institutional Class (AMINX) and American Funds Capital Income Builder Fund Class F-2 (CAIFX). 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.

	AMINX	CAIFX	Difference
Sharpe ratio Return per unit of total volatility	2.02	2.37	-0.35
Sortino ratio Return per unit of downside risk	2.91	3.35	-0.43
Omega ratio Gain probability vs. loss probability	1.36	1.45	-0.08
Calmar ratio Return relative to maximum drawdown	2.28	2.92	-0.65
Martin ratio Return relative to average drawdown	8.99	11.65	-2.66
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

AMINX vs. CAIFX - Sharpe Ratio Comparison

The current AMINX Sharpe Ratio is 2.02, which is comparable to the CAIFX Sharpe Ratio of 2.37. The chart below compares the historical Sharpe Ratios of AMINX and CAIFX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	AMINX	CAIFX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.02	2.37	-0.35
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.83	0.88	-0.05
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.78	0.75	+0.03
Sharpe Ratio (All Time) Calculated using the full available price history	0.72	0.55	+0.17

Drawdowns

AMINX vs. CAIFX - Drawdown Comparison

The maximum AMINX drawdown since its inception was -31.45%, smaller than the maximum CAIFX drawdown of -36.83%. Use the drawdown chart below to compare losses from any high point for AMINX and CAIFX.

Drawdown Indicators

	AMINX	CAIFX	Difference
Max Drawdown Largest peak-to-trough decline	-31.45%	-36.83%	+5.38%
Max Drawdown (1Y) Largest decline over 1 year	-11.00%	-6.47%	-4.53%
Max Drawdown (3Y) Largest decline over 3 years	-15.34%	-8.88%	-6.46%
Max Drawdown (5Y) Largest decline over 5 years	-19.04%	-17.51%	-1.53%
Max Drawdown (10Y) Largest decline over 10 years	-31.45%	-25.27%	-6.18%
Current Drawdown Current decline from peak	0.00%	0.00%	0.00%
Average Drawdown Average peak-to-trough decline	-3.64%	-4.71%	+1.07%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.78%	1.62%	+1.16%

Volatility

AMINX vs. CAIFX - Volatility Comparison

Amana Income Fund Institutional Class (AMINX) has a higher volatility of 3.40% compared to American Funds Capital Income Builder Fund Class F-2 (CAIFX) at 2.47%. This indicates that AMINX's price experiences larger fluctuations and is considered to be riskier than CAIFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	AMINX	CAIFX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.40%	2.47%	+0.93%
Volatility (6M) Calculated over the trailing 6-month period	9.95%	6.41%	+3.54%
Volatility (1Y) Calculated over the trailing 1-year period	12.39%	7.99%	+4.40%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.92%	9.98%	+3.94%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.95%	10.88%	+5.07%

AMINX vs. CAIFX - Expense Ratio Comparison

AMINX has a 0.76% expense ratio, which is higher than CAIFX's 0.37% expense ratio.

Dividends

AMINX vs. CAIFX - Dividend Comparison

AMINX's dividend yield for the trailing twelve months is around 5.21%, less than CAIFX's 7.42% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
AMINX Amana Income Fund Institutional Class	5.21%	5.80%	6.06%	5.61%	8.61%	5.02%	6.91%	8.22%	6.87%	6.04%	4.58%	7.18%
CAIFX American Funds Capital Income Builder Fund Class F-2	7.42%	7.93%	5.98%	3.69%	3.66%	3.36%	3.60%	4.31%	3.76%	4.63%	3.73%	3.82%

Frequently Asked Questions

Can I hold both AMINX and CAIFX in my portfolio?

AMINX and CAIFX have a correlation of 0.76, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, AMINX or CAIFX?

AMINX has higher volatility (3.40%) compared to CAIFX (2.47%). In terms of maximum drawdown, AMINX dropped -31.45% vs CAIFX's -36.83%.

Which has better risk-adjusted returns?

CAIFX currently has the higher Sharpe Ratio (2.37 vs 2.02), 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.