CAIFX vs. CDDYX
CAIFX (American Funds Capital Income Builder Fund Class F-2) and CDDYX (Columbia Dividend Income Fund Institutional 3 Class) are both mutual funds - CAIFX is a Dividend fund actively managed by American Funds, while CDDYX is a Large Cap Value Equities fund managed by Columbia. Over the past 10 years, CAIFX returned 8.17%/yr vs 12.64%/yr for CDDYX. Their correlation of 0.88 suggests significant overlap in exposure. CAIFX charges 0.37%/yr vs 0.55%/yr for CDDYX.
Performance
CAIFX vs. CDDYX - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with CAIFX having a 7.86% return and CDDYX slightly higher at 8.15%. Over the past 10 years, CAIFX has underperformed CDDYX with an annualized return of 8.17%, while CDDYX has yielded a comparatively higher 12.64% annualized return.
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%
CDDYX
- 1D
- 0.94%
- 1M
- 1.47%
- YTD
- 8.15%
- 6M
- 8.50%
- 1Y
- 20.48%
- 3Y*
- 16.70%
- 5Y*
- 10.80%
- 10Y*
- 12.64%
CAIFX vs. CDDYX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
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% |
CDDYX Columbia Dividend Income Fund Institutional 3 Class | 8.15% | 15.95% | 15.17% | 10.65% | -4.84% | 26.43% | 7.92% | 28.74% | -4.27% | 20.34% |
Correlation
The correlation between CAIFX and CDDYX is 0.82, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.82 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.85 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.89 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.87 |
Correlation (All Time) Calculated using the full available price history since Nov 12, 2012 | 0.88 |
The correlation between CAIFX and CDDYX has been stable across timeframes, ranging from 0.82 to 0.89 - a consistent structural relationship.
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Return for Risk
CAIFX vs. CDDYX — Risk / Return Rank
CAIFX
CDDYX
CAIFX vs. CDDYX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Capital Income Builder Fund Class F-2 (CAIFX) and Columbia Dividend Income Fund Institutional 3 Class (CDDYX). 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.
| CAIFX | CDDYX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.04 | ||
| Sortino ratioReturn per unit of downside risk | +0.01 | ||
| Omega ratioGain probability vs. loss probability | 1.45 | 1.41 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.92 | 3.83 | -0.91 |
| Martin ratioReturn relative to average drawdown | 11.65 | 14.44 | -2.78 |
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
| CAIFX | CDDYX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.37 | 2.33 | +0.04 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.88 | 0.82 | +0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.75 | 0.81 | -0.06 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.55 | 0.88 | -0.33 |
Drawdowns
CAIFX vs. CDDYX - Drawdown Comparison
The maximum CAIFX drawdown since its inception was -36.83%, which is greater than CDDYX's maximum drawdown of -32.74%. Use the drawdown chart below to compare losses from any high point for CAIFX and CDDYX.
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Drawdown Indicators
| CAIFX | CDDYX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -36.83% | -32.74% | -4.09% |
Max Drawdown (1Y)Largest decline over 1 year | -6.47% | -5.51% | -0.96% |
Max Drawdown (3Y)Largest decline over 3 years | -8.88% | -12.99% | +4.11% |
Max Drawdown (5Y)Largest decline over 5 years | -17.51% | -16.91% | -0.60% |
Max Drawdown (10Y)Largest decline over 10 years | -25.27% | -32.74% | +7.47% |
Current DrawdownCurrent decline from peak | 0.00% | -0.30% | +0.30% |
Average DrawdownAverage peak-to-trough decline | -4.71% | -2.77% | -1.94% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.62% | 1.46% | +0.16% |
Volatility
CAIFX vs. CDDYX - Volatility Comparison
American Funds Capital Income Builder Fund Class F-2 (CAIFX) and Columbia Dividend Income Fund Institutional 3 Class (CDDYX) have volatilities of 2.47% and 2.48%, 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
| CAIFX | CDDYX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.47% | 2.48% | -0.01% |
Volatility (6M)Calculated over the trailing 6-month period | 6.41% | 6.87% | -0.46% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.99% | 9.07% | -1.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.98% | 13.27% | -3.29% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.88% | 15.69% | -4.81% |
CAIFX vs. CDDYX - Expense Ratio Comparison
CAIFX has a 0.37% expense ratio, which is lower than CDDYX's 0.55% expense ratio.
Dividends
CAIFX vs. CDDYX - Dividend Comparison
CAIFX's dividend yield for the trailing twelve months is around 7.42%, more than CDDYX's 4.97% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
CDDYX Columbia Dividend Income Fund Institutional 3 Class | 4.97% | 5.33% | 5.99% | 4.96% | 3.90% | 2.93% | 1.85% | 3.28% | 7.65% | 4.03% | 3.84% | 8.35% |
Frequently Asked Questions
CAIFX and CDDYX have a correlation of 0.82, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CDDYX has higher volatility (2.48%) compared to CAIFX (2.47%). In terms of maximum drawdown, CAIFX dropped -36.83% vs CDDYX's -32.74%.
CAIFX currently has the higher Sharpe Ratio (2.37 vs 2.33), 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.
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