CFIHX vs. ZTR

Last updated Apr 2, 2026

Compare and contrast key facts about American Funds Capital Income Builder Fund Class F-3 (CFIHX) and Virtus Total Return Fund (ZTR).

CFIHX is managed by American Funds. ZTR is an actively managed fund by Virtus. It was launched on Feb 24, 2005.

Performance

CFIHX vs. ZTR - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in American Funds Capital Income Builder Fund Class F-3 (CFIHX) and Virtus Total Return Fund (ZTR). The values are adjusted to include any dividend payments, if applicable.

CFIHX vs. ZTR - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
CFIHX American Funds Capital Income Builder Fund Class F-3	1.72%	20.76%	9.78%	9.31%	-6.86%	15.39%	3.52%	17.60%	-6.77%	13.12%
ZTR Virtus Total Return Fund	9.60%	18.63%	18.31%	-3.21%	-21.32%	20.57%	-11.78%	44.65%	-24.86%	31.13%

Returns By Period

In the year-to-date period, CFIHX achieves a 1.72% return, which is significantly lower than ZTR's 9.60% return.

CFIHX

• 1D: 1.49%
• 1M: -4.12%
• YTD: 1.72%
• 6M: 4.41%
• 1Y: 16.56%
• 3Y*: 13.01%
• 5Y*: 8.41%
• 10Y*: —

ZTR

• 1D: 1.96%
• 1M: -4.23%
• YTD: 9.60%
• 6M: 9.40%
• 1Y: 23.96%
• 3Y*: 13.24%
• 5Y*: 5.56%
• 10Y*: 6.63%

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

CFIHX vs. ZTR - Expense Ratio Comparison

CFIHX has a 0.26% expense ratio, which is lower than ZTR's 3.77% expense ratio.

ZTR

Virtus Total Return Fund

CFIHX

American Funds Capital Income Builder Fund Class F-3

Return for Risk

CFIHX vs. ZTR — Risk / Return Rank

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

CFIHX

CFIHX Risk / Return Rank: 80
CFIHX Sharpe Ratio Rank: 82
CFIHX Sortino Ratio Rank: 81
CFIHX Omega Ratio Rank: 81
CFIHX Calmar Ratio Rank: 76
CFIHX Martin Ratio Rank: 83

ZTR

ZTR Risk / Return Rank: 80
ZTR Sharpe Ratio Rank: 80
ZTR Sortino Ratio Rank: 80
ZTR Omega Ratio Rank: 78
ZTR Calmar Ratio Rank: 80
ZTR Martin Ratio Rank: 83

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.

CFIHX vs. ZTR - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for American Funds Capital Income Builder Fund Class F-3 (CFIHX) and Virtus Total Return Fund (ZTR). 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.

	CFIHX	ZTR	Difference
Sharpe ratio Return per unit of total volatility	1.65	1.61	+0.04
Sortino ratio Return per unit of downside risk	2.24	2.22	+0.03
Omega ratio Gain probability vs. loss probability	1.34	1.32	+0.01
Calmar ratio Return relative to maximum drawdown	2.05	2.18	-0.14
Martin ratio Return relative to average drawdown	9.40	9.41	-0.01
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

CFIHX vs. ZTR - Sharpe Ratio Comparison

The current CFIHX Sharpe Ratio is 1.65, which is comparable to the ZTR Sharpe Ratio of 1.61. The chart below compares the historical Sharpe Ratios of CFIHX and ZTR, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	CFIHX	ZTR	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.65	1.61	+0.04
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.85	0.33	+0.52
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.31	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.74	0.31	+0.42

Correlation

The correlation between CFIHX and ZTR is 0.53, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

CFIHX vs. ZTR - Dividend Comparison

CFIHX's dividend yield for the trailing twelve months is around 7.98%, less than ZTR's 8.89% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CFIHX American Funds Capital Income Builder Fund Class F-3	7.98%	8.03%	5.35%	3.79%	3.77%	3.46%	3.70%	4.41%	4.11%	4.74%	0.00%	0.00%
ZTR Virtus Total Return Fund	8.89%	9.52%	10.24%	15.25%	15.88%	10.96%	13.72%	11.89%	15.18%	13.85%	10.58%	9.11%

Drawdowns

CFIHX vs. ZTR - Drawdown Comparison

The maximum CFIHX drawdown since its inception was -25.26%, smaller than the maximum ZTR drawdown of -57.25%. Use the drawdown chart below to compare losses from any high point for CFIHX and ZTR.

Drawdown Indicators

	CFIHX	ZTR	Difference
Max Drawdown Largest peak-to-trough decline	-25.26%	-57.25%	+31.99%
Max Drawdown (1Y) Largest decline over 1 year	-8.37%	-11.17%	+2.80%
Max Drawdown (5Y) Largest decline over 5 years	-17.45%	-42.64%	+25.19%
Max Drawdown (10Y) Largest decline over 10 years	—	-57.25%	—
Current Drawdown Current decline from peak	-4.83%	-4.23%	-0.60%
Average Drawdown Average peak-to-trough decline	-3.48%	-9.38%	+5.90%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.82%	2.59%	-0.77%

Volatility

CFIHX vs. ZTR - Volatility Comparison

The current volatility for American Funds Capital Income Builder Fund Class F-3 (CFIHX) is 3.72%, while Virtus Total Return Fund (ZTR) has a volatility of 4.85%. This indicates that CFIHX experiences smaller price fluctuations and is considered to be less risky than ZTR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CFIHX	ZTR	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.72%	4.85%	-1.13%
Volatility (6M) Calculated over the trailing 6-month period	6.13%	8.53%	-2.40%
Volatility (1Y) Calculated over the trailing 1-year period	10.20%	14.92%	-4.72%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	9.96%	16.87%	-6.91%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	11.00%	21.58%	-10.58%