CSTAX vs. FHLKX
Compare and contrast key facts about American Funds College 2027 Fund (CSTAX) and Fidelity Health Savings Fund Class K (FHLKX).
CSTAX is managed by American Funds. It was launched on Sep 13, 2012. FHLKX is managed by Fidelity. It was launched on Mar 2, 2020.
Performance
CSTAX vs. FHLKX - Performance Comparison
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CSTAX vs. FHLKX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
CSTAX American Funds College 2027 Fund | -0.65% | 9.00% | 5.57% | 6.57% | -9.87% | 6.52% | 8.16% |
FHLKX Fidelity Health Savings Fund Class K | -0.73% | 12.17% | 7.06% | 9.82% | -14.79% | 5.50% | 10.70% |
Returns By Period
In the year-to-date period, CSTAX achieves a -0.65% return, which is significantly higher than FHLKX's -0.73% return.
CSTAX
- 1D
- 0.25%
- 1M
- -2.48%
- YTD
- -0.65%
- 6M
- 0.73%
- 1Y
- 5.79%
- 3Y*
- 5.94%
- 5Y*
- 2.92%
- 10Y*
- 4.97%
FHLKX
- 1D
- 0.09%
- 1M
- -4.25%
- YTD
- -0.73%
- 6M
- 1.25%
- 1Y
- 10.18%
- 3Y*
- 7.91%
- 5Y*
- 3.52%
- 10Y*
- —
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CSTAX vs. FHLKX - Expense Ratio Comparison
CSTAX has a 0.41% expense ratio, which is higher than FHLKX's 0.37% expense ratio.
Return for Risk
CSTAX vs. FHLKX — Risk / Return Rank
CSTAX
FHLKX
CSTAX vs. FHLKX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds College 2027 Fund (CSTAX) and Fidelity Health Savings Fund Class K (FHLKX). 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.
| CSTAX | FHLKX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.73 | 1.52 | +0.21 |
Sortino ratioReturn per unit of downside risk | 2.47 | 2.12 | +0.36 |
Omega ratioGain probability vs. loss probability | 1.35 | 1.32 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 2.23 | 1.96 | +0.27 |
Martin ratioReturn relative to average drawdown | 9.16 | 8.66 | +0.50 |
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
| CSTAX | FHLKX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.73 | 1.52 | +0.21 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.53 | +0.04 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.86 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.86 | 0.62 | +0.24 |
Correlation
The correlation between CSTAX and FHLKX is 0.86, 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
CSTAX vs. FHLKX - Dividend Comparison
CSTAX's dividend yield for the trailing twelve months is around 5.30%, more than FHLKX's 3.09% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CSTAX American Funds College 2027 Fund | 5.30% | 5.26% | 3.78% | 3.17% | 3.40% | 7.52% | 5.72% | 4.00% | 4.78% | 3.90% | 4.34% | 4.49% |
FHLKX Fidelity Health Savings Fund Class K | 3.09% | 3.05% | 3.01% | 2.88% | 3.85% | 2.84% | 1.73% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Drawdowns
CSTAX vs. FHLKX - Drawdown Comparison
The maximum CSTAX drawdown since its inception was -14.52%, smaller than the maximum FHLKX drawdown of -19.09%. Use the drawdown chart below to compare losses from any high point for CSTAX and FHLKX.
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Drawdown Indicators
| CSTAX | FHLKX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.52% | -19.09% | +4.57% |
Max Drawdown (1Y)Largest decline over 1 year | -2.72% | -4.97% | +2.25% |
Max Drawdown (5Y)Largest decline over 5 years | -14.52% | -19.09% | +4.57% |
Max Drawdown (10Y)Largest decline over 10 years | -14.52% | — | — |
Current DrawdownCurrent decline from peak | -2.48% | -4.34% | +1.86% |
Average DrawdownAverage peak-to-trough decline | -2.37% | -4.94% | +2.57% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.66% | 1.13% | -0.47% |
Volatility
CSTAX vs. FHLKX - Volatility Comparison
The current volatility for American Funds College 2027 Fund (CSTAX) is 1.32%, while Fidelity Health Savings Fund Class K (FHLKX) has a volatility of 2.76%. This indicates that CSTAX experiences smaller price fluctuations and is considered to be less risky than FHLKX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CSTAX | FHLKX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.32% | 2.76% | -1.44% |
Volatility (6M)Calculated over the trailing 6-month period | 2.05% | 4.38% | -2.33% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.47% | 6.76% | -3.29% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.16% | 6.65% | -1.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.82% | 7.26% | -1.44% |