CSTAX vs. RGAGX
Compare and contrast key facts about American Funds College 2027 Fund (CSTAX) and American Funds The Growth Fund of America Class R-6 (RGAGX).
CSTAX is managed by American Funds. It was launched on Sep 13, 2012. RGAGX is managed by American Funds. It was launched on Dec 1, 1973.
Performance
CSTAX vs. RGAGX - Performance Comparison
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CSTAX vs. RGAGX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CSTAX American Funds College 2027 Fund | -0.65% | 9.00% | 5.57% | 6.57% | -9.87% | 6.52% | 7.66% | 13.35% | -2.23% | 11.77% |
RGAGX American Funds The Growth Fund of America Class R-6 | -11.15% | 20.08% | 28.41% | 37.66% | -30.53% | 19.67% | 38.30% | 29.22% | -2.88% | 26.53% |
Returns By Period
In the year-to-date period, CSTAX achieves a -0.65% return, which is significantly higher than RGAGX's -11.15% return. Over the past 10 years, CSTAX has underperformed RGAGX with an annualized return of 4.97%, while RGAGX has yielded a comparatively higher 14.34% annualized 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%
RGAGX
- 1D
- -0.47%
- 1M
- -9.63%
- YTD
- -11.15%
- 6M
- -9.74%
- 1Y
- 13.94%
- 3Y*
- 19.23%
- 5Y*
- 8.87%
- 10Y*
- 14.34%
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CSTAX vs. RGAGX - Expense Ratio Comparison
CSTAX has a 0.41% expense ratio, which is higher than RGAGX's 0.30% expense ratio.
Return for Risk
CSTAX vs. RGAGX — Risk / Return Rank
CSTAX
RGAGX
CSTAX vs. RGAGX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds College 2027 Fund (CSTAX) and American Funds The Growth Fund of America Class R-6 (RGAGX). 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 | RGAGX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.73 | 0.66 | +1.06 |
Sortino ratioReturn per unit of downside risk | 2.47 | 1.09 | +1.38 |
Omega ratioGain probability vs. loss probability | 1.35 | 1.16 | +0.20 |
Calmar ratioReturn relative to maximum drawdown | 2.23 | 0.79 | +1.44 |
Martin ratioReturn relative to average drawdown | 9.16 | 3.04 | +6.12 |
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 | RGAGX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.73 | 0.66 | +1.06 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.44 | +0.13 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.86 | 0.73 | +0.12 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.86 | 0.79 | +0.07 |
Correlation
The correlation between CSTAX and RGAGX is 0.74, 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. RGAGX - Dividend Comparison
CSTAX's dividend yield for the trailing twelve months is around 5.30%, less than RGAGX's 12.37% 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% |
RGAGX American Funds The Growth Fund of America Class R-6 | 12.37% | 10.99% | 9.29% | 7.70% | 4.44% | 8.49% | 4.57% | 7.93% | 12.36% | 7.34% | 6.95% | 9.22% |
Drawdowns
CSTAX vs. RGAGX - Drawdown Comparison
The maximum CSTAX drawdown since its inception was -14.52%, smaller than the maximum RGAGX drawdown of -36.19%. Use the drawdown chart below to compare losses from any high point for CSTAX and RGAGX.
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Drawdown Indicators
| CSTAX | RGAGX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.52% | -36.19% | +21.67% |
Max Drawdown (1Y)Largest decline over 1 year | -2.72% | -13.71% | +10.99% |
Max Drawdown (5Y)Largest decline over 5 years | -14.52% | -36.19% | +21.67% |
Max Drawdown (10Y)Largest decline over 10 years | -14.52% | -36.19% | +21.67% |
Current DrawdownCurrent decline from peak | -2.48% | -13.71% | +11.23% |
Average DrawdownAverage peak-to-trough decline | -2.37% | -5.53% | +3.16% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.66% | 3.55% | -2.89% |
Volatility
CSTAX vs. RGAGX - Volatility Comparison
The current volatility for American Funds College 2027 Fund (CSTAX) is 1.32%, while American Funds The Growth Fund of America Class R-6 (RGAGX) has a volatility of 5.45%. This indicates that CSTAX experiences smaller price fluctuations and is considered to be less risky than RGAGX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CSTAX | RGAGX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.32% | 5.45% | -4.13% |
Volatility (6M)Calculated over the trailing 6-month period | 2.05% | 11.60% | -9.55% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.47% | 20.75% | -17.28% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.16% | 20.17% | -15.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.82% | 19.61% | -13.79% |