CSTAX vs. SIFAX
CSTAX (American Funds College 2027 Fund) and SIFAX (SEI Institutional Managed Trust Multi-Asset Inflation Managed Fund) are both Diversified Portfolio funds. Over the past 10 years, CSTAX returned 4.99%/yr vs 3.19%/yr for SIFAX. At a 0.38 correlation, their price movements are largely independent. CSTAX charges 0.41%/yr vs 0.90%/yr for SIFAX.
Performance
CSTAX vs. SIFAX - Performance Comparison
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Returns By Period
In the year-to-date period, CSTAX achieves a 1.38% return, which is significantly lower than SIFAX's 5.43% return. Over the past 10 years, CSTAX has outperformed SIFAX with an annualized return of 4.99%, while SIFAX has yielded a comparatively lower 3.19% annualized return.
CSTAX
- 1D
- 0.16%
- 1M
- 0.40%
- YTD
- 1.38%
- 6M
- 1.52%
- 1Y
- 6.38%
- 3Y*
- 6.72%
- 5Y*
- 2.95%
- 10Y*
- 4.99%
SIFAX
- 1D
- -0.60%
- 1M
- -3.02%
- YTD
- 5.43%
- 6M
- 5.82%
- 1Y
- 7.78%
- 3Y*
- 6.35%
- 5Y*
- 5.48%
- 10Y*
- 3.19%
CSTAX vs. SIFAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CSTAX American Funds College 2027 Fund | 1.38% | 9.00% | 5.57% | 6.57% | -9.87% | 6.52% | 7.66% | 13.35% | -2.23% | 11.77% |
SIFAX SEI Institutional Managed Trust Multi-Asset Inflation Managed Fund | 5.43% | 7.82% | 4.08% | -1.74% | 8.48% | 10.83% | -1.59% | 5.68% | -3.64% | -1.96% |
Correlation
The correlation between CSTAX and SIFAX is -0.06, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.06 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.17 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.27 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.36 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2013 | 0.38 |
The correlation between CSTAX and SIFAX shifts across timeframes, from -0.06 (1 year) to 0.38 (all time), reflecting how their relationship changes across market environments.
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Return for Risk
CSTAX vs. SIFAX — Risk / Return Rank
CSTAX
SIFAX
CSTAX vs. SIFAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds College 2027 Fund (CSTAX) and SEI Institutional Managed Trust Multi-Asset Inflation Managed Fund (SIFAX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CSTAX | SIFAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.66 | ||
| Sortino ratioReturn per unit of downside risk | +1.01 | ||
| Omega ratioGain probability vs. loss probability | 1.41 | 1.25 | +0.15 |
| Calmar ratioReturn relative to maximum drawdown | 2.39 | 1.85 | +0.54 |
| Martin ratioReturn relative to average drawdown | 9.06 | 8.26 | +0.79 |
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Drawdowns
CSTAX vs. SIFAX - Drawdown Comparison
The maximum CSTAX drawdown since its inception was -14.52%, smaller than the maximum SIFAX drawdown of -23.62%. Use the drawdown chart below to compare losses from any high point for CSTAX and SIFAX.
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Drawdown Indicators
| CSTAX | SIFAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.52% | -23.62% | +9.10% |
Max Drawdown (1Y)Largest decline over 1 year | -2.72% | -4.24% | +1.52% |
Max Drawdown (3Y)Largest decline over 3 years | -4.89% | -4.24% | -0.65% |
Max Drawdown (5Y)Largest decline over 5 years | -14.52% | -8.32% | -6.20% |
Max Drawdown (10Y)Largest decline over 10 years | -14.52% | -14.69% | +0.17% |
Current DrawdownCurrent decline from peak | -0.48% | -4.24% | +3.76% |
Average DrawdownAverage peak-to-trough decline | -2.34% | -8.53% | +6.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.72% | 0.95% | -0.23% |
Volatility
CSTAX vs. SIFAX - Volatility Comparison
The current volatility for American Funds College 2027 Fund (CSTAX) is 1.22%, while SEI Institutional Managed Trust Multi-Asset Inflation Managed Fund (SIFAX) has a volatility of 1.71%. This indicates that CSTAX experiences smaller price fluctuations and is considered to be less risky than SIFAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CSTAX | SIFAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.22% | 1.71% | -0.49% |
Volatility (6M)Calculated over the trailing 6-month period | 2.47% | 4.84% | -2.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.13% | 5.55% | -2.42% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.17% | 5.62% | -0.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.79% | 5.22% | +0.57% |
CSTAX vs. SIFAX - Expense Ratio Comparison
CSTAX has a 0.41% expense ratio, which is lower than SIFAX's 0.90% expense ratio.
Dividends
CSTAX vs. SIFAX - Dividend Comparison
CSTAX's dividend yield for the trailing twelve months is around 5.19%, more than SIFAX's 4.32% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CSTAX American Funds College 2027 Fund | 5.19% | 5.26% | 3.78% | 3.17% | 3.40% | 7.52% | 5.72% | 4.00% | 4.78% | 3.90% | 4.34% | 4.49% |
SIFAX SEI Institutional Managed Trust Multi-Asset Inflation Managed Fund | 4.32% | 4.55% | 3.25% | 3.82% | 11.90% | 7.89% | 1.45% | 1.49% | 1.90% | 1.39% | 1.15% | 0.48% |
Frequently Asked Questions
CSTAX and SIFAX have a correlation of -0.06, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SIFAX has higher volatility (1.71%) compared to CSTAX (1.22%). In terms of maximum drawdown, CSTAX dropped -14.52% vs SIFAX's -23.62%.
CSTAX currently has the higher Sharpe Ratio (2.07 vs 1.41), 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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