CTHAX vs. ANCFX
CTHAX (American Funds College 2030 Fund) and ANCFX (American Funds Fundamental Investors Class A) are both mutual funds - CTHAX is a Diversified Portfolio fund managed by American Funds, while ANCFX is a Large Cap Blend Equities fund actively managed by American Funds. Over the past 10 years, CTHAX returned 6.95%/yr vs 15.19%/yr for ANCFX. Their correlation of 0.88 suggests significant overlap in exposure. CTHAX charges 0.41%/yr vs 0.57%/yr for ANCFX.
Performance
CTHAX vs. ANCFX - Performance Comparison
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Returns By Period
In the year-to-date period, CTHAX achieves a 2.40% return, which is significantly lower than ANCFX's 14.25% return. Over the past 10 years, CTHAX has underperformed ANCFX with an annualized return of 6.95%, while ANCFX has yielded a comparatively higher 15.19% annualized return.
CTHAX
- 1D
- -0.21%
- 1M
- 0.36%
- YTD
- 2.40%
- 6M
- 2.40%
- 1Y
- 8.64%
- 3Y*
- 9.22%
- 5Y*
- 4.32%
- 10Y*
- 6.95%
ANCFX
- 1D
- -0.55%
- 1M
- 1.90%
- YTD
- 14.25%
- 6M
- 13.93%
- 1Y
- 31.50%
- 3Y*
- 25.26%
- 5Y*
- 14.63%
- 10Y*
- 15.19%
CTHAX vs. ANCFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CTHAX American Funds College 2030 Fund | 2.40% | 11.55% | 7.66% | 9.26% | -11.69% | 9.28% | 10.86% | 16.63% | -3.63% | 15.27% |
ANCFX American Funds Fundamental Investors Class A | 14.25% | 24.21% | 22.73% | 25.86% | -16.66% | 22.43% | 14.92% | 27.07% | -8.13% | 22.80% |
Correlation
The correlation between CTHAX and ANCFX is 0.79, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.79 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.78 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.81 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.87 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2013 | 0.88 |
The correlation between CTHAX and ANCFX shifts across timeframes, from 0.78 (3 years) to 0.88 (all time), reflecting how their relationship changes across market environments.
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Return for Risk
CTHAX vs. ANCFX — Risk / Return Rank
CTHAX
ANCFX
CTHAX vs. ANCFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds College 2030 Fund (CTHAX) and American Funds Fundamental Investors Class A (ANCFX). 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.
| CTHAX | ANCFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.23 | ||
| Sortino ratioReturn per unit of downside risk | -0.13 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.40 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 2.25 | 3.05 | -0.80 |
| Martin ratioReturn relative to average drawdown | 9.31 | 13.74 | -4.43 |
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Drawdowns
CTHAX vs. ANCFX - Drawdown Comparison
The maximum CTHAX drawdown since its inception was -17.17%, smaller than the maximum ANCFX drawdown of -53.29%. Use the drawdown chart below to compare losses from any high point for CTHAX and ANCFX.
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Drawdown Indicators
| CTHAX | ANCFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.17% | -53.29% | +36.12% |
Max Drawdown (1Y)Largest decline over 1 year | -4.03% | -10.66% | +6.63% |
Max Drawdown (3Y)Largest decline over 3 years | -6.16% | -17.97% | +11.81% |
Max Drawdown (5Y)Largest decline over 5 years | -17.11% | -25.07% | +7.96% |
Max Drawdown (10Y)Largest decline over 10 years | -17.17% | -33.93% | +16.76% |
Current DrawdownCurrent decline from peak | -0.56% | -0.77% | +0.21% |
Average DrawdownAverage peak-to-trough decline | -2.80% | -7.31% | +4.51% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.97% | 2.36% | -1.39% |
Volatility
CTHAX vs. ANCFX - Volatility Comparison
The current volatility for American Funds College 2030 Fund (CTHAX) is 1.50%, while American Funds Fundamental Investors Class A (ANCFX) has a volatility of 5.61%. This indicates that CTHAX experiences smaller price fluctuations and is considered to be less risky than ANCFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CTHAX | ANCFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.50% | 5.61% | -4.11% |
Volatility (6M)Calculated over the trailing 6-month period | 3.65% | 11.72% | -8.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.55% | 14.65% | -10.10% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.75% | 16.94% | -10.19% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.83% | 17.80% | -9.97% |
CTHAX vs. ANCFX - Expense Ratio Comparison
CTHAX has a 0.41% expense ratio, which is lower than ANCFX's 0.57% expense ratio.
Dividends
CTHAX vs. ANCFX - Dividend Comparison
CTHAX's dividend yield for the trailing twelve months is around 5.42%, less than ANCFX's 7.30% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ANCFX American Funds Fundamental Investors Class A | 7.30% | 8.54% | 8.90% | 5.80% | 4.98% | 10.97% | 2.61% | 6.91% | 9.31% | 7.28% | 4.71% | 6.08% |
CTHAX American Funds College 2030 Fund | 5.42% | 5.55% | 3.94% | 2.98% | 4.05% | 12.40% | 5.63% | 4.55% | 6.43% | 3.74% | 4.26% | 4.01% |
Frequently Asked Questions
CTHAX and ANCFX have a correlation of 0.79, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ANCFX has higher volatility (5.61%) compared to CTHAX (1.50%). In terms of maximum drawdown, CTHAX dropped -17.17% vs ANCFX's -53.29%.
ANCFX currently has the higher Sharpe Ratio (2.23 vs 2.00), 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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