EINFX vs. SSFNX
EINFX (Elfun Income Fund) and SSFNX (State Street Target Retirement Fund) are both mutual funds - EINFX is a Intermediate Core-Plus Bond fund managed by State Street, while SSFNX is a Target Retirement Date fund managed by State Street. Over the past 10 years, EINFX returned 1.07%/yr vs 5.61%/yr for SSFNX. Their 0.31 correlation means their historical movements had little consistent relationship. EINFX charges 0.29%/yr vs 0.10%/yr for SSFNX.
Performance
EINFX vs. SSFNX - Performance Comparison
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Returns By Period
In the year-to-date period, EINFX achieves a -1.00% return, which is significantly lower than SSFNX's 5.13% return. Over the past 10 years, EINFX has underperformed SSFNX with an annualized return of 1.07%, while SSFNX has yielded a comparatively higher 5.61% annualized return.
EINFX
- 1D
- 0.00%
- 1M
- -1.14%
- 6M
- -1.18%
- YTD
- -1.00%
- 1Y
- 1.42%
- 3Y*
- 2.65%
- 5Y*
- -1.23%
- 10Y*
- 1.07%
- ALL TIME*
- 3.71%
SSFNX
- 1D
- 0.59%
- 1M
- 0.00%
- 6M
- 3.48%
- YTD
- 5.13%
- 1Y
- 10.22%
- 3Y*
- 8.89%
- 5Y*
- 4.12%
- 10Y*
- 5.61%
- ALL TIME*
- 5.26%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
EINFX Elfun Income Fund | $0.00 | $0.00 | $0.00 |
| $0.00 | $0.00 | $0.00 |
EINFX vs. SSFNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
EINFX Elfun Income Fund | -1.00% | 7.35% | -0.73% | 4.75% | -13.82% | -1.57% | 7.81% | 9.51% | -0.86% | 3.91% |
SSFNX State Street Target Retirement Fund | 5.13% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.26% | 13.97% | -2.49% | 8.92% |
Correlation
The correlation between EINFX and SSFNX is 0.51, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.51 |
Correlation (3Y) Balances recent behavior with more history. | 0.53 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.50 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.35 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.31 |
The correlation between EINFX and SSFNX shifts across timeframes, from 0.31 (all time) to 0.53 (3 years), reflecting how their relationship changes across market environments.
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Return for Risk
EINFX vs. SSFNX — Risk / Return Rank
EINFX
SSFNX
EINFX vs. SSFNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Elfun Income Fund (EINFX) and State Street Target Retirement Fund (SSFNX). 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.
| EINFX | SSFNX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.42 | ||
| Sortino ratioReturn per unit of downside risk | -1.99 | ||
| Omega ratioGain probability vs. loss probability | 1.12 | 1.41 | -0.29 |
| Calmar ratioReturn relative to maximum drawdown | 0.80 | 2.83 | -2.04 |
| Martin ratioReturn relative to average drawdown | 1.93 | 12.28 | -10.34 |
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Drawdowns
EINFX vs. SSFNX - Drawdown Comparison
The maximum EINFX drawdown since its inception was -19.78%, which is greater than SSFNX's maximum drawdown of -16.62%. Use the drawdown chart below to compare losses from any high point for EINFX and SSFNX.
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Drawdown Indicators
| EINFX | SSFNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.78% | -16.62% | -3.16% |
Max Drawdown (1Y)Largest decline over 1 year | -3.40% | -3.52% | +0.12% |
Max Drawdown (3Y)Largest decline over 3 years | -6.96% | -5.21% | -1.75% |
Max Drawdown (5Y)Largest decline over 5 years | -19.78% | -16.62% | -3.16% |
Max Drawdown (10Y)Largest decline over 10 years | -19.78% | -16.62% | -3.16% |
Current DrawdownCurrent decline from peak | -6.24% | -0.42% | -5.82% |
Average DrawdownAverage peak-to-trough decline | -3.58% | -2.49% | -1.09% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.40% | 0.81% | +0.59% |
Volatility
EINFX vs. SSFNX - Volatility Comparison
The current volatility for Elfun Income Fund (EINFX) is 0.95%, while State Street Target Retirement Fund (SSFNX) has a volatility of 1.23%. This indicates that EINFX experiences smaller price fluctuations and is considered to be less risky than SSFNX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| EINFX | SSFNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.95% | 1.23% | -0.28% |
Volatility (6M)Calculated over the trailing 6-month period | 3.11% | 3.97% | -0.86% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.03% | 4.78% | -0.75% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.51% | 6.63% | -0.12% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.24% | 6.56% | -1.32% |
EINFX vs. SSFNX - Expense Ratio Comparison
EINFX has a 0.29% expense ratio, which is higher than SSFNX's 0.10% expense ratio.
Dividends
EINFX vs. SSFNX - Dividend Comparison
EINFX's dividend yield for the trailing twelve months is around 3.57%, less than SSFNX's 4.63% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
EINFX Elfun Income Fund | 3.57% | 3.84% | 3.04% | 2.76% | 4.09% | 3.31% | 3.15% | 2.78% | 2.88% | 2.42% | 3.34% | 2.87% |
SSFNX State Street Target Retirement Fund | 4.63% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
Frequently Asked Questions
EINFX and SSFNX have a correlation of 0.51, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SSFNX has higher volatility (1.23%) compared to EINFX (0.95%). In terms of maximum drawdown, EINFX dropped -19.78% vs SSFNX's -16.62%.
SSFNX currently has the higher Sharpe Ratio (2.09 vs 0.67), 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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