FAPTX vs. AMECX
FAPTX (American Funds 2025 Target Date Retirement Fund Class F-1) and AMECX (American Funds The Income Fund of America Class A) are both mutual funds - FAPTX is a Target Retirement Date fund actively managed by American Funds, while AMECX is a Diversified Portfolio fund actively managed by American Funds. Both are actively managed. Over the past 10 years, FAPTX returned 7.85%/yr vs 8.39%/yr for AMECX. Their correlation of 0.92 suggests significant overlap in exposure. FAPTX charges 0.67%/yr vs 0.56%/yr for AMECX.
Performance
FAPTX vs. AMECX - Performance Comparison
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Returns By Period
In the year-to-date period, FAPTX achieves a 4.84% return, which is significantly lower than AMECX's 5.48% return. Over the past 10 years, FAPTX has underperformed AMECX with an annualized return of 7.85%, while AMECX has yielded a comparatively higher 8.39% annualized return.
FAPTX
- 1D
- 0.36%
- 1M
- 0.79%
- YTD
- 4.84%
- 6M
- 5.01%
- 1Y
- 13.31%
- 3Y*
- 11.21%
- 5Y*
- 5.91%
- 10Y*
- 7.85%
AMECX
- 1D
- -0.40%
- 1M
- -1.02%
- YTD
- 5.48%
- 6M
- 5.52%
- 1Y
- 14.19%
- 3Y*
- 12.78%
- 5Y*
- 8.08%
- 10Y*
- 8.39%
FAPTX vs. AMECX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FAPTX American Funds 2025 Target Date Retirement Fund Class F-1 | 4.84% | 14.15% | 8.89% | 11.63% | -13.11% | 11.03% | 13.39% | 17.28% | -3.76% | 14.97% |
AMECX American Funds The Income Fund of America Class A | 5.48% | 17.77% | 10.84% | 6.79% | -6.40% | 17.37% | 4.49% | 18.50% | -5.27% | 12.58% |
Correlation
The correlation between FAPTX and AMECX is 0.84, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.84 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.88 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.90 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since Feb 24, 2014 | 0.92 |
The correlation between FAPTX and AMECX has been stable across timeframes, ranging from 0.84 to 0.92 - a consistent structural relationship.
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Return for Risk
FAPTX vs. AMECX — Risk / Return Rank
FAPTX
AMECX
FAPTX vs. AMECX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2025 Target Date Retirement Fund Class F-1 (FAPTX) and American Funds The Income Fund of America Class A (AMECX). 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.
| FAPTX | AMECX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.16 | ||
| Sortino ratioReturn per unit of downside risk | +0.26 | ||
| Omega ratioGain probability vs. loss probability | 1.40 | 1.35 | +0.06 |
| Calmar ratioReturn relative to maximum drawdown | 2.48 | 2.33 | +0.15 |
| Martin ratioReturn relative to average drawdown | 11.03 | 8.61 | +2.42 |
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Drawdowns
FAPTX vs. AMECX - Drawdown Comparison
The maximum FAPTX drawdown since its inception was -19.23%, smaller than the maximum AMECX drawdown of -41.92%. Use the drawdown chart below to compare losses from any high point for FAPTX and AMECX.
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Drawdown Indicators
| FAPTX | AMECX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.23% | -41.92% | +22.69% |
Max Drawdown (1Y)Largest decline over 1 year | -5.35% | -6.13% | +0.78% |
Max Drawdown (3Y)Largest decline over 3 years | -6.83% | -8.58% | +1.75% |
Max Drawdown (5Y)Largest decline over 5 years | -19.05% | -15.78% | -3.27% |
Max Drawdown (10Y)Largest decline over 10 years | -19.23% | -26.13% | +6.90% |
Current DrawdownCurrent decline from peak | -0.36% | -2.02% | +1.66% |
Average DrawdownAverage peak-to-trough decline | -2.97% | -4.45% | +1.48% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.20% | 1.66% | -0.46% |
Volatility
FAPTX vs. AMECX - Volatility Comparison
American Funds 2025 Target Date Retirement Fund Class F-1 (FAPTX) and American Funds The Income Fund of America Class A (AMECX) have volatilities of 2.36% and 2.30%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FAPTX | AMECX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.36% | 2.30% | +0.06% |
Volatility (6M)Calculated over the trailing 6-month period | 5.23% | 5.82% | -0.59% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.36% | 7.41% | -1.05% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.25% | 9.47% | -1.22% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.97% | 10.69% | -1.72% |
FAPTX vs. AMECX - Expense Ratio Comparison
FAPTX has a 0.67% expense ratio, which is higher than AMECX's 0.56% expense ratio.
Dividends
FAPTX vs. AMECX - Dividend Comparison
FAPTX's dividend yield for the trailing twelve months is around 7.06%, less than AMECX's 9.55% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AMECX American Funds The Income Fund of America Class A | 9.55% | 9.94% | 6.38% | 2.93% | 6.98% | 6.67% | 2.80% | 5.01% | 7.48% | 4.26% | 3.09% | 5.09% |
FAPTX American Funds 2025 Target Date Retirement Fund Class F-1 | 7.06% | 7.41% | 5.22% | 3.04% | 3.96% | 6.26% | 3.63% | 3.69% | 4.08% | 2.40% | 3.30% | 5.92% |
Frequently Asked Questions
FAPTX and AMECX have a correlation of 0.84, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FAPTX has higher volatility (2.36%) compared to AMECX (2.30%). In terms of maximum drawdown, FAPTX dropped -19.23% vs AMECX's -41.92%.
FAPTX currently has the higher Sharpe Ratio (2.09 vs 1.93), 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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