FAQTX vs. RFNGX
FAQTX (American Funds 2035 Target Date Retirement Fund Class F-1) and RFNGX (American Funds Fundamental Investors Fund Class R6) are both mutual funds - FAQTX is a Target Retirement Date fund tracking the S&P Target Date 2035 Index, while RFNGX is a Large Cap Growth Equities fund actively managed by Capital Group. FAQTX is passively managed, while RFNGX is actively managed. Over the past 10 years, FAQTX returned 9.93%/yr vs 14.52%/yr for RFNGX. Their 0.97 correlation means they have historically moved very closely together. FAQTX charges 0.70%/yr vs 0.28%/yr for RFNGX.
Performance
FAQTX vs. RFNGX - Performance Comparison
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Returns By Period
In the year-to-date period, FAQTX achieves a 5.75% return, which is significantly lower than RFNGX's 11.96% return. Over the past 10 years, FAQTX has underperformed RFNGX with an annualized return of 9.93%, while RFNGX has yielded a comparatively higher 14.52% annualized return.
FAQTX
- 1D
- 0.14%
- 1M
- -0.36%
- 6M
- 2.96%
- YTD
- 5.75%
- 1Y
- 11.86%
- 3Y*
- 13.08%
- 5Y*
- 7.05%
- 10Y*
- 9.93%
- ALL TIME*
- 8.94%
RFNGX
- 1D
- 0.32%
- 1M
- -0.54%
- 6M
- 6.83%
- YTD
- 11.96%
- 1Y
- 21.96%
- 3Y*
- 22.19%
- 5Y*
- 13.91%
- 10Y*
- 14.52%
- ALL TIME*
- 13.47%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
FAQTX vs. RFNGX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FAQTX American Funds 2035 Target Date Retirement Fund Class F-1 | 5.75% | 16.70% | 12.40% | 16.47% | -16.54% | 15.16% | 17.15% | 22.78% | -5.50% | 20.65% |
RFNGX American Funds Fundamental Investors Fund Class R6 | 11.96% | 24.58% | 22.77% | 26.25% | -16.38% | 22.83% | 13.72% | 27.48% | -7.09% | 23.15% |
Correlation
The correlation between FAQTX and RFNGX is 0.96 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.96 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.97 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.97 |
Correlation (All Time) Calculated using the full available price history since Feb 24, 2014 | 0.97 |
The correlation between FAQTX and RFNGX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.
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Return for Risk
FAQTX vs. RFNGX — Risk / Return Rank
FAQTX
RFNGX
FAQTX vs. RFNGX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2035 Target Date Retirement Fund Class F-1 (FAQTX) and American Funds Fundamental Investors Fund Class R6 (RFNGX). 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.
| FAQTX | RFNGX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.18 | ||
| Sortino ratioReturn per unit of downside risk | -0.19 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.26 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 1.65 | 2.05 | -0.40 |
| Martin ratioReturn relative to average drawdown | 7.17 | 8.98 | -1.81 |
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Drawdowns
FAQTX vs. RFNGX - Drawdown Comparison
The maximum FAQTX drawdown since its inception was -26.70%, smaller than the maximum RFNGX drawdown of -33.90%. Use the drawdown chart below to compare losses from any high point for FAQTX and RFNGX.
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Drawdown Indicators
| FAQTX | RFNGX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.70% | -33.90% | +7.20% |
Max Drawdown (1Y)Largest decline over 1 year | -7.01% | -10.62% | +3.61% |
Max Drawdown (3Y)Largest decline over 3 years | -10.56% | -17.92% | +7.36% |
Max Drawdown (5Y)Largest decline over 5 years | -23.34% | -24.88% | +1.54% |
Max Drawdown (10Y)Largest decline over 10 years | -26.70% | -33.90% | +7.20% |
Current DrawdownCurrent decline from peak | -1.53% | -2.88% | +1.35% |
Average DrawdownAverage peak-to-trough decline | -3.89% | -4.00% | +0.11% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.61% | 2.43% | -0.82% |
Volatility
FAQTX vs. RFNGX - Volatility Comparison
The current volatility for American Funds 2035 Target Date Retirement Fund Class F-1 (FAQTX) is 1.98%, while American Funds Fundamental Investors Fund Class R6 (RFNGX) has a volatility of 3.61%. This indicates that FAQTX experiences smaller price fluctuations and is considered to be less risky than RFNGX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FAQTX | RFNGX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.98% | 3.61% | -1.63% |
Volatility (6M)Calculated over the trailing 6-month period | 7.24% | 11.84% | -4.60% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.03% | 14.95% | -5.92% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.51% | 16.97% | -5.46% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.66% | 17.75% | -5.09% |
FAQTX vs. RFNGX - Expense Ratio Comparison
FAQTX has a 0.70% expense ratio, which is higher than RFNGX's 0.28% expense ratio.
Dividends
FAQTX vs. RFNGX - Dividend Comparison
FAQTX's dividend yield for the trailing twelve months is around 5.67%, less than RFNGX's 7.73% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FAQTX American Funds 2035 Target Date Retirement Fund Class F-1 | 5.67% | 6.00% | 4.26% | 2.61% | 5.41% | 5.26% | 3.56% | 4.23% | 4.82% | 2.43% | 3.73% | 5.68% |
RFNGX American Funds Fundamental Investors Fund Class R6 | 7.73% | 8.82% | 8.91% | 6.10% | 5.33% | 11.29% | 1.77% | 7.21% | 10.67% | 7.56% | 5.01% | 6.01% |
Frequently Asked Questions
With a correlation of 0.96, FAQTX and RFNGX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
RFNGX has higher volatility (3.61%) compared to FAQTX (1.98%). In terms of maximum drawdown, FAQTX dropped -26.70% vs RFNGX's -33.90%.
RFNGX currently has the higher Sharpe Ratio (1.46 vs 1.28), 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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