FINFX vs. VLXVX
FINFX (American Funds Fundamental Investors® Class F-2) and VLXVX (Vanguard Target Retirement 2065 Fund) are both mutual funds - FINFX is a Large Cap Blend Equities fund managed by American Funds, while VLXVX is a Diversified Portfolio fund actively managed by Vanguard. Over the past 5 years, FINFX returned 13.97%/yr vs 9.56%/yr for VLXVX. Their 0.96 correlation means they have historically moved very closely together. FINFX charges 0.39%/yr vs 0.08%/yr for VLXVX.
Performance
FINFX vs. VLXVX - Performance Comparison
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Returns By Period
In the year-to-date period, FINFX achieves a 12.25% return, which is significantly higher than VLXVX's 10.02% return.
FINFX
- 1D
- 2.12%
- 1M
- -0.96%
- 6M
- 8.09%
- YTD
- 12.25%
- 1Y
- 24.90%
- 3Y*
- 22.25%
- 5Y*
- 13.97%
- 10Y*
- 14.54%
- ALL TIME*
- 11.67%
VLXVX
- 1D
- 1.90%
- 1M
- -0.45%
- 6M
- 6.79%
- YTD
- 10.02%
- 1Y
- 21.67%
- 3Y*
- 16.59%
- 5Y*
- 9.56%
- 10Y*
- —
- ALL TIME*
- 10.94%
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 |
FINFX vs. VLXVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FINFX American Funds Fundamental Investors® Class F-2 | 12.25% | 24.44% | 22.98% | 26.14% | -16.47% | 22.68% | 15.16% | 27.34% | -7.96% | 8.15% |
VLXVX Vanguard Target Retirement 2065 Fund | 10.02% | 21.44% | 14.37% | 20.40% | -17.41% | 16.46% | 16.18% | 24.97% | -7.94% | 7.68% |
Correlation
The correlation between FINFX and VLXVX is 0.95, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.95 |
Correlation (3Y) Balances recent behavior with more history. | 0.93 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Jul 27, 2017 | 0.96 |
The correlation between FINFX and VLXVX has been stable across timeframes, ranging from 0.93 to 0.96 - a consistent structural relationship.
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Return for Risk
FINFX vs. VLXVX — Risk / Return Rank
FINFX
VLXVX
FINFX vs. VLXVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Fundamental Investors® Class F-2 (FINFX) and Vanguard Target Retirement 2065 Fund (VLXVX). 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.
| FINFX | VLXVX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.10 | ||
| Sortino ratioReturn per unit of downside risk | -0.15 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.29 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 2.11 | 2.24 | -0.12 |
| Martin ratioReturn relative to average drawdown | 9.14 | 9.30 | -0.16 |
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Drawdowns
FINFX vs. VLXVX - Drawdown Comparison
The maximum FINFX drawdown since its inception was -46.54%, which is greater than VLXVX's maximum drawdown of -31.42%. Use the drawdown chart below to compare losses from any high point for FINFX and VLXVX.
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Drawdown Indicators
| FINFX | VLXVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -46.54% | -31.42% | -15.12% |
Max Drawdown (1Y)Largest decline over 1 year | -10.64% | -8.93% | -1.71% |
Max Drawdown (3Y)Largest decline over 3 years | -17.94% | -14.53% | -3.41% |
Max Drawdown (5Y)Largest decline over 5 years | -24.95% | -25.37% | +0.42% |
Max Drawdown (10Y)Largest decline over 10 years | -33.91% | — | — |
Current DrawdownCurrent decline from peak | -2.59% | -1.92% | -0.67% |
Average DrawdownAverage peak-to-trough decline | -5.96% | -4.93% | -1.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.46% | 2.14% | +0.32% |
Volatility
FINFX vs. VLXVX - Volatility Comparison
American Funds Fundamental Investors® Class F-2 (FINFX) has a higher volatility of 4.22% compared to Vanguard Target Retirement 2065 Fund (VLXVX) at 3.74%. This indicates that FINFX's price experiences larger fluctuations and is considered to be riskier than VLXVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FINFX | VLXVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.22% | 3.74% | +0.48% |
Volatility (6M)Calculated over the trailing 6-month period | 12.14% | 10.52% | +1.62% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.17% | 12.61% | +2.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.01% | 14.37% | +2.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 17.76% | 15.69% | +2.07% |
FINFX vs. VLXVX - Expense Ratio Comparison
FINFX has a 0.39% expense ratio, which is higher than VLXVX's 0.08% expense ratio.
Dividends
FINFX vs. VLXVX - Dividend Comparison
FINFX's dividend yield for the trailing twelve months is around 7.62%, more than VLXVX's 1.82% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FINFX American Funds Fundamental Investors® Class F-2 | 7.62% | 8.73% | 9.11% | 6.01% | 5.21% | 11.19% | 2.81% | 7.11% | 9.54% | 7.46% | 4.91% | 6.29% |
VLXVX Vanguard Target Retirement 2065 Fund | 1.82% | 2.00% | 2.11% | 2.06% | 2.00% | 1.93% | 1.60% | 1.90% | 1.85% | 0.78% | 0.00% | 0.00% |
Frequently Asked Questions
With a correlation of 0.95, FINFX and VLXVX 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.
FINFX has higher volatility (4.22%) compared to VLXVX (3.74%). In terms of maximum drawdown, FINFX dropped -46.54% vs VLXVX's -31.42%.
VLXVX currently has the higher Sharpe Ratio (1.58 vs 1.48), 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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