INPFX vs. GSBFX
INPFX (American Funds Conservative Growth and Income Portfolio Class F-1) and GSBFX (Goldman Sachs Income Builder Fund) are both Diversified Portfolio funds. Over the past 10 years, INPFX returned 7.02%/yr vs 6.89%/yr for GSBFX. Their correlation of 0.93 means they have usually moved in the same direction. INPFX charges 0.66%/yr vs 0.79%/yr for GSBFX.
Performance
INPFX vs. GSBFX - Performance Comparison
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Returns By Period
In the year-to-date period, INPFX achieves a 5.60% return, which is significantly lower than GSBFX's 6.71% return. Both investments have delivered pretty close results over the past 10 years, with INPFX having a 7.02% annualized return and GSBFX not far behind at 6.89%.
INPFX
- 1D
- 0.48%
- 1M
- 0.14%
- 6M
- 3.63%
- YTD
- 5.60%
- 1Y
- 11.79%
- 3Y*
- 11.09%
- 5Y*
- 6.45%
- 10Y*
- 7.02%
- ALL TIME*
- 7.25%
GSBFX
- 1D
- 0.70%
- 1M
- 0.16%
- 6M
- 5.01%
- YTD
- 6.71%
- 1Y
- 12.27%
- 3Y*
- 10.25%
- 5Y*
- 5.58%
- 10Y*
- 6.89%
- ALL TIME*
- 6.90%
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 |
INPFX vs. GSBFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
INPFX American Funds Conservative Growth and Income Portfolio Class F-1 | 5.60% | 14.29% | 9.20% | 9.46% | -8.74% | 12.90% | 5.67% | 15.76% | -3.57% | 11.43% |
GSBFX Goldman Sachs Income Builder Fund | 6.71% | 10.42% | 9.32% | 9.64% | -9.53% | 10.50% | 9.53% | 19.38% | -4.92% | 7.94% |
Correlation
The correlation between INPFX and GSBFX is 0.94, 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. | 0.94 |
Correlation (3Y) Balances recent behavior with more history. | 0.94 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.94 |
Correlation (All Time) Calculated using the full available price history since May 21, 2012 | 0.93 |
The correlation between INPFX and GSBFX has been stable across timeframes, ranging from 0.93 to 0.96 - a consistent structural relationship.
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Return for Risk
INPFX vs. GSBFX — Risk / Return Rank
INPFX
GSBFX
INPFX vs. GSBFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Conservative Growth and Income Portfolio Class F-1 (INPFX) and Goldman Sachs Income Builder Fund (GSBFX). 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.
| INPFX | GSBFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.25 | ||
| Sortino ratioReturn per unit of downside risk | -0.37 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.38 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.14 | 2.67 | -0.53 |
| Martin ratioReturn relative to average drawdown | 9.03 | 11.57 | -2.54 |
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Drawdowns
INPFX vs. GSBFX - Drawdown Comparison
The maximum INPFX drawdown since its inception was -21.31%, smaller than the maximum GSBFX drawdown of -37.04%. Use the drawdown chart below to compare losses from any high point for INPFX and GSBFX.
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Drawdown Indicators
| INPFX | GSBFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.31% | -37.04% | +15.73% |
Max Drawdown (1Y)Largest decline over 1 year | -5.20% | -4.44% | -0.76% |
Max Drawdown (3Y)Largest decline over 3 years | -7.02% | -8.14% | +1.12% |
Max Drawdown (5Y)Largest decline over 5 years | -15.37% | -15.94% | +0.57% |
Max Drawdown (10Y)Largest decline over 10 years | -21.31% | -23.42% | +2.11% |
Current DrawdownCurrent decline from peak | -0.14% | 0.00% | -0.14% |
Average DrawdownAverage peak-to-trough decline | -2.28% | -4.16% | +1.88% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.23% | 1.02% | +0.21% |
Volatility
INPFX vs. GSBFX - Volatility Comparison
The current volatility for American Funds Conservative Growth and Income Portfolio Class F-1 (INPFX) is 1.41%, while Goldman Sachs Income Builder Fund (GSBFX) has a volatility of 1.50%. This indicates that INPFX experiences smaller price fluctuations and is considered to be less risky than GSBFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| INPFX | GSBFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.41% | 1.50% | -0.09% |
Volatility (6M)Calculated over the trailing 6-month period | 4.90% | 4.68% | +0.22% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.13% | 5.74% | +0.39% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.54% | 7.44% | +0.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.31% | 7.96% | +0.35% |
INPFX vs. GSBFX - Expense Ratio Comparison
INPFX has a 0.66% expense ratio, which is lower than GSBFX's 0.79% expense ratio.
Dividends
INPFX vs. GSBFX - Dividend Comparison
INPFX's dividend yield for the trailing twelve months is around 5.39%, more than GSBFX's 5.06% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GSBFX Goldman Sachs Income Builder Fund | 5.06% | 4.39% | 5.12% | 3.41% | 4.10% | 6.66% | 3.05% | 3.52% | 3.98% | 3.52% | 3.78% | 3.93% |
INPFX American Funds Conservative Growth and Income Portfolio Class F-1 | 5.39% | 5.61% | 5.15% | 4.76% | 4.84% | 4.38% | 5.54% | 4.53% | 4.79% | 3.25% | 3.53% | 3.85% |
Frequently Asked Questions
With a correlation of 0.94, INPFX and GSBFX 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.
GSBFX has higher volatility (1.50%) compared to INPFX (1.41%). In terms of maximum drawdown, INPFX dropped -21.31% vs GSBFX's -37.04%.
GSBFX currently has the higher Sharpe Ratio (2.07 vs 1.82), 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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