IRGMX vs. CSTAX
Compare and contrast key facts about Voya Retirement Moderate Growth Portfolio (IRGMX) and American Funds College 2027 Fund (CSTAX).
IRGMX is managed by Voya. It was launched on Apr 27, 2006. CSTAX is managed by American Funds. It was launched on Sep 13, 2012.
Performance
IRGMX vs. CSTAX - Performance Comparison
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IRGMX vs. CSTAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
IRGMX Voya Retirement Moderate Growth Portfolio | -4.07% | 14.26% | 12.89% | 15.88% | -16.04% | 14.38% | 13.54% | 20.44% | -8.06% | 15.10% |
CSTAX American Funds College 2027 Fund | -0.65% | 9.00% | 5.57% | 6.57% | -9.87% | 6.52% | 7.66% | 13.35% | -2.23% | 11.77% |
Returns By Period
In the year-to-date period, IRGMX achieves a -4.07% return, which is significantly lower than CSTAX's -0.65% return. Over the past 10 years, IRGMX has outperformed CSTAX with an annualized return of 7.73%, while CSTAX has yielded a comparatively lower 4.97% annualized return.
IRGMX
- 1D
- -1.15%
- 1M
- -6.26%
- YTD
- -4.07%
- 6M
- -1.97%
- 1Y
- 10.75%
- 3Y*
- 10.86%
- 5Y*
- 6.08%
- 10Y*
- 7.73%
CSTAX
- 1D
- 0.25%
- 1M
- -2.48%
- YTD
- -0.65%
- 6M
- 0.73%
- 1Y
- 5.79%
- 3Y*
- 5.94%
- 5Y*
- 2.92%
- 10Y*
- 4.97%
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IRGMX vs. CSTAX - Expense Ratio Comparison
IRGMX has a 0.26% expense ratio, which is lower than CSTAX's 0.41% expense ratio.
Return for Risk
IRGMX vs. CSTAX — Risk / Return Rank
IRGMX
CSTAX
IRGMX vs. CSTAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Voya Retirement Moderate Growth Portfolio (IRGMX) and American Funds College 2027 Fund (CSTAX). 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.
| IRGMX | CSTAX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.05 | 1.73 | -0.68 |
Sortino ratioReturn per unit of downside risk | 1.56 | 2.47 | -0.91 |
Omega ratioGain probability vs. loss probability | 1.23 | 1.35 | -0.13 |
Calmar ratioReturn relative to maximum drawdown | 0.89 | 2.23 | -1.34 |
Martin ratioReturn relative to average drawdown | 4.24 | 9.16 | -4.92 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| IRGMX | CSTAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.05 | 1.73 | -0.68 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.57 | 0.00 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.69 | 0.86 | -0.16 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.69 | 0.86 | -0.16 |
Correlation
The correlation between IRGMX and CSTAX is 0.85, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
IRGMX vs. CSTAX - Dividend Comparison
IRGMX's dividend yield for the trailing twelve months is around 23.97%, more than CSTAX's 5.30% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IRGMX Voya Retirement Moderate Growth Portfolio | 23.97% | 22.99% | 7.83% | 9.72% | 17.03% | 6.44% | 6.69% | 8.86% | 8.13% | 9.42% | 11.83% | 5.09% |
CSTAX American Funds College 2027 Fund | 5.30% | 5.26% | 3.78% | 3.17% | 3.40% | 7.52% | 5.72% | 4.00% | 4.78% | 3.90% | 4.34% | 4.49% |
Drawdowns
IRGMX vs. CSTAX - Drawdown Comparison
The maximum IRGMX drawdown since its inception was -23.38%, which is greater than CSTAX's maximum drawdown of -14.52%. Use the drawdown chart below to compare losses from any high point for IRGMX and CSTAX.
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Drawdown Indicators
| IRGMX | CSTAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.38% | -14.52% | -8.86% |
Max Drawdown (1Y)Largest decline over 1 year | -7.87% | -2.72% | -5.15% |
Max Drawdown (5Y)Largest decline over 5 years | -21.53% | -14.52% | -7.01% |
Max Drawdown (10Y)Largest decline over 10 years | -23.38% | -14.52% | -8.86% |
Current DrawdownCurrent decline from peak | -6.35% | -2.48% | -3.87% |
Average DrawdownAverage peak-to-trough decline | -3.42% | -2.37% | -1.05% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.96% | 0.66% | +1.30% |
Volatility
IRGMX vs. CSTAX - Volatility Comparison
Voya Retirement Moderate Growth Portfolio (IRGMX) has a higher volatility of 2.50% compared to American Funds College 2027 Fund (CSTAX) at 1.32%. This indicates that IRGMX's price experiences larger fluctuations and is considered to be riskier than CSTAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| IRGMX | CSTAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.50% | 1.32% | +1.18% |
Volatility (6M)Calculated over the trailing 6-month period | 6.02% | 2.05% | +3.97% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.38% | 3.47% | +7.91% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.85% | 5.16% | +5.69% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.26% | 5.82% | +5.44% |