MACHX vs. CSTAX
Compare and contrast key facts about Mutual of America Composite Fund (MACHX) and American Funds College 2027 Fund (CSTAX).
MACHX is managed by Mutual of America. It was launched on Nov 29, 2021. CSTAX is managed by American Funds. It was launched on Sep 13, 2012.
Performance
MACHX vs. CSTAX - Performance Comparison
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MACHX vs. CSTAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
MACHX Mutual of America Composite Fund | -2.83% | 18.88% | 16.49% | 14.56% | -12.57% | 14.64% | 919.15% |
CSTAX American Funds College 2027 Fund | -0.65% | 9.00% | 5.57% | 6.57% | -9.87% | 6.52% | 7.33% |
Returns By Period
In the year-to-date period, MACHX achieves a -2.83% return, which is significantly lower than CSTAX's -0.65% return.
MACHX
- 1D
- -1.04%
- 1M
- -5.88%
- YTD
- -2.83%
- 6M
- 0.03%
- 1Y
- 15.75%
- 3Y*
- 13.97%
- 5Y*
- 8.25%
- 10Y*
- —
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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MACHX vs. CSTAX - Expense Ratio Comparison
MACHX has a 0.54% expense ratio, which is higher than CSTAX's 0.41% expense ratio.
Return for Risk
MACHX vs. CSTAX — Risk / Return Rank
MACHX
CSTAX
MACHX vs. CSTAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Mutual of America Composite Fund (MACHX) 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.
| MACHX | CSTAX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.58 | 1.73 | -0.15 |
Sortino ratioReturn per unit of downside risk | 2.32 | 2.47 | -0.15 |
Omega ratioGain probability vs. loss probability | 1.34 | 1.35 | -0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.26 | 2.23 | -0.96 |
Martin ratioReturn relative to average drawdown | 5.51 | 9.16 | -3.65 |
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
| MACHX | CSTAX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.58 | 1.73 | -0.15 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.73 | 0.57 | +0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.86 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.17 | 0.86 | -0.69 |
Correlation
The correlation between MACHX and CSTAX is 0.67, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
MACHX vs. CSTAX - Dividend Comparison
MACHX's dividend yield for the trailing twelve months is around 12.09%, more than CSTAX's 5.30% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MACHX Mutual of America Composite Fund | 12.09% | 11.75% | 8.06% | 6.00% | 6.23% | 3.64% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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
MACHX vs. CSTAX - Drawdown Comparison
The maximum MACHX drawdown since its inception was -21.24%, which is greater than CSTAX's maximum drawdown of -14.52%. Use the drawdown chart below to compare losses from any high point for MACHX and CSTAX.
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Drawdown Indicators
| MACHX | CSTAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.24% | -14.52% | -6.72% |
Max Drawdown (1Y)Largest decline over 1 year | -7.49% | -2.72% | -4.77% |
Max Drawdown (5Y)Largest decline over 5 years | -18.57% | -14.52% | -4.05% |
Max Drawdown (10Y)Largest decline over 10 years | — | -14.52% | — |
Current DrawdownCurrent decline from peak | -6.17% | -2.48% | -3.69% |
Average DrawdownAverage peak-to-trough decline | -4.27% | -2.37% | -1.90% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.25% | 0.66% | +1.59% |
Volatility
MACHX vs. CSTAX - Volatility Comparison
Mutual of America Composite Fund (MACHX) has a higher volatility of 2.38% compared to American Funds College 2027 Fund (CSTAX) at 1.32%. This indicates that MACHX'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
| MACHX | CSTAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.38% | 1.32% | +1.06% |
Volatility (6M)Calculated over the trailing 6-month period | 6.34% | 2.05% | +4.29% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.52% | 3.47% | +8.05% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.75% | 5.16% | +7.59% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 384.75% | 5.82% | +378.93% |