MAIFX vs. FSOSX
MAIFX (Mutual of America International Fund) and FSOSX (Fidelity Series Overseas Fund) are both Foreign Large Cap Equities funds. Over the past 5 years, MAIFX returned 10.16%/yr vs 5.77%/yr for FSOSX. Their 0.79 correlation means they have sometimes moved together and sometimes differently. MAIFX charges 0.13%/yr vs 0.01%/yr for FSOSX.
Performance
MAIFX vs. FSOSX - Performance Comparison
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Returns By Period
In the year-to-date period, MAIFX achieves a 11.94% return, which is significantly higher than FSOSX's 5.89% return.
MAIFX
- 1D
- 2.98%
- 1M
- 2.37%
- 6M
- 5.24%
- YTD
- 11.94%
- 1Y
- 26.44%
- 3Y*
- 17.79%
- 5Y*
- 10.16%
- 10Y*
- —
- ALL TIME*
- 55.37%
FSOSX
- 1D
- 3.74%
- 1M
- -1.43%
- 6M
- 2.20%
- YTD
- 5.89%
- 1Y
- 10.65%
- 3Y*
- 12.17%
- 5Y*
- 5.77%
- 10Y*
- —
- ALL TIME*
- 9.49%
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 |
MAIFX vs. FSOSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
MAIFX Mutual of America International Fund | 11.94% | 37.23% | 3.22% | 16.96% | -12.81% | 9.11% | 926.37% |
FSOSX Fidelity Series Overseas Fund | 5.89% | 21.29% | 5.87% | 21.49% | -23.25% | 19.59% | 16.36% |
Correlation
The correlation between MAIFX and FSOSX is 0.85, 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. | 0.86 |
Correlation (3Y) Balances recent behavior with more history. | 0.87 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.81 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2020 | 0.79 |
The correlation between MAIFX and FSOSX has been stable across timeframes, ranging from 0.79 to 0.87 - a consistent structural relationship.
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Return for Risk
MAIFX vs. FSOSX — Risk / Return Rank
MAIFX
FSOSX
MAIFX vs. FSOSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Mutual of America International Fund (MAIFX) and Fidelity Series Overseas Fund (FSOSX). 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.
| MAIFX | FSOSX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.22 | ||
| Sortino ratioReturn per unit of downside risk | +1.73 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.10 | +0.21 |
| Calmar ratioReturn relative to maximum drawdown | 2.45 | 0.70 | +1.75 |
| Martin ratioReturn relative to average drawdown | 8.31 | 2.38 | +5.93 |
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Drawdowns
MAIFX vs. FSOSX - Drawdown Comparison
The maximum MAIFX drawdown since its inception was -33.70%, roughly equal to the maximum FSOSX drawdown of -35.36%. Use the drawdown chart below to compare losses from any high point for MAIFX and FSOSX.
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Drawdown Indicators
| MAIFX | FSOSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.70% | -35.36% | +1.66% |
Max Drawdown (1Y)Largest decline over 1 year | -11.57% | -12.39% | +0.82% |
Max Drawdown (3Y)Largest decline over 3 years | -12.87% | -14.07% | +1.20% |
Max Drawdown (5Y)Largest decline over 5 years | -29.00% | -35.36% | +6.36% |
Current DrawdownCurrent decline from peak | 0.00% | -3.54% | +3.54% |
Average DrawdownAverage peak-to-trough decline | -5.95% | -7.67% | +1.72% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 3.28% | 3.64% | -0.36% |
Volatility
MAIFX vs. FSOSX - Volatility Comparison
The current volatility for Mutual of America International Fund (MAIFX) is 5.06%, while Fidelity Series Overseas Fund (FSOSX) has a volatility of 6.20%. This indicates that MAIFX experiences smaller price fluctuations and is considered to be less risky than FSOSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| MAIFX | FSOSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.06% | 6.20% | -1.14% |
Volatility (6M)Calculated over the trailing 6-month period | 13.99% | 16.57% | -2.58% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.85% | 18.60% | -1.75% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.45% | 18.06% | +0.39% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 374.55% | 19.15% | +355.40% |
MAIFX vs. FSOSX - Expense Ratio Comparison
MAIFX has a 0.13% expense ratio, which is higher than FSOSX's 0.01% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
MAIFX vs. FSOSX - Dividend Comparison
MAIFX's dividend yield for the trailing twelve months is around 3.31%, less than FSOSX's 8.64% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
FSOSX Fidelity Series Overseas Fund | 8.64% | 9.15% | 2.25% | 1.63% | 1.80% | 2.92% | 1.12% | 0.37% |
MAIFX Mutual of America International Fund | 3.31% | 3.39% | 1.94% | 3.77% | 9.48% | 9.92% | 0.00% | 0.00% |
Frequently Asked Questions
MAIFX and FSOSX have a correlation of 0.85, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FSOSX has higher volatility (6.20%) compared to MAIFX (5.06%). In terms of maximum drawdown, MAIFX dropped -33.70% vs FSOSX's -35.36%.
MAIFX currently has the higher Sharpe Ratio (1.68 vs 0.47), 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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