MAIFX vs. MARMX

Last updated Apr 1, 2026

Compare and contrast key facts about Mutual of America International Fund (MAIFX) and Mutual of America Retirement Income Fund (MARMX).

MAIFX is managed by Mutual of America. It was launched on Nov 29, 2021. MARMX is managed by Mutual of America. It was launched on Nov 29, 2021.

Performance

MAIFX vs. MARMX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Mutual of America International Fund (MAIFX) and Mutual of America Retirement Income Fund (MARMX). The values are adjusted to include any dividend payments, if applicable.

MAIFX vs. MARMX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
MAIFX Mutual of America International Fund	-1.36%	37.23%	3.22%	16.96%	-12.81%	9.11%	1,067.50%
MARMX Mutual of America Retirement Income Fund	-1.88%	10.54%	5.88%	7.79%	-11.40%	3.49%	890.98%

Returns By Period

In the year-to-date period, MAIFX achieves a -1.36% return, which is significantly higher than MARMX's -1.88% return.

MAIFX

• 1D: -0.73%
• 1M: -11.07%
• YTD: -1.36%
• 6M: 3.58%
• 1Y: 23.47%
• 3Y*: 15.31%
• 5Y*: 8.43%
• 10Y*: —

MARMX

• 1D: -0.26%
• 1M: -3.84%
• YTD: -1.88%
• 6M: -0.21%
• 1Y: 7.50%
• 3Y*: 6.21%
• 5Y*: 2.53%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

MAIFX vs. MARMX - Expense Ratio Comparison

Both MAIFX and MARMX have an expense ratio of 0.13%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.

MAIFX

Mutual of America International Fund

MARMX

Mutual of America Retirement Income Fund

Return for Risk

MAIFX vs. MARMX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

MAIFX

MAIFX Risk / Return Rank: 78
MAIFX Sharpe Ratio Rank: 79
MAIFX Sortino Ratio Rank: 80
MAIFX Omega Ratio Rank: 76
MAIFX Calmar Ratio Rank: 77
MAIFX Martin Ratio Rank: 80

MARMX

MARMX Risk / Return Rank: 70
MARMX Sharpe Ratio Rank: 76
MARMX Sortino Ratio Rank: 81
MARMX Omega Ratio Rank: 74
MARMX Calmar Ratio Rank: 57
MARMX Martin Ratio Rank: 61

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

MAIFX vs. MARMX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Mutual of America International Fund (MAIFX) and Mutual of America Retirement Income Fund (MARMX). 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.

	MAIFX	MARMX	Difference
Sharpe ratio Return per unit of total volatility	1.43	1.40	+0.03
Sortino ratio Return per unit of downside risk	2.01	2.08	-0.07
Omega ratio Gain probability vs. loss probability	1.29	1.28	+0.01
Calmar ratio Return relative to maximum drawdown	1.81	1.38	+0.43
Martin ratio Return relative to average drawdown	7.87	5.92	+1.95
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

MAIFX vs. MARMX - Sharpe Ratio Comparison

The current MAIFX Sharpe Ratio is 1.43, which is comparable to the MARMX Sharpe Ratio of 1.40. The chart below compares the historical Sharpe Ratios of MAIFX and MARMX, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	MAIFX	MARMX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.43	1.40	+0.03
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.53	0.38	+0.15
Sharpe Ratio (All Time) Calculated using the full available price history	0.17	0.15	+0.02

Correlation

The correlation between MAIFX and MARMX is 0.69, 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

MAIFX vs. MARMX - Dividend Comparison

MAIFX's dividend yield for the trailing twelve months is around 3.44%, less than MARMX's 4.40% yield.

	TTM	2025	2024	2023	2022	2021
MAIFX Mutual of America International Fund	3.44%	3.39%	1.94%	3.77%	9.48%	9.92%
MARMX Mutual of America Retirement Income Fund	4.40%	4.32%	4.16%	1.55%	5.73%	2.03%

Drawdowns

MAIFX vs. MARMX - Drawdown Comparison

The maximum MAIFX drawdown since its inception was -33.70%, which is greater than MARMX's maximum drawdown of -16.21%. Use the drawdown chart below to compare losses from any high point for MAIFX and MARMX.

Drawdown Indicators

	MAIFX	MARMX	Difference
Max Drawdown Largest peak-to-trough decline	-33.70%	-16.21%	-17.49%
Max Drawdown (1Y) Largest decline over 1 year	-11.57%	-4.10%	-7.47%
Max Drawdown (5Y) Largest decline over 5 years	-29.00%	-15.94%	-13.06%
Current Drawdown Current decline from peak	-11.57%	-3.92%	-7.65%
Average Drawdown Average peak-to-trough decline	-6.10%	-4.41%	-1.69%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.97%	1.14%	+1.83%

Volatility

MAIFX vs. MARMX - Volatility Comparison

Mutual of America International Fund (MAIFX) has a higher volatility of 6.05% compared to Mutual of America Retirement Income Fund (MARMX) at 1.55%. This indicates that MAIFX's price experiences larger fluctuations and is considered to be riskier than MARMX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	MAIFX	MARMX	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.05%	1.55%	+4.50%
Volatility (6M) Calculated over the trailing 6-month period	11.10%	3.55%	+7.55%
Volatility (1Y) Calculated over the trailing 1-year period	17.65%	6.11%	+11.54%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	18.15%	7.50%	+10.65%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	385.61%	399.92%	-14.31%