MARMX vs. SSFNX
Compare and contrast key facts about Mutual of America Retirement Income Fund (MARMX) and State Street Target Retirement Fund (SSFNX).
MARMX is managed by Mutual of America. It was launched on Nov 29, 2021. SSFNX is managed by State Street. It was launched on Sep 29, 2014.
Performance
MARMX vs. SSFNX - Performance Comparison
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MARMX vs. SSFNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
MARMX Mutual of America Retirement Income Fund | -1.88% | 10.54% | 5.88% | 7.79% | -11.40% | 3.49% | 890.98% |
SSFNX State Street Target Retirement Fund | -0.35% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.86% |
Returns By Period
In the year-to-date period, MARMX achieves a -1.88% return, which is significantly lower than SSFNX's -0.35% return.
MARMX
- 1D
- -0.26%
- 1M
- -3.84%
- YTD
- -1.88%
- 6M
- -0.21%
- 1Y
- 7.50%
- 3Y*
- 6.21%
- 5Y*
- 2.53%
- 10Y*
- —
SSFNX
- 1D
- 0.18%
- 1M
- -3.35%
- YTD
- -0.35%
- 6M
- 1.07%
- 1Y
- 8.90%
- 3Y*
- 8.01%
- 5Y*
- 3.96%
- 10Y*
- 5.41%
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MARMX vs. SSFNX - Expense Ratio Comparison
MARMX has a 0.13% expense ratio, which is higher than SSFNX's 0.10% 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%.
Return for Risk
MARMX vs. SSFNX — Risk / Return Rank
MARMX
SSFNX
MARMX vs. SSFNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Mutual of America Retirement Income Fund (MARMX) and State Street Target Retirement Fund (SSFNX). 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.
| MARMX | SSFNX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.40 | 1.59 | -0.19 |
Sortino ratioReturn per unit of downside risk | 2.08 | 2.24 | -0.17 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.35 | -0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.38 | 1.93 | -0.55 |
Martin ratioReturn relative to average drawdown | 5.92 | 9.29 | -3.37 |
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
| MARMX | SSFNX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.40 | 1.59 | -0.19 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.38 | 0.61 | -0.22 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.83 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.15 | 0.77 | -0.62 |
Correlation
The correlation between MARMX and SSFNX is 0.76, 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
MARMX vs. SSFNX - Dividend Comparison
MARMX's dividend yield for the trailing twelve months is around 4.40%, less than SSFNX's 4.88% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MARMX Mutual of America Retirement Income Fund | 4.40% | 4.32% | 4.16% | 1.55% | 5.73% | 2.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SSFNX State Street Target Retirement Fund | 4.88% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
Drawdowns
MARMX vs. SSFNX - Drawdown Comparison
The maximum MARMX drawdown since its inception was -16.21%, roughly equal to the maximum SSFNX drawdown of -16.62%. Use the drawdown chart below to compare losses from any high point for MARMX and SSFNX.
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Drawdown Indicators
| MARMX | SSFNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.21% | -16.62% | +0.41% |
Max Drawdown (1Y)Largest decline over 1 year | -4.10% | -4.51% | +0.41% |
Max Drawdown (5Y)Largest decline over 5 years | -15.94% | -16.62% | +0.68% |
Max Drawdown (10Y)Largest decline over 10 years | — | -16.62% | — |
Current DrawdownCurrent decline from peak | -3.92% | -3.35% | -0.57% |
Average DrawdownAverage peak-to-trough decline | -4.41% | -2.55% | -1.86% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.14% | 0.94% | +0.20% |
Volatility
MARMX vs. SSFNX - Volatility Comparison
The current volatility for Mutual of America Retirement Income Fund (MARMX) is 1.55%, while State Street Target Retirement Fund (SSFNX) has a volatility of 1.92%. This indicates that MARMX experiences smaller price fluctuations and is considered to be less risky than SSFNX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| MARMX | SSFNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.55% | 1.92% | -0.37% |
Volatility (6M)Calculated over the trailing 6-month period | 3.55% | 3.23% | +0.32% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.11% | 5.71% | +0.40% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.50% | 6.56% | +0.94% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 399.92% | 6.55% | +393.37% |