NAARX vs. FXAIX
Compare and contrast key facts about American Funds Retirement Income Portfolio - Conservative (NAARX) and Fidelity 500 Index Fund (FXAIX).
NAARX is managed by American Funds. It was launched on Aug 27, 2015. FXAIX is a passively managed fund by Fidelity that tracks the performance of the S&P 500 Index. It was launched on Feb 17, 1988.
Performance
NAARX vs. FXAIX - Performance Comparison
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NAARX vs. FXAIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
NAARX American Funds Retirement Income Portfolio - Conservative | -0.24% | 13.24% | 6.80% | 6.89% | -10.04% | 8.51% | 8.40% | 13.11% | -2.76% | 8.89% |
FXAIX Fidelity 500 Index Fund | -4.34% | 17.84% | 25.01% | 26.29% | -18.14% | 28.71% | 18.42% | 31.48% | -4.43% | 21.82% |
Returns By Period
In the year-to-date period, NAARX achieves a -0.24% return, which is significantly higher than FXAIX's -4.34% return. Over the past 10 years, NAARX has underperformed FXAIX with an annualized return of 5.33%, while FXAIX has yielded a comparatively higher 14.08% annualized return.
NAARX
- 1D
- 0.87%
- 1M
- -3.64%
- YTD
- -0.24%
- 6M
- 1.34%
- 1Y
- 9.11%
- 3Y*
- 8.01%
- 5Y*
- 4.28%
- 10Y*
- 5.33%
FXAIX
- 1D
- 2.92%
- 1M
- -5.02%
- YTD
- -4.34%
- 6M
- -2.14%
- 1Y
- 17.32%
- 3Y*
- 18.30%
- 5Y*
- 11.79%
- 10Y*
- 14.08%
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NAARX vs. FXAIX - Expense Ratio Comparison
NAARX has a 0.34% expense ratio, which is higher than FXAIX's 0.02% expense ratio.
Return for Risk
NAARX vs. FXAIX — Risk / Return Rank
NAARX
FXAIX
NAARX vs. FXAIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Retirement Income Portfolio - Conservative (NAARX) and Fidelity 500 Index Fund (FXAIX). 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.
| NAARX | FXAIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.54 | 0.97 | +0.57 |
Sortino ratioReturn per unit of downside risk | 2.11 | 1.49 | +0.62 |
Omega ratioGain probability vs. loss probability | 1.31 | 1.23 | +0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.85 | 1.52 | +0.34 |
Martin ratioReturn relative to average drawdown | 7.91 | 7.30 | +0.61 |
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
| NAARX | FXAIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.54 | 0.97 | +0.57 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.66 | 0.70 | -0.04 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.84 | 0.78 | +0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.87 | 0.76 | +0.11 |
Correlation
The correlation between NAARX and FXAIX is 0.78, 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
NAARX vs. FXAIX - Dividend Comparison
NAARX's dividend yield for the trailing twelve months is around 2.79%, more than FXAIX's 1.16% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NAARX American Funds Retirement Income Portfolio - Conservative | 2.79% | 3.27% | 3.37% | 3.17% | 3.19% | 2.98% | 3.84% | 3.28% | 3.33% | 2.23% | 2.21% | 0.00% |
FXAIX Fidelity 500 Index Fund | 1.16% | 1.11% | 1.25% | 1.45% | 1.69% | 1.22% | 1.60% | 2.06% | 2.72% | 1.97% | 2.52% | 2.83% |
Drawdowns
NAARX vs. FXAIX - Drawdown Comparison
The maximum NAARX drawdown since its inception was -15.66%, smaller than the maximum FXAIX drawdown of -33.79%. Use the drawdown chart below to compare losses from any high point for NAARX and FXAIX.
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Drawdown Indicators
| NAARX | FXAIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.66% | -33.79% | +18.13% |
Max Drawdown (1Y)Largest decline over 1 year | -5.21% | -12.13% | +6.92% |
Max Drawdown (5Y)Largest decline over 5 years | -15.66% | -24.50% | +8.84% |
Max Drawdown (10Y)Largest decline over 10 years | -15.66% | -33.79% | +18.13% |
Current DrawdownCurrent decline from peak | -4.08% | -6.23% | +2.15% |
Average DrawdownAverage peak-to-trough decline | -2.54% | -3.83% | +1.29% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.22% | 2.53% | -1.31% |
Volatility
NAARX vs. FXAIX - Volatility Comparison
The current volatility for American Funds Retirement Income Portfolio - Conservative (NAARX) is 2.59%, while Fidelity 500 Index Fund (FXAIX) has a volatility of 5.34%. This indicates that NAARX experiences smaller price fluctuations and is considered to be less risky than FXAIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NAARX | FXAIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.59% | 5.34% | -2.75% |
Volatility (6M)Calculated over the trailing 6-month period | 3.83% | 9.53% | -5.70% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.10% | 18.32% | -12.22% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.55% | 16.92% | -10.37% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.39% | 18.05% | -11.66% |