RALVX vs. RMLVX

Last updated Jun 5, 2026

RALVX (Russell Investments LifePoints Growth Strategy Fund) and RMLVX (Russell Investments LifePoints Moderate Strategy Fund) are both Diversified Portfolio funds from Russell. Over the past 10 years, RALVX returned 8.35%/yr vs 4.28%/yr for RMLVX. Their correlation of 0.93 suggests significant overlap in exposure. RALVX charges 0.75%/yr vs 0.74%/yr for RMLVX.

Performance

RALVX vs. RMLVX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Russell Investments LifePoints Growth Strategy Fund (RALVX) and Russell Investments LifePoints Moderate Strategy Fund (RMLVX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, RALVX achieves a 8.98% return, which is significantly higher than RMLVX's 4.50% return. Over the past 10 years, RALVX has outperformed RMLVX with an annualized return of 8.35%, while RMLVX has yielded a comparatively lower 4.28% annualized return.

RALVX

• 1D: -0.63%
• 1M: 2.46%
• YTD: 8.98%
• 6M: 9.51%
• 1Y: 22.01%
• 3Y*: 15.67%
• 5Y*: 7.79%
• 10Y*: 8.35%

RMLVX

• 1D: -0.47%
• 1M: 1.14%
• YTD: 4.50%
• 6M: 4.79%
• 1Y: 12.88%
• 3Y*: 9.43%
• 5Y*: 3.44%
• 10Y*: 4.28%

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

RALVX vs. RMLVX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
RALVX Russell Investments LifePoints Growth Strategy Fund	8.98%	17.44%	11.36%	17.18%	-16.76%	17.82%	6.13%	15.33%	-7.92%	13.55%
RMLVX Russell Investments LifePoints Moderate Strategy Fund	4.50%	11.85%	6.00%	10.66%	-15.32%	8.08%	3.06%	10.54%	-4.74%	8.24%

Correlation

The correlation between RALVX and RMLVX is 0.94, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.94
Correlation (3Y) Calculated over the trailing 3-year period	0.93
Correlation (5Y) Calculated over the trailing 5-year period	0.93
Correlation (10Y) Calculated over the trailing 10-year period	0.91
Correlation (All Time) Calculated using the full available price history since Jan 5, 1999	0.93

The correlation between RALVX and RMLVX has been stable across timeframes, ranging from 0.91 to 0.94 - a consistent structural relationship.

Return for Risk

RALVX vs. RMLVX — Risk / Return Rank

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

RALVX

RALVX Risk / Return Rank: 60
RALVX Sharpe Ratio Rank: 62
RALVX Sortino Ratio Rank: 61
RALVX Omega Ratio Rank: 61
RALVX Calmar Ratio Rank: 54
RALVX Martin Ratio Rank: 64

RMLVX

RMLVX Risk / Return Rank: 61
RMLVX Sharpe Ratio Rank: 64
RMLVX Sortino Ratio Rank: 68
RMLVX Omega Ratio Rank: 68
RMLVX Calmar Ratio Rank: 47
RMLVX Martin Ratio Rank: 59

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.

RALVX vs. RMLVX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Russell Investments LifePoints Growth Strategy Fund (RALVX) and Russell Investments LifePoints Moderate Strategy Fund (RMLVX). 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.

	RALVX	RMLVX	Difference
Sharpe ratio: Return per unit of total volatility	2.28	2.30	-0.02
Sortino ratio: Return per unit of downside risk	3.21	3.34	-0.12
Omega ratio: Gain probability vs. loss probability	1.42	1.44	-0.02
Calmar ratio: Return relative to maximum drawdown	2.74	2.54	+0.21
Martin ratio: Return relative to average drawdown	12.23	11.23	+1.00
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

RALVX vs. RMLVX - Sharpe Ratio Comparison

The current RALVX Sharpe Ratio is 2.28, which is comparable to the RMLVX Sharpe Ratio of 2.30. The chart below compares the historical Sharpe Ratios of RALVX and RMLVX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	RALVX	RMLVX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.28	2.30	-0.02
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.59	0.43	+0.16
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.61	0.56	+0.06
Sharpe Ratio (All Time) Calculated using the full available price history	0.25	0.29	-0.04

Drawdowns

RALVX vs. RMLVX - Drawdown Comparison

The maximum RALVX drawdown since its inception was -59.59%, which is greater than RMLVX's maximum drawdown of -40.56%. Use the drawdown chart below to compare losses from any high point for RALVX and RMLVX.

Drawdown Indicators

	RALVX	RMLVX	Difference
Max Drawdown Largest peak-to-trough decline	-59.59%	-40.56%	-19.03%
Max Drawdown (1Y) Largest decline over 1 year	-8.16%	-5.28%	-2.88%
Max Drawdown (3Y) Largest decline over 3 years	-13.71%	-7.63%	-6.08%
Max Drawdown (5Y) Largest decline over 5 years	-24.35%	-20.83%	-3.52%
Max Drawdown (10Y) Largest decline over 10 years	-30.08%	-20.83%	-9.25%
Current Drawdown Current decline from peak	-0.63%	-0.47%	-0.16%
Average Drawdown Average peak-to-trough decline	-13.26%	-6.13%	-7.13%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.83%	1.19%	+0.64%

Volatility

RALVX vs. RMLVX - Volatility Comparison

Russell Investments LifePoints Growth Strategy Fund (RALVX) has a higher volatility of 2.96% compared to Russell Investments LifePoints Moderate Strategy Fund (RMLVX) at 2.07%. This indicates that RALVX's price experiences larger fluctuations and is considered to be riskier than RMLVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	RALVX	RMLVX	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.96%	2.07%	+0.89%
Volatility (6M) Calculated over the trailing 6-month period	7.79%	4.74%	+3.05%
Volatility (1Y) Calculated over the trailing 1-year period	9.83%	5.84%	+3.99%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.19%	7.98%	+5.21%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	13.68%	7.73%	+5.95%

RALVX vs. RMLVX - Expense Ratio Comparison

RALVX has a 0.75% expense ratio, which is higher than RMLVX's 0.74% expense ratio.

Dividends

RALVX vs. RMLVX - Dividend Comparison

RALVX's dividend yield for the trailing twelve months is around 10.70%, more than RMLVX's 3.02% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
RALVX Russell Investments LifePoints Growth Strategy Fund	10.70%	11.68%	2.31%	1.21%	4.20%	17.98%	0.54%	6.24%	7.01%	5.99%	4.79%	1.23%
RMLVX Russell Investments LifePoints Moderate Strategy Fund	3.02%	3.10%	1.75%	1.24%	3.84%	10.02%	1.07%	3.80%	4.46%	3.06%	8.20%	14.07%

Frequently Asked Questions

Can I hold both RALVX and RMLVX in my portfolio?

With a correlation of 0.94, RALVX and RMLVX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, RALVX or RMLVX?

RALVX has higher volatility (2.96%) compared to RMLVX (2.07%). In terms of maximum drawdown, RALVX dropped -59.59% vs RMLVX's -40.56%.

Which has better risk-adjusted returns?

RMLVX currently has the higher Sharpe Ratio (2.30 vs 2.28), 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.