RCTRX vs. IEF
RCTRX (Regan Total Return Income Fund) and IEF (iShares 7-10 Year Treasury Bond ETF) are both funds - RCTRX is a Nontraditional Bonds fund managed by Regan, while IEF is a Government Bonds fund tracking the ICE U.S. Treasury 7-10 Year Bond Index. Over the past 5 years, RCTRX returned 4.38%/yr vs -1.17%/yr for IEF. A 0.68 correlation means they provide meaningful diversification when combined. RCTRX charges 1.54%/yr vs 0.15%/yr for IEF.
Performance
RCTRX vs. IEF - Performance Comparison
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Returns By Period
In the year-to-date period, RCTRX achieves a 0.88% return, which is significantly higher than IEF's -0.53% return.
RCTRX
- 1D
- -0.10%
- 1M
- 0.59%
- YTD
- 0.88%
- 6M
- 0.98%
- 1Y
- 4.50%
- 3Y*
- 5.97%
- 5Y*
- 4.38%
- 10Y*
- —
IEF
- 1D
- 0.13%
- 1M
- 0.59%
- YTD
- -0.53%
- 6M
- -0.47%
- 1Y
- 3.01%
- 3Y*
- 2.59%
- 5Y*
- -1.17%
- 10Y*
- 0.53%
RCTRX vs. IEF - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
RCTRX Regan Total Return Income Fund | 0.88% | 6.56% | 6.81% | 7.29% | -2.23% | 6.89% | 2.60% |
IEF iShares 7-10 Year Treasury Bond ETF | -0.53% | 8.03% | -0.63% | 3.64% | -15.15% | -3.33% | -0.33% |
Correlation
The correlation between RCTRX and IEF is 0.78, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.78 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.81 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.71 |
Correlation (All Time) Calculated using the full available price history since Nov 9, 2020 | 0.68 |
The correlation between RCTRX and IEF shifts across timeframes, from 0.68 (all time) to 0.81 (3 years), reflecting how their relationship changes across market environments.
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Return for Risk
RCTRX vs. IEF — Risk / Return Rank
RCTRX
IEF
RCTRX vs. IEF - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Regan Total Return Income Fund (RCTRX) and iShares 7-10 Year Treasury Bond ETF (IEF). 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.
| RCTRX | IEF | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.97 | ||
| Sortino ratioReturn per unit of downside risk | +3.56 | ||
| Omega ratioGain probability vs. loss probability | 1.62 | 1.11 | +0.51 |
| Calmar ratioReturn relative to maximum drawdown | 3.28 | 0.74 | +2.54 |
| Martin ratioReturn relative to average drawdown | 12.60 | 2.01 | +10.59 |
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Drawdowns
RCTRX vs. IEF - Drawdown Comparison
The maximum RCTRX drawdown since its inception was -4.66%, smaller than the maximum IEF drawdown of -23.93%. Use the drawdown chart below to compare losses from any high point for RCTRX and IEF.
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Drawdown Indicators
| RCTRX | IEF | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -4.66% | -23.93% | +19.27% |
Max Drawdown (1Y)Largest decline over 1 year | -1.44% | -4.07% | +2.63% |
Max Drawdown (3Y)Largest decline over 3 years | -1.96% | -7.74% | +5.78% |
Max Drawdown (5Y)Largest decline over 5 years | -4.66% | -21.40% | +16.74% |
Max Drawdown (10Y)Largest decline over 10 years | — | -23.93% | — |
Current DrawdownCurrent decline from peak | -0.22% | -11.23% | +11.01% |
Average DrawdownAverage peak-to-trough decline | -0.57% | -5.36% | +4.79% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.38% | 1.50% | -1.12% |
Volatility
RCTRX vs. IEF - Volatility Comparison
The current volatility for Regan Total Return Income Fund (RCTRX) is 0.65%, while iShares 7-10 Year Treasury Bond ETF (IEF) has a volatility of 1.41%. This indicates that RCTRX experiences smaller price fluctuations and is considered to be less risky than IEF based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RCTRX | IEF | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.65% | 1.41% | -0.76% |
Volatility (6M)Calculated over the trailing 6-month period | 1.40% | 3.48% | -2.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 1.81% | 4.72% | -2.91% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 2.26% | 7.71% | -5.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 2.20% | 6.62% | -4.42% |
RCTRX vs. IEF - Expense Ratio Comparison
RCTRX has a 1.54% expense ratio, which is higher than IEF's 0.15% expense ratio.
Dividends
RCTRX vs. IEF - Dividend Comparison
RCTRX's dividend yield for the trailing twelve months is around 5.82%, more than IEF's 3.90% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IEF iShares 7-10 Year Treasury Bond ETF | 3.90% | 3.77% | 3.62% | 2.91% | 1.96% | 0.83% | 1.08% | 2.08% | 2.24% | 1.82% | 1.81% | 1.90% |
RCTRX Regan Total Return Income Fund | 5.82% | 4.40% | 5.79% | 5.98% | 5.28% | 10.59% | 4.98% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
RCTRX and IEF have a correlation of 0.78, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
IEF has higher volatility (1.41%) compared to RCTRX (0.65%). In terms of maximum drawdown, RCTRX dropped -4.66% vs IEF's -23.93%.
RCTRX currently has the higher Sharpe Ratio (2.62 vs 0.64), 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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