RFDTX vs. AMCPX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and American Funds AMCAP Fund Class A (AMCPX).
RFDTX is a passively managed fund by American Funds that tracks the performance of the S&P Target Date 2025 Index. It was launched on Feb 1, 2007. AMCPX is managed by American Funds. It was launched on Jan 5, 1967.
Performance
RFDTX vs. AMCPX - Performance Comparison
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RFDTX vs. AMCPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | -1.86% | 14.54% | 9.35% | 11.95% | -12.73% | 11.49% | 13.68% | 17.83% | -3.46% | 15.33% |
AMCPX American Funds AMCAP Fund Class A | -11.82% | 17.68% | 21.11% | 31.04% | -28.67% | 20.57% | 21.42% | 26.35% | -4.42% | 22.08% |
Returns By Period
In the year-to-date period, RFDTX achieves a -1.86% return, which is significantly higher than AMCPX's -11.82% return. Over the past 10 years, RFDTX has underperformed AMCPX with an annualized return of 7.72%, while AMCPX has yielded a comparatively higher 10.59% annualized return.
RFDTX
- 1D
- 0.19%
- 1M
- -5.14%
- YTD
- -1.86%
- 6M
- 0.26%
- 1Y
- 10.23%
- 3Y*
- 9.89%
- 5Y*
- 5.51%
- 10Y*
- 7.72%
AMCPX
- 1D
- -0.37%
- 1M
- -10.12%
- YTD
- -11.82%
- 6M
- -9.34%
- 1Y
- 11.06%
- 3Y*
- 14.39%
- 5Y*
- 6.22%
- 10Y*
- 10.59%
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RFDTX vs. AMCPX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is lower than AMCPX's 0.65% expense ratio.
Return for Risk
RFDTX vs. AMCPX — Risk / Return Rank
RFDTX
AMCPX
RFDTX vs. AMCPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2025 Target Date Retirement Income R6 (RFDTX) and American Funds AMCAP Fund Class A (AMCPX). 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.
| RFDTX | AMCPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.43 | 0.56 | +0.87 |
Sortino ratioReturn per unit of downside risk | 2.03 | 0.94 | +1.08 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.13 | +0.16 |
Calmar ratioReturn relative to maximum drawdown | 1.84 | 0.59 | +1.25 |
Martin ratioReturn relative to average drawdown | 7.68 | 2.42 | +5.27 |
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
| RFDTX | AMCPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.43 | 0.56 | +0.87 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.68 | 0.33 | +0.35 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.57 | +0.30 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.80 | 0.57 | +0.23 |
Correlation
The correlation between RFDTX and AMCPX is 0.92, 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
RFDTX vs. AMCPX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.81%, less than AMCPX's 9.90% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | 7.81% | 7.67% | 5.50% | 3.37% | 4.30% | 6.54% | 3.87% | 4.00% | 4.40% | 2.67% | 3.44% | 6.14% |
AMCPX American Funds AMCAP Fund Class A | 9.90% | 8.73% | 8.19% | 3.26% | 7.54% | 3.43% | 3.88% | 4.90% | 7.84% | 5.37% | 3.81% | 8.86% |
Drawdowns
RFDTX vs. AMCPX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum AMCPX drawdown of -62.37%. Use the drawdown chart below to compare losses from any high point for RFDTX and AMCPX.
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Drawdown Indicators
| RFDTX | AMCPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -62.37% | +43.21% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -14.18% | +8.78% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -36.90% | +18.10% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -36.90% | +17.74% |
Current DrawdownCurrent decline from peak | -5.14% | -14.18% | +9.04% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -9.60% | +6.71% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 3.47% | -2.18% |
Volatility
RFDTX vs. AMCPX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Income R6 (RFDTX) is 2.54%, while American Funds AMCAP Fund Class A (AMCPX) has a volatility of 5.26%. This indicates that RFDTX experiences smaller price fluctuations and is considered to be less risky than AMCPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | AMCPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 5.26% | -2.72% |
Volatility (6M)Calculated over the trailing 6-month period | 4.44% | 11.06% | -6.62% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.33% | 19.60% | -12.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.17% | 19.12% | -10.95% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.92% | 18.63% | -9.71% |