RFDTX vs. AMECX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and American Funds The Income Fund of America Class A (AMECX).
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. AMECX is managed by American Funds. It was launched on Dec 1, 1973.
Performance
RFDTX vs. AMECX - Performance Comparison
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RFDTX vs. AMECX - 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% |
AMECX American Funds The Income Fund of America Class A | 1.48% | 17.77% | 10.84% | 6.79% | -6.40% | 17.37% | 4.49% | 18.50% | -5.27% | 12.58% |
Returns By Period
In the year-to-date period, RFDTX achieves a -1.86% return, which is significantly lower than AMECX's 1.48% return. Over the past 10 years, RFDTX has underperformed AMECX with an annualized return of 7.72%, while AMECX has yielded a comparatively higher 8.21% 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%
AMECX
- 1D
- 0.23%
- 1M
- -5.74%
- YTD
- 1.48%
- 6M
- 4.22%
- 1Y
- 14.19%
- 3Y*
- 11.95%
- 5Y*
- 7.95%
- 10Y*
- 8.21%
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RFDTX vs. AMECX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is lower than AMECX's 0.56% expense ratio.
Return for Risk
RFDTX vs. AMECX — Risk / Return Rank
RFDTX
AMECX
RFDTX vs. AMECX - 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 The Income Fund of America Class A (AMECX). 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 | AMECX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.43 | 1.55 | -0.12 |
Sortino ratioReturn per unit of downside risk | 2.03 | 2.13 | -0.10 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.32 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.84 | 1.71 | +0.14 |
Martin ratioReturn relative to average drawdown | 7.68 | 8.01 | -0.33 |
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 | AMECX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.43 | 1.55 | -0.12 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.68 | 0.85 | -0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.77 | +0.10 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.80 | 0.72 | +0.09 |
Correlation
The correlation between RFDTX and AMECX is 0.94, 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. AMECX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.81%, less than AMECX's 9.86% 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% |
AMECX American Funds The Income Fund of America Class A | 9.86% | 9.94% | 6.38% | 2.93% | 6.98% | 6.67% | 2.80% | 5.01% | 7.48% | 4.26% | 3.09% | 5.09% |
Drawdowns
RFDTX vs. AMECX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum AMECX drawdown of -41.92%. Use the drawdown chart below to compare losses from any high point for RFDTX and AMECX.
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Drawdown Indicators
| RFDTX | AMECX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -41.92% | +22.76% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -8.19% | +2.79% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -15.78% | -3.02% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -26.13% | +6.97% |
Current DrawdownCurrent decline from peak | -5.14% | -5.74% | +0.60% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -4.46% | +1.57% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 1.74% | -0.45% |
Volatility
RFDTX vs. AMECX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Income R6 (RFDTX) is 2.54%, while American Funds The Income Fund of America Class A (AMECX) has a volatility of 2.94%. This indicates that RFDTX experiences smaller price fluctuations and is considered to be less risky than AMECX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | AMECX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 2.94% | -0.40% |
Volatility (6M)Calculated over the trailing 6-month period | 4.44% | 5.49% | -1.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.33% | 9.48% | -2.15% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.17% | 9.44% | -1.27% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.92% | 10.66% | -1.74% |