RFDTX vs. FFFCX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Fidelity Freedom 2010 Fund (FFFCX).
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. FFFCX is managed by Fidelity. It was launched on Oct 17, 1996.
Performance
RFDTX vs. FFFCX - Performance Comparison
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RFDTX vs. FFFCX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | -0.62% | 14.54% | 9.35% | 11.95% | -12.73% | 11.49% | 13.68% | 17.83% | -3.46% | 15.33% |
FFFCX Fidelity Freedom 2010 Fund | 0.41% | 11.39% | 5.26% | 9.82% | -13.21% | 5.64% | 11.09% | 14.34% | -3.74% | 12.48% |
Returns By Period
In the year-to-date period, RFDTX achieves a -0.62% return, which is significantly lower than FFFCX's 0.41% return. Over the past 10 years, RFDTX has outperformed FFFCX with an annualized return of 7.86%, while FFFCX has yielded a comparatively lower 5.51% annualized return.
RFDTX
- 1D
- 1.26%
- 1M
- -3.54%
- YTD
- -0.62%
- 6M
- 1.17%
- 1Y
- 11.26%
- 3Y*
- 10.35%
- 5Y*
- 5.61%
- 10Y*
- 7.86%
FFFCX
- 1D
- 1.02%
- 1M
- -2.43%
- YTD
- 0.41%
- 6M
- 1.73%
- 1Y
- 9.26%
- 3Y*
- 7.44%
- 5Y*
- 3.17%
- 10Y*
- 5.51%
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RFDTX vs. FFFCX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is lower than FFFCX's 0.49% expense ratio.
Return for Risk
RFDTX vs. FFFCX — Risk / Return Rank
RFDTX
FFFCX
RFDTX vs. FFFCX - 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 Fidelity Freedom 2010 Fund (FFFCX). 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 | FFFCX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.57 | 1.73 | -0.15 |
Sortino ratioReturn per unit of downside risk | 2.24 | 2.41 | -0.17 |
Omega ratioGain probability vs. loss probability | 1.33 | 1.36 | -0.03 |
Calmar ratioReturn relative to maximum drawdown | 2.19 | 2.39 | -0.20 |
Martin ratioReturn relative to average drawdown | 8.98 | 9.45 | -0.47 |
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 | FFFCX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.57 | 1.73 | -0.15 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.69 | 0.50 | +0.19 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.88 | 0.88 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.81 | 0.67 | +0.14 |
Correlation
The correlation between RFDTX and FFFCX 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. FFFCX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.71%, more than FFFCX's 4.95% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | 7.71% | 7.67% | 5.50% | 3.37% | 4.30% | 6.54% | 3.87% | 4.00% | 4.40% | 2.67% | 3.44% | 6.14% |
FFFCX Fidelity Freedom 2010 Fund | 4.95% | 4.97% | 2.99% | 2.72% | 7.23% | 9.33% | 6.01% | 5.78% | 6.98% | 4.82% | 3.22% | 3.68% |
Drawdowns
RFDTX vs. FFFCX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum FFFCX drawdown of -36.88%. Use the drawdown chart below to compare losses from any high point for RFDTX and FFFCX.
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Drawdown Indicators
| RFDTX | FFFCX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -36.88% | +17.72% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -4.00% | -1.40% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -18.35% | -0.45% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -18.35% | -0.81% |
Current DrawdownCurrent decline from peak | -3.95% | -2.82% | -1.13% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -4.60% | +1.71% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.32% | 1.01% | +0.31% |
Volatility
RFDTX vs. FFFCX - Volatility Comparison
American Funds 2025 Target Date Retirement Income R6 (RFDTX) has a higher volatility of 2.94% compared to Fidelity Freedom 2010 Fund (FFFCX) at 2.59%. This indicates that RFDTX's price experiences larger fluctuations and is considered to be riskier than FFFCX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | FFFCX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.94% | 2.59% | +0.35% |
Volatility (6M)Calculated over the trailing 6-month period | 4.61% | 3.56% | +1.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.41% | 5.56% | +1.85% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.18% | 6.33% | +1.85% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.93% | 6.28% | +2.65% |