RFDTX vs. FFGZX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Fidelity Freedom Index Income Fund Institutional Premium Class (FFGZX).
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. FFGZX is managed by Fidelity. It was launched on Oct 2, 2009.
Performance
RFDTX vs. FFGZX - Performance Comparison
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RFDTX vs. FFGZX - 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% |
FFGZX Fidelity Freedom Index Income Fund Institutional Premium Class | -0.78% | 9.13% | 5.02% | 8.32% | -11.07% | 2.85% | 8.59% | 10.68% | -0.80% | 6.73% |
Returns By Period
In the year-to-date period, RFDTX achieves a -1.86% return, which is significantly lower than FFGZX's -0.78% return. Over the past 10 years, RFDTX has outperformed FFGZX with an annualized return of 7.72%, while FFGZX has yielded a comparatively lower 3.87% 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%
FFGZX
- 1D
- 0.25%
- 1M
- -3.09%
- YTD
- -0.78%
- 6M
- 0.46%
- 1Y
- 6.37%
- 3Y*
- 5.94%
- 5Y*
- 2.62%
- 10Y*
- 3.87%
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RFDTX vs. FFGZX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is higher than FFGZX's 0.08% expense ratio.
Return for Risk
RFDTX vs. FFGZX — Risk / Return Rank
RFDTX
FFGZX
RFDTX vs. FFGZX - 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 Index Income Fund Institutional Premium Class (FFGZX). 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 | FFGZX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.43 | 1.51 | -0.08 |
Sortino ratioReturn per unit of downside risk | 2.03 | 2.12 | -0.09 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.30 | 0.00 |
Calmar ratioReturn relative to maximum drawdown | 1.84 | 1.99 | -0.15 |
Martin ratioReturn relative to average drawdown | 7.68 | 8.42 | -0.74 |
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 | FFGZX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.43 | 1.51 | -0.08 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.68 | 0.52 | +0.15 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.88 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.80 | 0.84 | -0.04 |
Correlation
The correlation between RFDTX and FFGZX is 0.82, 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. FFGZX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.81%, more than FFGZX's 3.46% 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% |
FFGZX Fidelity Freedom Index Income Fund Institutional Premium Class | 3.46% | 3.30% | 3.18% | 2.88% | 3.11% | 2.10% | 2.22% | 7.35% | 3.00% | 1.95% | 1.56% | 1.06% |
Drawdowns
RFDTX vs. FFGZX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, which is greater than FFGZX's maximum drawdown of -14.94%. Use the drawdown chart below to compare losses from any high point for RFDTX and FFGZX.
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Drawdown Indicators
| RFDTX | FFGZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -14.94% | -4.22% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -3.33% | -2.07% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -14.94% | -3.86% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -14.94% | -4.22% |
Current DrawdownCurrent decline from peak | -5.14% | -3.09% | -2.05% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -2.29% | -0.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 0.79% | +0.50% |
Volatility
RFDTX vs. FFGZX - Volatility Comparison
American Funds 2025 Target Date Retirement Income R6 (RFDTX) has a higher volatility of 2.54% compared to Fidelity Freedom Index Income Fund Institutional Premium Class (FFGZX) at 1.85%. This indicates that RFDTX's price experiences larger fluctuations and is considered to be riskier than FFGZX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | FFGZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 1.85% | +0.69% |
Volatility (6M)Calculated over the trailing 6-month period | 4.44% | 2.78% | +1.66% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.33% | 4.35% | +2.98% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.17% | 5.03% | +3.14% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.92% | 4.39% | +4.53% |