RFDTX vs. FIRMX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Fidelity Managed Retirement Income Fund (FIRMX).
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. FIRMX is managed by BlackRock. It was launched on Aug 30, 2007.
Performance
RFDTX vs. FIRMX - Performance Comparison
Loading graphics...
RFDTX vs. FIRMX - 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% |
FIRMX Fidelity Managed Retirement Income Fund | -0.50% | 9.95% | 4.29% | 8.07% | -11.66% | 2.77% | 8.57% | 10.57% | -1.80% | 7.08% |
Returns By Period
In the year-to-date period, RFDTX achieves a -1.86% return, which is significantly lower than FIRMX's -0.50% return. Over the past 10 years, RFDTX has outperformed FIRMX with an annualized return of 7.72%, while FIRMX has yielded a comparatively lower 3.92% 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%
FIRMX
- 1D
- 0.27%
- 1M
- -3.18%
- YTD
- -0.50%
- 6M
- 0.75%
- 1Y
- 7.05%
- 3Y*
- 5.96%
- 5Y*
- 2.41%
- 10Y*
- 3.92%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
RFDTX vs. FIRMX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is lower than FIRMX's 0.45% expense ratio.
Return for Risk
RFDTX vs. FIRMX — Risk / Return Rank
RFDTX
FIRMX
RFDTX vs. FIRMX - 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 Managed Retirement Income Fund (FIRMX). 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 | FIRMX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.43 | 1.56 | -0.13 |
Sortino ratioReturn per unit of downside risk | 2.03 | 2.17 | -0.14 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.31 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.84 | 2.08 | -0.24 |
Martin ratioReturn relative to average drawdown | 7.68 | 8.41 | -0.73 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| RFDTX | FIRMX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.43 | 1.56 | -0.13 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.68 | 0.46 | +0.21 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.88 | -0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.80 | 0.52 | +0.28 |
Correlation
The correlation between RFDTX and FIRMX is 0.89, 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. FIRMX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.81%, more than FIRMX's 3.16% 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% |
FIRMX Fidelity Managed Retirement Income Fund | 3.16% | 3.13% | 3.02% | 2.81% | 4.54% | 3.56% | 2.48% | 2.59% | 4.65% | 8.57% | 1.67% | 1.68% |
Drawdowns
RFDTX vs. FIRMX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum FIRMX drawdown of -33.73%. Use the drawdown chart below to compare losses from any high point for RFDTX and FIRMX.
Loading graphics...
Drawdown Indicators
| RFDTX | FIRMX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -33.73% | +14.57% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -3.44% | -1.96% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -16.11% | -2.69% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -16.11% | -3.05% |
Current DrawdownCurrent decline from peak | -5.14% | -3.18% | -1.96% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -3.73% | +0.84% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 0.85% | +0.44% |
Volatility
RFDTX vs. FIRMX - Volatility Comparison
American Funds 2025 Target Date Retirement Income R6 (RFDTX) has a higher volatility of 2.54% compared to Fidelity Managed Retirement Income Fund (FIRMX) at 1.96%. This indicates that RFDTX's price experiences larger fluctuations and is considered to be riskier than FIRMX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| RFDTX | FIRMX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 1.96% | +0.58% |
Volatility (6M)Calculated over the trailing 6-month period | 4.44% | 2.86% | +1.58% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.33% | 4.59% | +2.74% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.17% | 5.21% | +2.96% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.92% | 4.47% | +4.45% |