RFDTX vs. FRIMX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Fidelity Advisor Managed Retirement Income Fund Class I (FRIMX).
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. FRIMX is managed by BlackRock. It was launched on Aug 30, 2007.
Performance
RFDTX vs. FRIMX - Performance Comparison
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RFDTX vs. FRIMX - 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% |
FRIMX Fidelity Advisor Managed Retirement Income Fund Class I | -0.51% | 9.94% | 4.30% | 8.06% | -11.66% | 2.78% | 8.57% | 10.57% | -1.82% | 7.08% |
Returns By Period
In the year-to-date period, RFDTX achieves a -1.86% return, which is significantly lower than FRIMX's -0.51% return. Over the past 10 years, RFDTX has outperformed FRIMX with an annualized return of 7.72%, while FRIMX 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%
FRIMX
- 1D
- 0.26%
- 1M
- -3.19%
- YTD
- -0.51%
- 6M
- 0.75%
- 1Y
- 7.05%
- 3Y*
- 5.96%
- 5Y*
- 2.40%
- 10Y*
- 3.92%
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RFDTX vs. FRIMX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is lower than FRIMX's 0.45% expense ratio.
Return for Risk
RFDTX vs. FRIMX — Risk / Return Rank
RFDTX
FRIMX
RFDTX vs. FRIMX - 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 Advisor Managed Retirement Income Fund Class I (FRIMX). 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 | FRIMX | 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. | |||
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Sharpe Ratios by Period
| RFDTX | FRIMX | 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 | 0.53 | +0.27 |
Correlation
The correlation between RFDTX and FRIMX 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. FRIMX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.81%, more than FRIMX's 3.15% 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% |
FRIMX Fidelity Advisor Managed Retirement Income Fund Class I | 3.15% | 3.11% | 3.01% | 2.82% | 4.52% | 3.54% | 2.41% | 2.56% | 4.67% | 8.56% | 1.67% | 1.68% |
Drawdowns
RFDTX vs. FRIMX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum FRIMX drawdown of -33.73%. Use the drawdown chart below to compare losses from any high point for RFDTX and FRIMX.
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Drawdown Indicators
| RFDTX | FRIMX | 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% | -16.12% | -2.68% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -16.12% | -3.04% |
Current DrawdownCurrent decline from peak | -5.14% | -3.19% | -1.95% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -3.74% | +0.85% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 0.85% | +0.44% |
Volatility
RFDTX vs. FRIMX - Volatility Comparison
American Funds 2025 Target Date Retirement Income R6 (RFDTX) has a higher volatility of 2.54% compared to Fidelity Advisor Managed Retirement Income Fund Class I (FRIMX) at 1.95%. This indicates that RFDTX's price experiences larger fluctuations and is considered to be riskier than FRIMX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | FRIMX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 1.95% | +0.59% |
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% |