RFDTX vs. HASGX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Harbor Small Cap Growth Fund (HASGX).
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. HASGX is managed by Harbor. It was launched on Nov 1, 2000.
Performance
RFDTX vs. HASGX - Performance Comparison
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RFDTX vs. HASGX - 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% |
HASGX Harbor Small Cap Growth Fund | -3.83% | 11.44% | 9.34% | 22.20% | -25.60% | 9.40% | 38.54% | 42.39% | -11.37% | 24.71% |
Returns By Period
In the year-to-date period, RFDTX achieves a -1.86% return, which is significantly higher than HASGX's -3.83% return. Over the past 10 years, RFDTX has underperformed HASGX with an annualized return of 7.72%, while HASGX has yielded a comparatively higher 11.21% 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%
HASGX
- 1D
- -1.86%
- 1M
- -11.10%
- YTD
- -3.83%
- 6M
- -0.85%
- 1Y
- 19.68%
- 3Y*
- 9.94%
- 5Y*
- 2.34%
- 10Y*
- 11.21%
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RFDTX vs. HASGX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is lower than HASGX's 0.87% expense ratio.
Return for Risk
RFDTX vs. HASGX — Risk / Return Rank
RFDTX
HASGX
RFDTX vs. HASGX - 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 Harbor Small Cap Growth Fund (HASGX). 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 | HASGX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.43 | 0.72 | +0.71 |
Sortino ratioReturn per unit of downside risk | 2.03 | 1.17 | +0.86 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.15 | +0.14 |
Calmar ratioReturn relative to maximum drawdown | 1.84 | 1.07 | +0.77 |
Martin ratioReturn relative to average drawdown | 7.68 | 4.29 | +3.40 |
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 | HASGX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.43 | 0.72 | +0.71 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.68 | 0.10 | +0.58 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.49 | +0.38 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.80 | 0.38 | +0.42 |
Correlation
The correlation between RFDTX and HASGX 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. HASGX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.81%, more than HASGX's 1.17% 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% |
HASGX Harbor Small Cap Growth Fund | 1.17% | 1.13% | 3.53% | 0.03% | 4.80% | 27.66% | 7.21% | 3.44% | 27.29% | 10.10% | 0.47% | 13.13% |
Drawdowns
RFDTX vs. HASGX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum HASGX drawdown of -54.33%. Use the drawdown chart below to compare losses from any high point for RFDTX and HASGX.
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Drawdown Indicators
| RFDTX | HASGX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -54.33% | +35.17% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -14.11% | +8.71% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -34.17% | +15.37% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -38.53% | +19.37% |
Current DrawdownCurrent decline from peak | -5.14% | -12.93% | +7.79% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -10.23% | +7.34% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 3.52% | -2.23% |
Volatility
RFDTX vs. HASGX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Income R6 (RFDTX) is 2.54%, while Harbor Small Cap Growth Fund (HASGX) has a volatility of 7.93%. This indicates that RFDTX experiences smaller price fluctuations and is considered to be less risky than HASGX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | HASGX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 7.93% | -5.39% |
Volatility (6M)Calculated over the trailing 6-month period | 4.44% | 14.88% | -10.44% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.33% | 24.35% | -17.02% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.17% | 23.14% | -14.97% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.92% | 23.02% | -14.10% |