RFDTX vs. PADLX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Putnam Retirement Advantage Maturity Fund (PADLX).
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. PADLX is managed by Putnam. It was launched on Dec 30, 2019.
Performance
RFDTX vs. PADLX - Performance Comparison
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RFDTX vs. PADLX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | -0.62% | 14.54% | 9.35% | 11.95% | -12.73% | 11.49% | 13.12% |
PADLX Putnam Retirement Advantage Maturity Fund | -0.28% | 10.83% | 8.34% | 11.01% | -12.54% | 2.93% | 7.84% |
Returns By Period
In the year-to-date period, RFDTX achieves a -0.62% return, which is significantly lower than PADLX's -0.28% 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%
PADLX
- 1D
- 0.55%
- 1M
- -2.39%
- YTD
- -0.28%
- 6M
- 1.83%
- 1Y
- 9.84%
- 3Y*
- 8.76%
- 5Y*
- 3.42%
- 10Y*
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RFDTX vs. PADLX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is higher than PADLX's 0.22% expense ratio.
Return for Risk
RFDTX vs. PADLX — Risk / Return Rank
RFDTX
PADLX
RFDTX vs. PADLX - 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 Putnam Retirement Advantage Maturity Fund (PADLX). 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 | PADLX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.57 | 1.75 | -0.18 |
Sortino ratioReturn per unit of downside risk | 2.24 | 2.46 | -0.22 |
Omega ratioGain probability vs. loss probability | 1.33 | 1.37 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | 2.19 | 2.23 | -0.04 |
Martin ratioReturn relative to average drawdown | 8.98 | 9.78 | -0.80 |
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 | PADLX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.57 | 1.75 | -0.18 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.69 | 0.52 | +0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.88 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.81 | 0.55 | +0.26 |
Correlation
The correlation between RFDTX and PADLX is 0.91, 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. PADLX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.71%, more than PADLX's 4.74% 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% |
PADLX Putnam Retirement Advantage Maturity Fund | 4.74% | 5.03% | 3.71% | 2.91% | 1.01% | 1.45% | 1.66% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Drawdowns
RFDTX vs. PADLX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, roughly equal to the maximum PADLX drawdown of -18.87%. Use the drawdown chart below to compare losses from any high point for RFDTX and PADLX.
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Drawdown Indicators
| RFDTX | PADLX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -18.87% | -0.29% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -4.65% | -0.75% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -18.87% | +0.07% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | — | — |
Current DrawdownCurrent decline from peak | -3.95% | -2.93% | -1.02% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -4.95% | +2.06% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.32% | 1.06% | +0.26% |
Volatility
RFDTX vs. PADLX - Volatility Comparison
American Funds 2025 Target Date Retirement Income R6 (RFDTX) has a higher volatility of 2.94% compared to Putnam Retirement Advantage Maturity Fund (PADLX) at 2.05%. This indicates that RFDTX's price experiences larger fluctuations and is considered to be riskier than PADLX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | PADLX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.94% | 2.05% | +0.89% |
Volatility (6M)Calculated over the trailing 6-month period | 4.61% | 3.27% | +1.34% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.41% | 5.82% | +1.59% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.18% | 6.63% | +1.55% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.93% | 7.56% | +1.37% |