RFDTX vs. URTRX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and USAA Target Retirement 2030 Fund (URTRX).
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. URTRX is managed by Victory. It was launched on Jul 30, 2008.
Performance
RFDTX vs. URTRX - Performance Comparison
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RFDTX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | -0.62% | 14.54% | 9.35% | 11.95% | -12.73% | 11.49% | 13.68% | 17.83% | -3.46% | 15.33% |
URTRX USAA Target Retirement 2030 Fund | 0.38% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
Returns By Period
In the year-to-date period, RFDTX achieves a -0.62% return, which is significantly lower than URTRX's 0.38% return. Both investments have delivered pretty close results over the past 10 years, with RFDTX having a 7.86% annualized return and URTRX not far behind at 7.49%.
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%
URTRX
- 1D
- 1.53%
- 1M
- -3.35%
- YTD
- 0.38%
- 6M
- 2.33%
- 1Y
- 13.74%
- 3Y*
- 10.83%
- 5Y*
- 5.75%
- 10Y*
- 7.49%
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RFDTX vs. URTRX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is higher than URTRX's 0.03% expense ratio.
Return for Risk
RFDTX vs. URTRX — Risk / Return Rank
RFDTX
URTRX
RFDTX vs. URTRX - 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 USAA Target Retirement 2030 Fund (URTRX). 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 | URTRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.57 | 1.58 | -0.01 |
Sortino ratioReturn per unit of downside risk | 2.24 | 2.25 | -0.01 |
Omega ratioGain probability vs. loss probability | 1.33 | 1.33 | -0.01 |
Calmar ratioReturn relative to maximum drawdown | 2.19 | 2.11 | +0.08 |
Martin ratioReturn relative to average drawdown | 8.98 | 9.81 | -0.83 |
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 | URTRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.57 | 1.58 | -0.01 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.69 | 0.60 | +0.09 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.88 | 0.73 | +0.16 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.81 | 0.58 | +0.23 |
Correlation
The correlation between RFDTX and URTRX is 0.96, 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. URTRX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.71%, more than URTRX's 6.75% 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% |
URTRX USAA Target Retirement 2030 Fund | 6.75% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Drawdowns
RFDTX vs. URTRX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for RFDTX and URTRX.
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Drawdown Indicators
| RFDTX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -34.10% | +14.94% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -6.63% | +1.23% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -19.52% | +0.72% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -23.56% | +4.40% |
Current DrawdownCurrent decline from peak | -3.95% | -3.84% | -0.11% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -4.19% | +1.30% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.32% | 1.43% | -0.11% |
Volatility
RFDTX vs. URTRX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Income R6 (RFDTX) is 2.94%, while USAA Target Retirement 2030 Fund (URTRX) has a volatility of 3.55%. This indicates that RFDTX experiences smaller price fluctuations and is considered to be less risky than URTRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.94% | 3.55% | -0.61% |
Volatility (6M)Calculated over the trailing 6-month period | 4.61% | 5.46% | -0.85% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.41% | 8.89% | -1.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.18% | 9.67% | -1.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.93% | 10.33% | -1.40% |