RFHTX vs. GFFFX
RFHTX (American Funds 2045 Target Date Retirement Fund Class R-6) and GFFFX (American Funds The Growth Fund of America) are both mutual funds - RFHTX is a Target Retirement Date fund tracking the S&P Target Date 2045 Index, while GFFFX is a Large Cap Growth Equities fund managed by American Funds. Over the past 10 years, RFHTX returned 12.23%/yr vs 16.22%/yr for GFFFX. With a 0.95 correlation, they move nearly in lockstep. RFHTX charges 0.37%/yr vs 0.40%/yr for GFFFX.
Performance
RFHTX vs. GFFFX - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with RFHTX having a 10.26% return and GFFFX slightly lower at 10.19%. Over the past 10 years, RFHTX has underperformed GFFFX with an annualized return of 12.23%, while GFFFX has yielded a comparatively higher 16.22% annualized return.
RFHTX
- 1D
- 0.23%
- 1M
- 4.53%
- YTD
- 10.26%
- 6M
- 11.02%
- 1Y
- 24.96%
- 3Y*
- 19.09%
- 5Y*
- 10.04%
- 10Y*
- 12.23%
GFFFX
- 1D
- -0.32%
- 1M
- 6.84%
- YTD
- 10.19%
- 6M
- 9.81%
- 1Y
- 26.45%
- 3Y*
- 25.40%
- 5Y*
- 12.74%
- 10Y*
- 16.22%
RFHTX vs. GFFFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFHTX American Funds 2045 Target Date Retirement Fund Class R-6 | 10.26% | 20.44% | 15.18% | 20.16% | -18.16% | 17.23% | 19.22% | 24.65% | -5.57% | 22.44% |
GFFFX American Funds The Growth Fund of America | 10.19% | 19.96% | 28.28% | 37.51% | -30.61% | 19.55% | 38.16% | 28.43% | -2.96% | 26.38% |
Correlation
The correlation between RFHTX and GFFFX is 0.95, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.95 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.95 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.96 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.95 |
Correlation (All Time) Calculated using the full available price history since Jan 5, 2010 | 0.95 |
The correlation between RFHTX and GFFFX has been stable across timeframes, ranging from 0.95 to 0.96 - a consistent structural relationship.
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Return for Risk
RFHTX vs. GFFFX — Risk / Return Rank
RFHTX
GFFFX
RFHTX vs. GFFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2045 Target Date Retirement Fund Class R-6 (RFHTX) and American Funds The Growth Fund of America (GFFFX). 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.
| RFHTX | GFFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.50 | ||
| Sortino ratioReturn per unit of downside risk | +0.77 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.32 | +0.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.79 | 1.97 | +0.81 |
| Martin ratioReturn relative to average drawdown | 12.65 | 7.70 | +4.94 |
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
| RFHTX | GFFFX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.29 | 1.79 | +0.50 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.73 | 0.63 | +0.09 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.84 | 0.83 | +0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.78 | 0.81 | -0.03 |
Drawdowns
RFHTX vs. GFFFX - Drawdown Comparison
The maximum RFHTX drawdown since its inception was -28.95%, smaller than the maximum GFFFX drawdown of -36.26%. Use the drawdown chart below to compare losses from any high point for RFHTX and GFFFX.
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Drawdown Indicators
| RFHTX | GFFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -28.95% | -36.26% | +7.31% |
Max Drawdown (1Y)Largest decline over 1 year | -9.16% | -13.74% | +4.58% |
Max Drawdown (3Y)Largest decline over 3 years | -14.47% | -21.55% | +7.08% |
Max Drawdown (5Y)Largest decline over 5 years | -25.62% | -36.26% | +10.64% |
Max Drawdown (10Y)Largest decline over 10 years | -28.95% | -36.26% | +7.31% |
Current DrawdownCurrent decline from peak | 0.00% | -0.32% | +0.32% |
Average DrawdownAverage peak-to-trough decline | -4.01% | -5.57% | +1.56% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.01% | 3.51% | -1.50% |
Volatility
RFHTX vs. GFFFX - Volatility Comparison
The current volatility for American Funds 2045 Target Date Retirement Fund Class R-6 (RFHTX) is 3.21%, while American Funds The Growth Fund of America (GFFFX) has a volatility of 3.67%. This indicates that RFHTX experiences smaller price fluctuations and is considered to be less risky than GFFFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFHTX | GFFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.21% | 3.67% | -0.46% |
Volatility (6M)Calculated over the trailing 6-month period | 8.93% | 11.66% | -2.73% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.16% | 15.16% | -4.00% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.92% | 20.25% | -6.33% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.58% | 19.69% | -5.11% |
RFHTX vs. GFFFX - Expense Ratio Comparison
RFHTX has a 0.37% expense ratio, which is lower than GFFFX's 0.40% expense ratio.
Dividends
RFHTX vs. GFFFX - Dividend Comparison
RFHTX's dividend yield for the trailing twelve months is around 5.54%, less than GFFFX's 9.94% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GFFFX American Funds The Growth Fund of America | 9.94% | 10.95% | 9.23% | 7.64% | 4.32% | 8.42% | 4.51% | 7.38% | 12.29% | 7.27% | 6.87% | 9.13% |
RFHTX American Funds 2045 Target Date Retirement Fund Class R-6 | 5.54% | 6.10% | 3.67% | 2.75% | 7.05% | 4.89% | 3.45% | 4.52% | 5.18% | 2.60% | 3.78% | 5.04% |
Frequently Asked Questions
With a correlation of 0.95, RFHTX and GFFFX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
GFFFX has higher volatility (3.67%) compared to RFHTX (3.21%). In terms of maximum drawdown, RFHTX dropped -28.95% vs GFFFX's -36.26%.
RFHTX currently has the higher Sharpe Ratio (2.29 vs 1.79), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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