RFITX vs. RGAGX
RFITX (American Funds 2050 Target Date Retirement Fund Class R6) and RGAGX (American Funds The Growth Fund of America Class R-6) are both mutual funds - RFITX is a Target Retirement Date fund tracking the S&P Target Date 2050 Index, while RGAGX is a Large Cap Growth Equities fund managed by American Funds. Over the past 10 years, RFITX returned 12.22%/yr vs 16.24%/yr for RGAGX. With a 0.96 correlation, they move nearly in lockstep. RFITX charges 0.37%/yr vs 0.30%/yr for RGAGX.
Performance
RFITX vs. RGAGX - Performance Comparison
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Returns By Period
In the year-to-date period, RFITX achieves a 10.07% return, which is significantly higher than RGAGX's 9.54% return. Over the past 10 years, RFITX has underperformed RGAGX with an annualized return of 12.22%, while RGAGX has yielded a comparatively higher 16.24% annualized return.
RFITX
- 1D
- 0.19%
- 1M
- 1.75%
- YTD
- 10.07%
- 6M
- 10.61%
- 1Y
- 24.53%
- 3Y*
- 19.30%
- 5Y*
- 9.83%
- 10Y*
- 12.22%
RGAGX
- 1D
- 0.17%
- 1M
- 3.32%
- YTD
- 9.54%
- 6M
- 8.89%
- 1Y
- 25.74%
- 3Y*
- 25.38%
- 5Y*
- 12.47%
- 10Y*
- 16.24%
RFITX vs. RGAGX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFITX American Funds 2050 Target Date Retirement Fund Class R6 | 10.07% | 20.45% | 15.43% | 20.84% | -18.88% | 17.32% | 19.44% | 25.01% | -5.59% | 22.61% |
RGAGX American Funds The Growth Fund of America Class R-6 | 9.54% | 20.08% | 28.41% | 37.66% | -30.53% | 19.67% | 38.30% | 29.22% | -2.88% | 26.53% |
Correlation
The correlation between RFITX and RGAGX 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 | 0.96 |
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 | 0.96 |
The correlation between RFITX and RGAGX has been stable across timeframes, ranging from 0.95 to 0.96 - a consistent structural relationship.
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Return for Risk
RFITX vs. RGAGX — Risk / Return Rank
RFITX
RGAGX
RFITX vs. RGAGX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2050 Target Date Retirement Fund Class R6 (RFITX) and American Funds The Growth Fund of America Class R-6 (RGAGX). 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.
| RFITX | RGAGX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.45 | ||
| Sortino ratioReturn per unit of downside risk | +0.68 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.30 | +0.09 |
| Calmar ratioReturn relative to maximum drawdown | 2.61 | 1.86 | +0.75 |
| Martin ratioReturn relative to average drawdown | 11.81 | 7.25 | +4.56 |
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
| RFITX | RGAGX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.13 | 1.68 | +0.45 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.69 | 0.62 | +0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.82 | 0.83 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.78 | 0.86 | -0.08 |
Drawdowns
RFITX vs. RGAGX - Drawdown Comparison
The maximum RFITX drawdown since its inception was -29.28%, smaller than the maximum RGAGX drawdown of -36.19%. Use the drawdown chart below to compare losses from any high point for RFITX and RGAGX.
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Drawdown Indicators
| RFITX | RGAGX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.28% | -36.19% | +6.91% |
Max Drawdown (1Y)Largest decline over 1 year | -9.41% | -13.71% | +4.30% |
Max Drawdown (3Y)Largest decline over 3 years | -14.86% | -21.54% | +6.68% |
Max Drawdown (5Y)Largest decline over 5 years | -26.47% | -36.19% | +9.72% |
Max Drawdown (10Y)Largest decline over 10 years | -29.28% | -36.19% | +6.91% |
Current DrawdownCurrent decline from peak | -0.38% | -0.95% | +0.57% |
Average DrawdownAverage peak-to-trough decline | -4.12% | -5.49% | +1.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.07% | 3.50% | -1.43% |
Volatility
RFITX vs. RGAGX - Volatility Comparison
The current volatility for American Funds 2050 Target Date Retirement Fund Class R6 (RFITX) is 3.40%, while American Funds The Growth Fund of America Class R-6 (RGAGX) has a volatility of 3.83%. This indicates that RFITX experiences smaller price fluctuations and is considered to be less risky than RGAGX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFITX | RGAGX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.40% | 3.83% | -0.43% |
Volatility (6M)Calculated over the trailing 6-month period | 9.24% | 11.65% | -2.41% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.55% | 15.16% | -3.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.28% | 20.24% | -5.96% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.86% | 19.69% | -4.83% |
RFITX vs. RGAGX - Expense Ratio Comparison
RFITX has a 0.37% expense ratio, which is higher than RGAGX's 0.30% expense ratio.
Dividends
RFITX vs. RGAGX - Dividend Comparison
RFITX's dividend yield for the trailing twelve months is around 5.51%, less than RGAGX's 10.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RFITX American Funds 2050 Target Date Retirement Fund Class R6 | 5.51% | 6.07% | 3.62% | 2.64% | 7.38% | 4.60% | 3.40% | 4.46% | 5.11% | 2.64% | 3.82% | 5.15% |
RGAGX American Funds The Growth Fund of America Class R-6 | 10.03% | 10.99% | 9.29% | 7.70% | 4.44% | 8.49% | 4.57% | 7.93% | 12.36% | 7.34% | 6.95% | 9.22% |
Frequently Asked Questions
With a correlation of 0.95, RFITX and RGAGX 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.
RGAGX has higher volatility (3.83%) compared to RFITX (3.40%). In terms of maximum drawdown, RFITX dropped -29.28% vs RGAGX's -36.19%.
RFITX currently has the higher Sharpe Ratio (2.13 vs 1.68), 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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