RFITX vs. URSIX
RFITX (American Funds 2050 Target Date Retirement Fund Class R6) and URSIX (USAA Target Retirement 2060 Fund) are both Target Retirement Date funds. Over the past 10 years, RFITX returned 11.80%/yr vs 10.23%/yr for URSIX. Their 0.96 correlation means they have historically moved very closely together. RFITX charges 0.37%/yr vs 0.10%/yr for URSIX.
Performance
RFITX vs. URSIX - Performance Comparison
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Returns By Period
In the year-to-date period, RFITX achieves a 8.42% return, which is significantly lower than URSIX's 13.54% return. Over the past 10 years, RFITX has outperformed URSIX with an annualized return of 11.80%, while URSIX has yielded a comparatively lower 10.23% annualized return.
RFITX
- 1D
- 1.70%
- 1M
- -1.42%
- 6M
- 5.58%
- YTD
- 8.42%
- 1Y
- 18.47%
- 3Y*
- 16.40%
- 5Y*
- 9.15%
- 10Y*
- 11.80%
- ALL TIME*
- 10.99%
URSIX
- 1D
- 1.42%
- 1M
- 0.56%
- 6M
- 9.91%
- YTD
- 13.54%
- 1Y
- 25.18%
- 3Y*
- 16.85%
- 5Y*
- 9.74%
- 10Y*
- 10.23%
- ALL TIME*
- 8.97%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
RFITX vs. URSIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFITX American Funds 2050 Target Date Retirement Fund Class R6 | 8.42% | 20.45% | 15.43% | 20.84% | -18.88% | 17.32% | 19.44% | 25.01% | -5.59% | 22.61% |
URSIX USAA Target Retirement 2060 Fund | 13.54% | 19.62% | 13.05% | 18.22% | -15.78% | 17.70% | 10.17% | 20.09% | -9.17% | 19.52% |
Correlation
The correlation between RFITX and URSIX is 0.96 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.96 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Jul 22, 2013 | 0.96 |
The correlation between RFITX and URSIX 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. URSIX — Risk / Return Rank
RFITX
URSIX
RFITX vs. URSIX - 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 USAA Target Retirement 2060 Fund (URSIX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| RFITX | URSIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.56 | ||
| Sortino ratioReturn per unit of downside risk | -0.75 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.34 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | 1.78 | 2.81 | -1.03 |
| Martin ratioReturn relative to average drawdown | 7.69 | 12.09 | -4.40 |
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Drawdowns
RFITX vs. URSIX - Drawdown Comparison
The maximum RFITX drawdown since its inception was -29.28%, roughly equal to the maximum URSIX drawdown of -30.33%. Use the drawdown chart below to compare losses from any high point for RFITX and URSIX.
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Drawdown Indicators
| RFITX | URSIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.28% | -30.33% | +1.05% |
Max Drawdown (1Y)Largest decline over 1 year | -9.41% | -8.32% | -1.09% |
Max Drawdown (3Y)Largest decline over 3 years | -14.86% | -14.35% | -0.51% |
Max Drawdown (5Y)Largest decline over 5 years | -26.47% | -23.85% | -2.62% |
Max Drawdown (10Y)Largest decline over 10 years | -29.28% | -30.33% | +1.05% |
Current DrawdownCurrent decline from peak | -2.24% | -0.28% | -1.96% |
Average DrawdownAverage peak-to-trough decline | -4.09% | -4.40% | +0.31% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.18% | 1.93% | +0.25% |
Volatility
RFITX vs. URSIX - Volatility Comparison
American Funds 2050 Target Date Retirement Fund Class R6 (RFITX) has a higher volatility of 3.56% compared to USAA Target Retirement 2060 Fund (URSIX) at 3.06%. This indicates that RFITX's price experiences larger fluctuations and is considered to be riskier than URSIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFITX | URSIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.56% | 3.06% | +0.50% |
Volatility (6M)Calculated over the trailing 6-month period | 10.48% | 10.34% | +0.14% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.70% | 12.45% | +0.25% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.45% | 14.21% | +0.24% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.87% | 14.52% | +0.35% |
RFITX vs. URSIX - Expense Ratio Comparison
RFITX has a 0.37% expense ratio, which is higher than URSIX's 0.10% expense ratio.
Dividends
RFITX vs. URSIX - Dividend Comparison
RFITX's dividend yield for the trailing twelve months is around 5.60%, more than URSIX's 4.93% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RFITX American Funds 2050 Target Date Retirement Fund Class R6 | 5.60% | 6.07% | 3.62% | 2.64% | 7.38% | 4.60% | 3.40% | 4.46% | 5.11% | 2.64% | 3.82% | 5.15% |
URSIX USAA Target Retirement 2060 Fund | 4.93% | 5.60% | 2.55% | 2.89% | 10.97% | 7.07% | 4.79% | 5.88% | 4.77% | 3.82% | 3.01% | 1.73% |
Frequently Asked Questions
With a correlation of 0.96, RFITX and URSIX 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.
RFITX has higher volatility (3.56%) compared to URSIX (3.06%). In terms of maximum drawdown, RFITX dropped -29.28% vs URSIX's -30.33%.
URSIX currently has the higher Sharpe Ratio (1.88 vs 1.32), 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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