RFKTX vs. GFFFX
RFKTX (American Funds 2055 Target Date Retirement Fund Class R6) and GFFFX (American Funds The Growth Fund of America) are both mutual funds - RFKTX is a Target Retirement Date fund actively managed by American Funds, while GFFFX is a Large Cap Growth Equities fund managed by American Funds. Over the past 10 years, RFKTX returned 12.38%/yr vs 16.22%/yr for GFFFX. With a 0.96 correlation, they move nearly in lockstep. RFKTX charges 0.38%/yr vs 0.40%/yr for GFFFX.
Performance
RFKTX vs. GFFFX - Performance Comparison
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Returns By Period
In the year-to-date period, RFKTX achieves a 10.95% return, which is significantly higher than GFFFX's 10.19% return. Over the past 10 years, RFKTX has underperformed GFFFX with an annualized return of 12.38%, while GFFFX has yielded a comparatively higher 16.22% annualized return.
RFKTX
- 1D
- 0.21%
- 1M
- 4.89%
- YTD
- 10.95%
- 6M
- 11.67%
- 1Y
- 26.29%
- 3Y*
- 19.70%
- 5Y*
- 10.20%
- 10Y*
- 12.38%
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%
RFKTX vs. GFFFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFKTX American Funds 2055 Target Date Retirement Fund Class R6 | 10.95% | 20.76% | 15.58% | 21.41% | -19.48% | 17.33% | 19.41% | 25.06% | -5.64% | 22.63% |
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 RFKTX and GFFFX is 0.95 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| 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 | 0.96 |
Correlation (All Time) Calculated using the full available price history since Jan 4, 2011 | 0.96 |
The correlation between RFKTX 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
RFKTX vs. GFFFX — Risk / Return Rank
RFKTX
GFFFX
RFKTX vs. GFFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2055 Target Date Retirement Fund Class R6 (RFKTX) 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.
| RFKTX | GFFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.47 | ||
| Sortino ratioReturn per unit of downside risk | +0.70 | ||
| Omega ratioGain probability vs. loss probability | 1.42 | 1.32 | +0.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.77 | 1.97 | +0.80 |
| Martin ratioReturn relative to average drawdown | 12.58 | 7.70 | +4.88 |
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
| RFKTX | GFFFX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.26 | 1.79 | +0.47 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.70 | 0.63 | +0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.83 | 0.83 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.77 | 0.81 | -0.03 |
Drawdowns
RFKTX vs. GFFFX - Drawdown Comparison
The maximum RFKTX drawdown since its inception was -29.29%, smaller than the maximum GFFFX drawdown of -36.26%. Use the drawdown chart below to compare losses from any high point for RFKTX and GFFFX.
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Drawdown Indicators
| RFKTX | GFFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.29% | -36.26% | +6.97% |
Max Drawdown (1Y)Largest decline over 1 year | -9.70% | -13.74% | +4.04% |
Max Drawdown (3Y)Largest decline over 3 years | -15.34% | -21.55% | +6.21% |
Max Drawdown (5Y)Largest decline over 5 years | -27.11% | -36.26% | +9.15% |
Max Drawdown (10Y)Largest decline over 10 years | -29.29% | -36.26% | +6.97% |
Current DrawdownCurrent decline from peak | 0.00% | -0.32% | +0.32% |
Average DrawdownAverage peak-to-trough decline | -4.22% | -5.57% | +1.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.13% | 3.51% | -1.38% |
Volatility
RFKTX vs. GFFFX - Volatility Comparison
The current volatility for American Funds 2055 Target Date Retirement Fund Class R6 (RFKTX) is 3.47%, while American Funds The Growth Fund of America (GFFFX) has a volatility of 3.67%. This indicates that RFKTX 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
| RFKTX | GFFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.47% | 3.67% | -0.20% |
Volatility (6M)Calculated over the trailing 6-month period | 9.56% | 11.66% | -2.10% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.91% | 15.16% | -3.25% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.60% | 20.25% | -5.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.04% | 19.69% | -4.65% |
RFKTX vs. GFFFX - Expense Ratio Comparison
RFKTX has a 0.38% expense ratio, which is lower than GFFFX's 0.40% expense ratio.
Dividends
RFKTX vs. GFFFX - Dividend Comparison
RFKTX's dividend yield for the trailing twelve months is around 5.33%, 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% |
RFKTX American Funds 2055 Target Date Retirement Fund Class R6 | 5.33% | 5.92% | 3.49% | 2.50% | 7.19% | 4.41% | 3.22% | 4.18% | 4.77% | 2.43% | 3.45% | 4.32% |
Frequently Asked Questions
With a correlation of 0.95, RFKTX 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 RFKTX (3.47%). In terms of maximum drawdown, RFKTX dropped -29.29% vs GFFFX's -36.26%.
RFKTX currently has the higher Sharpe Ratio (2.26 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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