RINFX vs. FYMIX

Last updated Aug 1, 2026

RINFX (American Funds Conservative Growth and Income Portfolio Class R-5) and FYMIX (Fidelity Sustainable Multi-Asset Fund) are both Diversified Portfolio funds. Over the past 3 years, RINFX returned 10.83%/yr vs 13.83%/yr for FYMIX. Their correlation of 0.89 means they have usually moved in the same direction. RINFX charges 0.36%/yr vs 0.05%/yr for FYMIX.

Performance

RINFX vs. FYMIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in American Funds Conservative Growth and Income Portfolio Class R-5 (RINFX) and Fidelity Sustainable Multi-Asset Fund (FYMIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, RINFX achieves a 4.97% return, which is significantly lower than FYMIX's 8.03% return.

RINFX

• 1D: 0.48%
• 1M: 0.07%
• 6M: 2.95%
• YTD: 4.97%
• 1Y: 11.28%
• 3Y*: 10.83%
• 5Y*: 6.43%
• 10Y*: 7.17%
• ALL TIME*: 7.12%

FYMIX

• 1D: 1.91%
• 1M: -1.01%
• 6M: 5.01%
• YTD: 8.03%
• 1Y: 18.08%
• 3Y*: 13.83%
• 5Y*: —
• 10Y*: —
• ALL TIME*: 7.79%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
FYMIX Fidelity Sustainable Multi-Asset Fund	$0.00	$0.00	$0.00
RINFX American Funds Conservative Growth and Income Portfolio Class R-5	$0.00	$0.00	$0.00

RINFX vs. FYMIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022
RINFX American Funds Conservative Growth and Income Portfolio Class R-5	4.97%	13.58%	9.59%	9.78%	-7.39%
FYMIX Fidelity Sustainable Multi-Asset Fund	8.03%	18.95%	11.09%	16.15%	-15.71%

Correlation

The correlation between RINFX and FYMIX is 0.86, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.86
Correlation (3Y) Balances recent behavior with more history.	0.87
Correlation (All Time) Calculated using the full available price history since Feb 10, 2022	0.89

The correlation between RINFX and FYMIX has been stable across timeframes, ranging from 0.86 to 0.89 - a consistent structural relationship.

Return for Risk

RINFX vs. FYMIX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

RINFX

RINFX Risk / Return Rank: 62
RINFX Sharpe Ratio Rank: 71
RINFX Sortino Ratio Rank: 68
RINFX Omega Ratio Rank: 71
RINFX Calmar Ratio Rank: 43
RINFX Martin Ratio Rank: 56

FYMIX

FYMIX Risk / Return Rank: 58
FYMIX Sharpe Ratio Rank: 58
FYMIX Sortino Ratio Rank: 57
FYMIX Omega Ratio Rank: 58
FYMIX Calmar Ratio Rank: 55
FYMIX Martin Ratio Rank: 64

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

RINFX vs. FYMIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for American Funds Conservative Growth and Income Portfolio Class R-5 (RINFX) and Fidelity Sustainable Multi-Asset Fund (FYMIX). 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.

	RINFX	FYMIX	Difference
Sharpe ratio: Return per unit of total volatility	1.71	1.42	+0.29
Sortino ratio: Return per unit of downside risk	2.40	2.03	+0.37
Omega ratio: Gain probability vs. loss probability	1.32	1.26	+0.06
Calmar ratio: Return relative to maximum drawdown	1.81	1.92	-0.12
Martin ratio: Return relative to average drawdown	7.80	7.94	-0.14

RINFX vs. FYMIX - Sharpe Ratio Comparison

The current RINFX Sharpe Ratio is 1.71, which is comparable to the FYMIX Sharpe Ratio of 1.42. The chart below compares the historical Sharpe Ratios of RINFX and FYMIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

RINFX vs. FYMIX - Drawdown Comparison

The maximum RINFX drawdown since its inception was -21.20%, smaller than the maximum FYMIX drawdown of -22.70%. Use the drawdown chart below to compare losses from any high point for RINFX and FYMIX.

Drawdown Indicators

	RINFX	FYMIX	Difference
Max Drawdown Largest peak-to-trough decline	-21.20%	-22.70%	+1.50%
Max Drawdown (1Y) Largest decline over 1 year	-5.87%	-8.80%	+2.93%
Max Drawdown (3Y) Largest decline over 3 years	-7.75%	-12.72%	+4.97%
Max Drawdown (5Y) Largest decline over 5 years	-15.16%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-21.20%	—	—
Current Drawdown Current decline from peak	-0.14%	-1.92%	+1.78%
Average Drawdown Average peak-to-trough decline	-2.29%	-5.49%	+3.20%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.36%	2.13%	-0.77%

Volatility

RINFX vs. FYMIX - Volatility Comparison

The current volatility for American Funds Conservative Growth and Income Portfolio Class R-5 (RINFX) is 1.42%, while Fidelity Sustainable Multi-Asset Fund (FYMIX) has a volatility of 3.40%. This indicates that RINFX experiences smaller price fluctuations and is considered to be less risky than FYMIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	RINFX	FYMIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.42%	3.40%	-1.98%
Volatility (6M) Calculated over the trailing 6-month period	5.04%	10.16%	-5.12%
Volatility (1Y) Calculated over the trailing 1-year period	6.21%	11.92%	-5.71%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	7.57%	12.79%	-5.22%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	8.31%	12.79%	-4.48%

RINFX vs. FYMIX - Expense Ratio Comparison

RINFX has a 0.36% expense ratio, which is higher than FYMIX's 0.05% expense ratio.

Dividends

RINFX vs. FYMIX - Dividend Comparison

RINFX's dividend yield for the trailing twelve months is around 4.97%, more than FYMIX's 3.41% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FYMIX Fidelity Sustainable Multi-Asset Fund	3.41%	3.69%	1.84%	1.78%	1.79%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
RINFX American Funds Conservative Growth and Income Portfolio Class R-5	4.97%	5.05%	5.45%	5.05%	5.15%	4.69%	5.82%	4.82%	5.13%	3.56%	3.83%	4.17%

Frequently Asked Questions

Can I hold both RINFX and FYMIX in my portfolio?

RINFX and FYMIX have a correlation of 0.86, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, RINFX or FYMIX?

FYMIX has higher volatility (3.40%) compared to RINFX (1.42%). In terms of maximum drawdown, RINFX dropped -21.20% vs FYMIX's -22.70%.

Which has better risk-adjusted returns?

RINFX currently has the higher Sharpe Ratio (1.71 vs 1.42), 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.