RIRGX vs. AIVSX
RIRGX (American Funds Capital Income Builder Fund Class R6) and AIVSX (American Funds Investment Company of America Class A) are both mutual funds - RIRGX is a Diversified Portfolio fund actively managed by American Funds, while AIVSX is a Large Cap Blend Equities fund managed by American Funds. Over the past 10 years, RIRGX returned 8.05%/yr vs 14.15%/yr for AIVSX. Their correlation of 0.88 suggests significant overlap in exposure. RIRGX charges 0.26%/yr vs 0.55%/yr for AIVSX.
Performance
RIRGX vs. AIVSX - Performance Comparison
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Returns By Period
In the year-to-date period, RIRGX achieves a 7.67% return, which is significantly lower than AIVSX's 10.30% return. Over the past 10 years, RIRGX has underperformed AIVSX with an annualized return of 8.05%, while AIVSX has yielded a comparatively higher 14.15% annualized return.
RIRGX
- 1D
- 0.02%
- 1M
- 0.33%
- YTD
- 7.67%
- 6M
- 8.54%
- 1Y
- 18.20%
- 3Y*
- 15.31%
- 5Y*
- 8.56%
- 10Y*
- 8.05%
AIVSX
- 1D
- 0.15%
- 1M
- 2.19%
- YTD
- 10.30%
- 6M
- 10.01%
- 1Y
- 25.39%
- 3Y*
- 24.15%
- 5Y*
- 14.73%
- 10Y*
- 14.15%
RIRGX vs. AIVSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RIRGX American Funds Capital Income Builder Fund Class R6 | 7.67% | 20.76% | 9.78% | 9.31% | -6.85% | 15.39% | 3.31% | 17.61% | -6.75% | 14.30% |
AIVSX American Funds Investment Company of America Class A | 10.30% | 20.47% | 24.90% | 28.56% | -15.50% | 25.10% | 14.47% | 24.10% | -8.21% | 19.54% |
Correlation
The correlation between RIRGX and AIVSX is 0.75, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.75 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.79 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.84 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.86 |
Correlation (All Time) Calculated using the full available price history since Jan 5, 2010 | 0.88 |
The correlation between RIRGX and AIVSX shifts across timeframes, from 0.75 (1 year) to 0.88 (all time), reflecting how their relationship changes across market environments.
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Return for Risk
RIRGX vs. AIVSX — Risk / Return Rank
RIRGX
AIVSX
RIRGX vs. AIVSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Capital Income Builder Fund Class R6 (RIRGX) and American Funds Investment Company of America Class A (AIVSX). 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.
| RIRGX | AIVSX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.24 | ||
| Sortino ratioReturn per unit of downside risk | +0.41 | ||
| Omega ratioGain probability vs. loss probability | 1.43 | 1.38 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.83 | 2.54 | +0.30 |
| Martin ratioReturn relative to average drawdown | 11.29 | 11.50 | -0.21 |
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
| RIRGX | AIVSX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.29 | 2.05 | +0.24 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.86 | 0.92 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.86 | -0.11 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.73 | 0.70 | +0.03 |
Drawdowns
RIRGX vs. AIVSX - Drawdown Comparison
The maximum RIRGX drawdown since its inception was -25.25%, smaller than the maximum AIVSX drawdown of -50.90%. Use the drawdown chart below to compare losses from any high point for RIRGX and AIVSX.
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Drawdown Indicators
| RIRGX | AIVSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -25.25% | -50.90% | +25.65% |
Max Drawdown (1Y)Largest decline over 1 year | -6.47% | -10.08% | +3.61% |
Max Drawdown (3Y)Largest decline over 3 years | -8.88% | -17.40% | +8.52% |
Max Drawdown (5Y)Largest decline over 5 years | -17.45% | -24.31% | +6.86% |
Max Drawdown (10Y)Largest decline over 10 years | -25.25% | -31.09% | +5.84% |
Current DrawdownCurrent decline from peak | -0.23% | -0.55% | +0.32% |
Average DrawdownAverage peak-to-trough decline | -3.06% | -5.90% | +2.84% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.62% | 2.22% | -0.60% |
Volatility
RIRGX vs. AIVSX - Volatility Comparison
The current volatility for American Funds Capital Income Builder Fund Class R6 (RIRGX) is 2.44%, while American Funds Investment Company of America Class A (AIVSX) has a volatility of 3.33%. This indicates that RIRGX experiences smaller price fluctuations and is considered to be less risky than AIVSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RIRGX | AIVSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.44% | 3.33% | -0.89% |
Volatility (6M)Calculated over the trailing 6-month period | 6.38% | 9.69% | -3.31% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.01% | 12.46% | -4.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.99% | 16.00% | -6.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.89% | 16.58% | -5.69% |
RIRGX vs. AIVSX - Expense Ratio Comparison
RIRGX has a 0.26% expense ratio, which is lower than AIVSX's 0.55% expense ratio.
Dividends
RIRGX vs. AIVSX - Dividend Comparison
RIRGX's dividend yield for the trailing twelve months is around 7.53%, less than AIVSX's 9.63% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AIVSX American Funds Investment Company of America Class A | 9.63% | 10.60% | 9.29% | 4.96% | 6.12% | 6.94% | 1.65% | 6.15% | 9.61% | 7.08% | 5.48% | 8.95% |
RIRGX American Funds Capital Income Builder Fund Class R6 | 7.53% | 8.03% | 5.35% | 3.79% | 3.77% | 3.46% | 3.49% | 4.41% | 4.12% | 4.73% | 2.88% | 3.92% |
Frequently Asked Questions
RIRGX and AIVSX have a correlation of 0.75, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
AIVSX has higher volatility (3.33%) compared to RIRGX (2.44%). In terms of maximum drawdown, RIRGX dropped -25.25% vs AIVSX's -50.90%.
RIRGX currently has the higher Sharpe Ratio (2.29 vs 2.05), 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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