RPSIX vs. CAIBX
Compare and contrast key facts about T. Rowe Price Spectrum Income Fund (RPSIX) and American Funds Capital Income Builder Class A (CAIBX).
RPSIX is managed by T. Rowe Price. It was launched on Jun 28, 1990. CAIBX is managed by American Funds. It was launched on Jul 30, 1987.
Performance
RPSIX vs. CAIBX - Performance Comparison
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RPSIX vs. CAIBX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RPSIX T. Rowe Price Spectrum Income Fund | -0.87% | 11.58% | 4.22% | 8.55% | -11.40% | 2.60% | 6.07% | 11.57% | -2.61% | 7.03% |
CAIBX American Funds Capital Income Builder Class A | 0.14% | 20.39% | 10.24% | 8.95% | -7.14% | 14.99% | 3.20% | 17.23% | -7.28% | 13.99% |
Returns By Period
In the year-to-date period, RPSIX achieves a -0.87% return, which is significantly lower than CAIBX's 0.14% return. Over the past 10 years, RPSIX has underperformed CAIBX with an annualized return of 3.88%, while CAIBX has yielded a comparatively higher 7.38% annualized return.
RPSIX
- 1D
- 0.18%
- 1M
- -2.36%
- YTD
- -0.87%
- 6M
- 1.96%
- 1Y
- 8.32%
- 3Y*
- 6.63%
- 5Y*
- 2.60%
- 10Y*
- 3.88%
CAIBX
- 1D
- 0.24%
- 1M
- -6.25%
- YTD
- 0.14%
- 6M
- 3.24%
- 1Y
- 14.72%
- 3Y*
- 12.37%
- 5Y*
- 8.06%
- 10Y*
- 7.38%
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RPSIX vs. CAIBX - Expense Ratio Comparison
RPSIX has a 0.62% expense ratio, which is higher than CAIBX's 0.59% expense ratio.
Return for Risk
RPSIX vs. CAIBX — Risk / Return Rank
RPSIX
CAIBX
RPSIX vs. CAIBX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Spectrum Income Fund (RPSIX) and American Funds Capital Income Builder Class A (CAIBX). 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.
| RPSIX | CAIBX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.69 | 1.50 | +1.19 |
Sortino ratioReturn per unit of downside risk | 4.26 | 2.04 | +2.23 |
Omega ratioGain probability vs. loss probability | 1.61 | 1.31 | +0.31 |
Calmar ratioReturn relative to maximum drawdown | 3.32 | 1.74 | +1.58 |
Martin ratioReturn relative to average drawdown | 13.49 | 8.07 | +5.41 |
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
| RPSIX | CAIBX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.69 | 1.50 | +1.19 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.82 | -0.23 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.86 | 0.68 | +0.18 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.49 | 0.91 | +0.59 |
Correlation
The correlation between RPSIX and CAIBX is 0.62, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
RPSIX vs. CAIBX - Dividend Comparison
RPSIX's dividend yield for the trailing twelve months is around 9.12%, more than CAIBX's 7.77% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RPSIX T. Rowe Price Spectrum Income Fund | 9.12% | 8.95% | 5.23% | 4.83% | 3.99% | 3.92% | 3.64% | 3.79% | 4.73% | 3.91% | 3.75% | 4.71% |
CAIBX American Funds Capital Income Builder Class A | 7.77% | 7.71% | 5.76% | 3.47% | 3.43% | 3.14% | 3.38% | 4.10% | 3.55% | 4.44% | 3.52% | 3.62% |
Drawdowns
RPSIX vs. CAIBX - Drawdown Comparison
The maximum RPSIX drawdown since its inception was -16.73%, smaller than the maximum CAIBX drawdown of -43.68%. Use the drawdown chart below to compare losses from any high point for RPSIX and CAIBX.
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Drawdown Indicators
| RPSIX | CAIBX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.73% | -43.68% | +26.95% |
Max Drawdown (1Y)Largest decline over 1 year | -2.54% | -8.37% | +5.83% |
Max Drawdown (5Y)Largest decline over 5 years | -16.73% | -17.65% | +0.92% |
Max Drawdown (10Y)Largest decline over 10 years | -16.73% | -25.28% | +8.55% |
Current DrawdownCurrent decline from peak | -2.36% | -6.25% | +3.89% |
Average DrawdownAverage peak-to-trough decline | -1.70% | -3.82% | +2.12% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.62% | 1.80% | -1.18% |
Volatility
RPSIX vs. CAIBX - Volatility Comparison
The current volatility for T. Rowe Price Spectrum Income Fund (RPSIX) is 1.17%, while American Funds Capital Income Builder Class A (CAIBX) has a volatility of 3.30%. This indicates that RPSIX experiences smaller price fluctuations and is considered to be less risky than CAIBX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RPSIX | CAIBX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.17% | 3.30% | -2.13% |
Volatility (6M)Calculated over the trailing 6-month period | 2.27% | 5.94% | -3.67% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.37% | 10.10% | -6.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.47% | 9.93% | -5.46% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.53% | 10.86% | -6.33% |