SSFNX vs. EINFX
SSFNX (State Street Target Retirement Fund) and EINFX (Elfun Income Fund) are both mutual funds - SSFNX is a Target Retirement Date fund managed by State Street, while EINFX is a Intermediate Core-Plus Bond fund managed by State Street. Over the past 10 years, SSFNX returned 5.67%/yr vs 1.06%/yr for EINFX. Their 0.31 correlation means their historical movements had little consistent relationship. SSFNX charges 0.10%/yr vs 0.29%/yr for EINFX.
Performance
SSFNX vs. EINFX - Performance Comparison
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Returns By Period
In the year-to-date period, SSFNX achieves a 5.22% return, which is significantly higher than EINFX's -1.31% return. Over the past 10 years, SSFNX has outperformed EINFX with an annualized return of 5.67%, while EINFX has yielded a comparatively lower 1.06% annualized return.
SSFNX
- 1D
- 0.08%
- 1M
- 0.08%
- 6M
- 3.75%
- YTD
- 5.22%
- 1Y
- 10.32%
- 3Y*
- 9.09%
- 5Y*
- 4.13%
- 10Y*
- 5.67%
- ALL TIME*
- 5.26%
EINFX
- 1D
- -0.32%
- 1M
- -1.45%
- 6M
- -1.39%
- YTD
- -1.31%
- 1Y
- 1.10%
- 3Y*
- 2.76%
- 5Y*
- -1.29%
- 10Y*
- 1.06%
- ALL TIME*
- 3.70%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
EINFX Elfun Income Fund | $0.00 | $0.00 | $0.00 |
| $0.00 | $0.00 | $0.00 |
SSFNX vs. EINFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SSFNX State Street Target Retirement Fund | 5.22% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.26% | 13.97% | -2.49% | 8.92% |
EINFX Elfun Income Fund | -1.31% | 7.35% | -0.73% | 4.75% | -13.82% | -1.57% | 7.81% | 9.51% | -0.86% | 3.91% |
Correlation
The correlation between SSFNX and EINFX is 0.52, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.52 |
Correlation (3Y) Balances recent behavior with more history. | 0.53 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.50 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.35 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.31 |
Over the past year, SSFNX and EINFX have become more correlated (0.52) than their long-term average of 0.31, meaning their price movements have been converging.
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Return for Risk
SSFNX vs. EINFX — Risk / Return Rank
SSFNX
EINFX
SSFNX vs. EINFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Target Retirement Fund (SSFNX) and Elfun Income Fund (EINFX). 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.
| SSFNX | EINFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.67 | ||
| Sortino ratioReturn per unit of downside risk | +2.35 | ||
| Omega ratioGain probability vs. loss probability | 1.43 | 1.09 | +0.34 |
| Calmar ratioReturn relative to maximum drawdown | 2.94 | 0.60 | +2.34 |
| Martin ratioReturn relative to average drawdown | 12.75 | 1.45 | +11.30 |
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Drawdowns
SSFNX vs. EINFX - Drawdown Comparison
The maximum SSFNX drawdown since its inception was -16.62%, smaller than the maximum EINFX drawdown of -19.78%. Use the drawdown chart below to compare losses from any high point for SSFNX and EINFX.
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Drawdown Indicators
| SSFNX | EINFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.62% | -19.78% | +3.16% |
Max Drawdown (1Y)Largest decline over 1 year | -3.52% | -3.40% | -0.12% |
Max Drawdown (3Y)Largest decline over 3 years | -5.21% | -6.96% | +1.75% |
Max Drawdown (5Y)Largest decline over 5 years | -16.62% | -19.72% | +3.10% |
Max Drawdown (10Y)Largest decline over 10 years | -16.62% | -19.78% | +3.16% |
Current DrawdownCurrent decline from peak | -0.34% | -6.54% | +6.20% |
Average DrawdownAverage peak-to-trough decline | -2.49% | -3.58% | +1.09% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.81% | 1.41% | -0.60% |
Volatility
SSFNX vs. EINFX - Volatility Comparison
State Street Target Retirement Fund (SSFNX) has a higher volatility of 1.22% compared to Elfun Income Fund (EINFX) at 0.97%. This indicates that SSFNX's price experiences larger fluctuations and is considered to be riskier than EINFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SSFNX | EINFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.22% | 0.97% | +0.25% |
Volatility (6M)Calculated over the trailing 6-month period | 3.97% | 3.13% | +0.84% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.76% | 4.03% | +0.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.62% | 6.51% | +0.11% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.56% | 5.24% | +1.32% |
SSFNX vs. EINFX - Expense Ratio Comparison
SSFNX has a 0.10% expense ratio, which is lower than EINFX's 0.29% expense ratio.
Dividends
SSFNX vs. EINFX - Dividend Comparison
SSFNX's dividend yield for the trailing twelve months is around 4.62%, more than EINFX's 3.58% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
EINFX Elfun Income Fund | 3.58% | 3.84% | 3.04% | 2.76% | 4.09% | 3.31% | 3.15% | 2.78% | 2.88% | 2.42% | 3.34% | 2.87% |
SSFNX State Street Target Retirement Fund | 4.62% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
Frequently Asked Questions
SSFNX and EINFX have a correlation of 0.52, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SSFNX has higher volatility (1.22%) compared to EINFX (0.97%). In terms of maximum drawdown, SSFNX dropped -16.62% vs EINFX's -19.78%.
SSFNX currently has the higher Sharpe Ratio (2.18 vs 0.51), 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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