SSFNX vs. RFGTX
Compare and contrast key facts about State Street Target Retirement Fund (SSFNX) and American Funds 2040 Target Date Retirement Fund Class R6 (RFGTX).
SSFNX is managed by State Street. It was launched on Sep 29, 2014. RFGTX is an actively managed fund by American Funds. It was launched on Feb 1, 2007.
Performance
SSFNX vs. RFGTX - Performance Comparison
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SSFNX vs. RFGTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SSFNX State Street Target Retirement Fund | -0.35% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.26% | 13.97% | -2.49% | 8.92% |
RFGTX American Funds 2040 Target Date Retirement Fund Class R6 | -4.71% | 19.52% | 14.80% | 19.33% | -17.53% | 16.88% | 18.79% | 24.37% | -5.51% | 21.98% |
Returns By Period
In the year-to-date period, SSFNX achieves a -0.35% return, which is significantly higher than RFGTX's -4.71% return. Over the past 10 years, SSFNX has underperformed RFGTX with an annualized return of 5.41%, while RFGTX has yielded a comparatively higher 10.65% annualized return.
SSFNX
- 1D
- 0.18%
- 1M
- -3.35%
- YTD
- -0.35%
- 6M
- 1.07%
- 1Y
- 8.90%
- 3Y*
- 8.01%
- 5Y*
- 3.96%
- 10Y*
- 5.41%
RFGTX
- 1D
- -0.23%
- 1M
- -8.12%
- YTD
- -4.71%
- 6M
- -1.86%
- 1Y
- 14.78%
- 3Y*
- 13.87%
- 5Y*
- 7.66%
- 10Y*
- 10.65%
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SSFNX vs. RFGTX - Expense Ratio Comparison
SSFNX has a 0.10% expense ratio, which is lower than RFGTX's 0.36% expense ratio.
Return for Risk
SSFNX vs. RFGTX — Risk / Return Rank
SSFNX
RFGTX
SSFNX vs. RFGTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Target Retirement Fund (SSFNX) and American Funds 2040 Target Date Retirement Fund Class R6 (RFGTX). 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.
| SSFNX | RFGTX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.59 | 1.12 | +0.46 |
Sortino ratioReturn per unit of downside risk | 2.24 | 1.67 | +0.57 |
Omega ratioGain probability vs. loss probability | 1.35 | 1.24 | +0.11 |
Calmar ratioReturn relative to maximum drawdown | 1.93 | 1.43 | +0.50 |
Martin ratioReturn relative to average drawdown | 9.29 | 6.45 | +2.85 |
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
| SSFNX | RFGTX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.59 | 1.12 | +0.46 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.61 | 0.58 | +0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.83 | 0.76 | +0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.77 | 0.73 | +0.04 |
Correlation
The correlation between SSFNX and RFGTX is 0.90, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
SSFNX vs. RFGTX - Dividend Comparison
SSFNX's dividend yield for the trailing twelve months is around 4.88%, less than RFGTX's 6.52% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SSFNX State Street Target Retirement Fund | 4.88% | 4.86% | 5.78% | 5.26% | 5.12% | 6.69% | 1.61% | 3.35% | 4.40% | 2.72% | 1.84% | 2.05% |
RFGTX American Funds 2040 Target Date Retirement Fund Class R6 | 6.52% | 6.22% | 3.80% | 2.81% | 6.71% | 5.22% | 3.53% | 4.59% | 5.29% | 2.70% | 3.88% | 5.43% |
Drawdowns
SSFNX vs. RFGTX - Drawdown Comparison
The maximum SSFNX drawdown since its inception was -16.62%, smaller than the maximum RFGTX drawdown of -28.52%. Use the drawdown chart below to compare losses from any high point for SSFNX and RFGTX.
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Drawdown Indicators
| SSFNX | RFGTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.62% | -28.52% | +11.90% |
Max Drawdown (1Y)Largest decline over 1 year | -4.51% | -9.23% | +4.72% |
Max Drawdown (5Y)Largest decline over 5 years | -16.62% | -24.85% | +8.23% |
Max Drawdown (10Y)Largest decline over 10 years | -16.62% | -28.52% | +11.90% |
Current DrawdownCurrent decline from peak | -3.35% | -8.39% | +5.04% |
Average DrawdownAverage peak-to-trough decline | -2.55% | -3.94% | +1.39% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.94% | 2.05% | -1.11% |
Volatility
SSFNX vs. RFGTX - Volatility Comparison
The current volatility for State Street Target Retirement Fund (SSFNX) is 1.92%, while American Funds 2040 Target Date Retirement Fund Class R6 (RFGTX) has a volatility of 3.97%. This indicates that SSFNX experiences smaller price fluctuations and is considered to be less risky than RFGTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SSFNX | RFGTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.92% | 3.97% | -2.05% |
Volatility (6M)Calculated over the trailing 6-month period | 3.23% | 7.76% | -4.53% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.71% | 13.24% | -7.53% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.56% | 13.20% | -6.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.55% | 14.05% | -7.50% |