THPBX vs. CSTAX
THPBX (BNY Mellon Balanced Opportunity Fund) and CSTAX (American Funds College 2027 Fund) are both Diversified Portfolio funds. Over the past 10 years, THPBX returned 8.42%/yr vs 4.99%/yr for CSTAX. Their correlation of 0.81 suggests significant overlap in exposure. THPBX charges 0.90%/yr vs 0.41%/yr for CSTAX.
Performance
THPBX vs. CSTAX - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, THPBX achieves a 5.48% return, which is significantly higher than CSTAX's 1.38% return. Over the past 10 years, THPBX has outperformed CSTAX with an annualized return of 8.42%, while CSTAX has yielded a comparatively lower 4.99% annualized return.
THPBX
- 1D
- 0.82%
- 1M
- 1.14%
- YTD
- 5.48%
- 6M
- 5.22%
- 1Y
- 16.34%
- 3Y*
- 11.76%
- 5Y*
- 6.54%
- 10Y*
- 8.42%
CSTAX
- 1D
- 0.16%
- 1M
- 0.40%
- YTD
- 1.38%
- 6M
- 1.52%
- 1Y
- 6.38%
- 3Y*
- 6.72%
- 5Y*
- 2.95%
- 10Y*
- 4.99%
THPBX vs. CSTAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
THPBX BNY Mellon Balanced Opportunity Fund | 5.48% | 12.98% | 11.38% | 16.62% | -15.68% | 12.68% | 9.62% | 20.34% | -3.90% | 11.78% |
CSTAX American Funds College 2027 Fund | 1.38% | 9.00% | 5.57% | 6.57% | -9.87% | 6.52% | 7.66% | 13.35% | -2.23% | 11.77% |
Correlation
The correlation between THPBX and CSTAX 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 | 0.74 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.73 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.78 |
Correlation (All Time) Calculated using the full available price history since Jan 2, 2013 | 0.81 |
The correlation between THPBX and CSTAX has been stable across timeframes, ranging from 0.73 to 0.81 - a consistent structural relationship.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
THPBX vs. CSTAX — Risk / Return Rank
THPBX
CSTAX
THPBX vs. CSTAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for BNY Mellon Balanced Opportunity Fund (THPBX) and American Funds College 2027 Fund (CSTAX). 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.
| THPBX | CSTAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.27 | ||
| Sortino ratioReturn per unit of downside risk | -0.56 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.41 | -0.07 |
| Calmar ratioReturn relative to maximum drawdown | 2.18 | 2.39 | -0.21 |
| Martin ratioReturn relative to average drawdown | 10.35 | 9.06 | +1.29 |
Loading charts...
Drawdowns
THPBX vs. CSTAX - Drawdown Comparison
The maximum THPBX drawdown since its inception was -42.24%, which is greater than CSTAX's maximum drawdown of -14.52%. Use the drawdown chart below to compare losses from any high point for THPBX and CSTAX.
Loading charts...
Drawdown Indicators
| THPBX | CSTAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.24% | -14.52% | -27.72% |
Max Drawdown (1Y)Largest decline over 1 year | -7.50% | -2.72% | -4.78% |
Max Drawdown (3Y)Largest decline over 3 years | -13.69% | -4.89% | -8.80% |
Max Drawdown (5Y)Largest decline over 5 years | -23.61% | -14.52% | -9.09% |
Max Drawdown (10Y)Largest decline over 10 years | -26.45% | -14.52% | -11.93% |
Current DrawdownCurrent decline from peak | -0.23% | -0.48% | +0.25% |
Average DrawdownAverage peak-to-trough decline | -5.17% | -2.34% | -2.83% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.57% | 0.72% | +0.85% |
Volatility
THPBX vs. CSTAX - Volatility Comparison
BNY Mellon Balanced Opportunity Fund (THPBX) has a higher volatility of 3.64% compared to American Funds College 2027 Fund (CSTAX) at 1.22%. This indicates that THPBX's price experiences larger fluctuations and is considered to be riskier than CSTAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| THPBX | CSTAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.64% | 1.22% | +2.42% |
Volatility (6M)Calculated over the trailing 6-month period | 7.54% | 2.47% | +5.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.06% | 3.13% | +5.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.84% | 5.17% | +6.67% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.33% | 5.79% | +6.54% |
THPBX vs. CSTAX - Expense Ratio Comparison
THPBX has a 0.90% expense ratio, which is higher than CSTAX's 0.41% expense ratio.
Dividends
THPBX vs. CSTAX - Dividend Comparison
THPBX's dividend yield for the trailing twelve months is around 7.86%, more than CSTAX's 5.19% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CSTAX American Funds College 2027 Fund | 5.19% | 5.26% | 3.78% | 3.17% | 3.40% | 7.52% | 5.72% | 4.00% | 4.78% | 3.90% | 4.34% | 4.49% |
THPBX BNY Mellon Balanced Opportunity Fund | 7.86% | 8.30% | 5.42% | 4.78% | 6.32% | 10.48% | 3.26% | 3.57% | 9.72% | 5.19% | 1.32% | 6.17% |
Frequently Asked Questions
THPBX and CSTAX 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.
THPBX has higher volatility (3.64%) compared to CSTAX (1.22%). In terms of maximum drawdown, THPBX dropped -42.24% vs CSTAX's -14.52%.
CSTAX currently has the higher Sharpe Ratio (2.07 vs 1.80), 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.
Find the right allocation for THPBX and CSTAX
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer