CGBL vs RULE
Capital Group Core Balanced ETF vs Adaptive Core ETF
Which is better, CGBL or RULE?
RULE has been ahead.
CGBL has a lower expense ratio. RULE led over 1Y, 3Y and the full window. RULE is less concentrated, with 39.2% of the fund in its ten largest positions against 59.0%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | CGBL | RULE |
|---|---|---|
| Expense Ratio | 0.33%Best | 1.84% |
| AUM | $7.8B | $18M |
| Dividend Yield | 1.94% | 0.00% |
| Holdings | 155 | 35 |
| YTD Return | +4.99% | +28.90%Best |
| 1Y Return | +7.78% | +32.56%Best |
| 3Y Return (annualized) | +15.55% | +17.05%Best |
| 5Y Return (annualized) | - | +4.11% |
| Volatility (annualized) | 9.2%Best | 20.5% |
| Max Drawdown | -11.7%Best | -20.2% |
| $10,000 over 3 years | $15,504 | $16,103Best |
| Top 10 Weight | 59.0% | 39.2%Best |
| Fund Family | Capital Group (US) | Mohr Funds |
| Category | Allocation/Balanced | Allocation/Balanced |
| Style | Equity-oriented Balanced | Equity-oriented Balanced |
| Inception | Sep 26, 2023 | Nov 2, 2021 |
Volatility and max drawdown, and the $10,000 over 3 years row, are measured over the window both funds cover: Sep 28, 2023 to Oct 14, 2026 (3 years).
CGBL vs RULE growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 3 years both funds cover.
CGBL vs RULE Performance
Capital Group Core Balanced ETF (CGBL) is an ETF from Capital Group (US) and Adaptive Core ETF (RULE) is an ETF from Mohr Funds. Over the past year CGBL returned +7.78% while RULE returned +32.56%. Year to date, CGBL is up 4.99% versus a gain of 28.90% for RULE.
Over three years, CGBL compounded at +15.55% per year against +17.05% for RULE.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
RULE has been the more volatile fund, with annualized monthly volatility of 20.5% compared with 9.2% for CGBL. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -11.7% for CGBL and -20.2% for RULE. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.74. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
CGBL charges 0.33% per year while RULE charges 1.84%. On a $10,000 position that is $33 vs $184 annually, a gap of $151 per year that compounds over a long holding period. On income, CGBL currently yields 1.94% against 0.00% for RULE.
Holdings Overlap
10.0% of CGBL's money is in holdings RULE also owns. 21.4% of RULE's money is in holdings CGBL also owns.
RULE and CGBL share little of their money.
8 positions in common, counted across the 77 positions we hold weights for in CGBL and 35 in RULE, against full books of 155 and 35.
What only one of them owns
Our book lists 26 positions for RULE that do not appear in our book for CGBL (76.4% of the fund), and 59 for CGBL that do not appear in RULE (80.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in CGBL | Weight in RULE | Difference |
|---|---|---|---|
| MUMicron Technology, Inc. | 1.63% | 6.03% | 4.40% |
| MSFTMicrosoft Corp | 2.53% | 2.45% | 0.08% |
| AAPLApple, Inc | 2.34% | 2.00% | 0.34% |
| NVDANvidia Corp | 0.77% | 2.67% | 1.90% |
| CATCaterpillar, Inc. | 0.44% | 2.57% | 2.13% |
| ILMNIllumina, Inc. | 0.51% | 2.42% | 1.91% |
| BACBank of America Corp.: Financials | 0.92% | 1.74% | 0.82% |
| AMZNAmazon.Com Inc | 0.88% | 1.49% | 0.61% |
21.4% of RULE is already inside CGBL.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, CGBL or RULE?
CGBL has an expense ratio of 0.33% while RULE charges 1.84%. CGBL is the cheaper option, by $151 a year on a $10,000 investment.
Which performed better, CGBL or RULE?
Over the past year CGBL returned +7.78% vs +32.56% for RULE, so RULE leads on 1-year performance. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, CGBL or RULE?
RULE has been the more volatile fund at 20.5% annualized versus 9.2% for CGBL. Worst drawdown: CGBL -11.7% vs RULE -20.2%.
Should I hold both CGBL and RULE?
CGBL and RULE have a monthly-return correlation of 0.74, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between CGBL and RULE?
21.4% of RULE's money is in holdings CGBL also owns. 21.4% of RULE's is in holdings CGBL also owns. They hold 8 positions in common, counted across the 77 positions we hold weights for in CGBL and 35 in RULE.
Which pays a higher dividend, CGBL or RULE?
CGBL yields 1.94% while RULE yields 0.00%, so CGBL currently pays the higher dividend yield.
Is RULE better than CGBL?
CGBL has a lower expense ratio. RULE led over 1Y, 3Y and the full window. RULE is less concentrated, with 39.2% of the fund in its ten largest positions against 59.0%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.