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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Franklin LifeSmart 2020™ Retirement Target Fund, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Returns By Period
Franklin LifeSmart 2020™ Retirement Target Fund (FLROX) has returned -2.45% so far this year and 9.61% over the past 12 months. Over the last ten years, FLROX has returned 5.80% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
Franklin LifeSmart 2020™ Retirement Target Fund
- 1D
- 0.08%
- 1M
- -5.28%
- YTD
- -2.45%
- 6M
- -0.39%
- 1Y
- 9.61%
- 3Y*
- 8.88%
- 5Y*
- 4.41%
- 10Y*
- 5.80%
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Jan 2, 2015, FLROX's average daily return is +0.02%, while the average monthly return is +0.43%. At this rate, your investment would double in approximately 13.5 years.
Historically, 68% of months were positive and 32% were negative. The best month was Nov 2023 with a return of +6.4%, while the worst month was Mar 2020 at -7.8%. The longest winning streak lasted 14 consecutive months, and the longest losing streak was 4 months.
On a daily basis, FLROX closed higher 50% of trading days. The best single day was Dec 30, 2021 with a return of +7.5%, while the worst single day was Dec 31, 2021 at -7.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.61% | 1.36% | -5.28% | -2.45% | |||||||||
| 2025 | 1.80% | 0.97% | -1.59% | 0.41% | 2.26% | 2.81% | 0.16% | 1.81% | 2.24% | 1.28% | 0.45% | 0.37% | 13.66% |
| 2024 | 0.26% | 1.80% | 2.08% | -3.17% | 3.19% | 1.16% | 1.75% | 1.88% | 1.51% | -2.23% | 2.28% | -2.31% | 8.24% |
| 2023 | 4.61% | -2.43% | 2.66% | 0.64% | -1.17% | 2.81% | 1.52% | -1.59% | -3.18% | -1.96% | 6.37% | 4.29% | 12.71% |
| 2022 | -3.68% | -2.23% | -0.09% | -5.87% | 0.52% | -5.16% | 4.67% | -3.30% | -6.46% | 2.78% | 5.60% | -2.44% | -15.35% |
| 2021 | -0.61% | 0.39% | 1.67% | 2.65% | 0.96% | 0.93% | 1.10% | 1.53% | -3.04% | 2.97% | -1.30% | 2.44% | 9.94% |
Benchmark Metrics
Franklin LifeSmart 2020™ Retirement Target Fund has an annualized alpha of 0.81%, beta of 0.38, and R² of 0.56 versus S&P 500 Index. Calculated based on daily prices since January 05, 2015.
- This fund participated in 61.48% of S&P 500 Index downside but only 47.88% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.38 indicates this fund moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 0.81%
- Beta
- 0.38
- R²
- 0.56
- Upside Capture
- 47.88%
- Downside Capture
- 61.48%
Expense Ratio
FLROX has an expense ratio of 0.22%, which is considered low.
Return for Risk
Risk / Return Rank
FLROX ranks 65 for risk / return — better than 65% of mutual funds on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Franklin LifeSmart 2020™ Retirement Target Fund (FLROX) and compare them to a chosen benchmark (S&P 500 Index).
| FLROX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.18 | 0.90 | +0.29 |
Sortino ratioReturn per unit of downside risk | 1.70 | 1.39 | +0.32 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.21 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.49 | 1.40 | +0.09 |
Martin ratioReturn relative to average drawdown | 6.51 | 6.61 | -0.10 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore FLROX risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
Franklin LifeSmart 2020™ Retirement Target Fund provided a 6.13% dividend yield over the last twelve months, with an annual payout of $0.78 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.78 | $0.78 | $0.38 | $0.32 | $0.42 | $1.27 | $0.29 | $0.32 | $0.35 | $0.18 | $0.27 | $0.32 |
Dividend yield | 6.13% | 5.98% | 3.15% | 2.74% | 3.97% | 9.70% | 2.21% | 2.66% | 3.18% | 1.49% | 2.55% | 3.03% |
Monthly Dividends
The table displays the monthly dividend distributions for Franklin LifeSmart 2020™ Retirement Target Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.47 | $0.78 |
| 2024 | $0.00 | $0.00 | $0.13 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.08 | $0.38 |
| 2023 | $0.00 | $0.00 | $0.13 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.04 | $0.32 |
| 2022 | $0.00 | $0.00 | $0.02 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.04 | $0.42 |
| 2021 | $0.00 | $0.00 | $0.02 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.98 | $1.27 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Franklin LifeSmart 2020™ Retirement Target Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Franklin LifeSmart 2020™ Retirement Target Fund was 26.14%, occurring on Oct 14, 2022. Recovery took 660 trading sessions.
The current Franklin LifeSmart 2020™ Retirement Target Fund drawdown is 5.56%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -26.14% | Dec 31, 2021 | 199 | Oct 14, 2022 | 660 | Jun 4, 2025 | 859 |
| -19.76% | Feb 20, 2020 | 24 | Mar 24, 2020 | 93 | Aug 5, 2020 | 117 |
| -14.78% | May 26, 2015 | 182 | Feb 11, 2016 | 258 | Feb 21, 2017 | 440 |
| -8.49% | Jan 29, 2018 | 229 | Dec 24, 2018 | 59 | Mar 21, 2019 | 288 |
| -5.63% | Feb 26, 2026 | 22 | Mar 27, 2026 | — | — | — |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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