FCIFX vs. SSFNX
FCIFX (Fidelity Advisor Freedom 2010 Fund Class I) and SSFNX (State Street Target Retirement Fund) are both Target Retirement Date funds. Over the past 10 years, FCIFX returned 5.74%/yr vs 5.89%/yr for SSFNX. Their correlation of 0.92 suggests significant overlap in exposure. FCIFX charges 0.49%/yr vs 0.10%/yr for SSFNX.
Performance
FCIFX vs. SSFNX - Performance Comparison
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Returns By Period
In the year-to-date period, FCIFX achieves a 5.00% return, which is significantly lower than SSFNX's 5.58% return. Both investments have delivered pretty close results over the past 10 years, with FCIFX having a 5.74% annualized return and SSFNX not far ahead at 5.89%.
FCIFX
- 1D
- 0.26%
- 1M
- 1.76%
- YTD
- 5.00%
- 6M
- 5.31%
- 1Y
- 12.03%
- 3Y*
- 8.87%
- 5Y*
- 3.56%
- 10Y*
- 5.74%
SSFNX
- 1D
- 0.17%
- 1M
- 1.53%
- YTD
- 5.58%
- 6M
- 5.73%
- 1Y
- 13.09%
- 3Y*
- 9.93%
- 5Y*
- 4.57%
- 10Y*
- 5.89%
FCIFX vs. SSFNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FCIFX Fidelity Advisor Freedom 2010 Fund Class I | 5.00% | 11.27% | 5.19% | 9.55% | -13.19% | 5.44% | 10.90% | 14.74% | -3.44% | 12.26% |
SSFNX State Street Target Retirement Fund | 5.58% | 10.93% | 7.05% | 10.73% | -12.21% | 6.87% | 10.26% | 13.97% | -2.49% | 8.92% |
Correlation
The correlation between FCIFX and SSFNX is 0.93, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.93 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.91 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.92 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since Oct 2, 2014 | 0.92 |
The correlation between FCIFX and SSFNX has been stable across timeframes, ranging from 0.91 to 0.93 - a consistent structural relationship.
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Return for Risk
FCIFX vs. SSFNX — Risk / Return Rank
FCIFX
SSFNX
FCIFX vs. SSFNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2010 Fund Class I (FCIFX) and State Street Target Retirement Fund (SSFNX). 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.
| FCIFX | SSFNX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.59 | ||
| Sortino ratioReturn per unit of downside risk | -0.87 | ||
| Omega ratioGain probability vs. loss probability | 1.49 | 1.62 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | 3.00 | 3.73 | -0.74 |
| Martin ratioReturn relative to average drawdown | 12.95 | 16.97 | -4.02 |
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
| FCIFX | SSFNX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.41 | 3.00 | -0.59 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.70 | -0.14 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.91 | 0.90 | +0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.57 | 0.84 | -0.27 |
Drawdowns
FCIFX vs. SSFNX - Drawdown Comparison
The maximum FCIFX drawdown since its inception was -38.09%, which is greater than SSFNX's maximum drawdown of -16.62%. Use the drawdown chart below to compare losses from any high point for FCIFX and SSFNX.
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Drawdown Indicators
| FCIFX | SSFNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -38.09% | -16.62% | -21.47% |
Max Drawdown (1Y)Largest decline over 1 year | -4.03% | -3.52% | -0.51% |
Max Drawdown (3Y)Largest decline over 3 years | -5.78% | -5.40% | -0.38% |
Max Drawdown (5Y)Largest decline over 5 years | -18.34% | -16.62% | -1.72% |
Max Drawdown (10Y)Largest decline over 10 years | -18.34% | -16.62% | -1.72% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -3.96% | -2.52% | -1.44% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.93% | 0.77% | +0.16% |
Volatility
FCIFX vs. SSFNX - Volatility Comparison
Fidelity Advisor Freedom 2010 Fund Class I (FCIFX) has a higher volatility of 1.99% compared to State Street Target Retirement Fund (SSFNX) at 1.41%. This indicates that FCIFX's price experiences larger fluctuations and is considered to be riskier than SSFNX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FCIFX | SSFNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.99% | 1.41% | +0.58% |
Volatility (6M)Calculated over the trailing 6-month period | 4.26% | 3.53% | +0.73% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.02% | 4.38% | +0.64% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.39% | 6.58% | -0.19% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.36% | 6.57% | -0.21% |
FCIFX vs. SSFNX - Expense Ratio Comparison
FCIFX has a 0.49% expense ratio, which is higher than SSFNX's 0.10% expense ratio.
Dividends
FCIFX vs. SSFNX - Dividend Comparison
FCIFX's dividend yield for the trailing twelve months is around 5.05%, more than SSFNX's 4.61% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FCIFX Fidelity Advisor Freedom 2010 Fund Class I | 5.05% | 5.15% | 2.72% | 2.62% | 7.32% | 9.05% | 6.04% | 5.98% | 9.07% | 6.67% | 4.58% | 4.02% |
SSFNX State Street Target Retirement Fund | 4.61% | 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
With a correlation of 0.93, FCIFX and SSFNX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
FCIFX has higher volatility (1.99%) compared to SSFNX (1.41%). In terms of maximum drawdown, FCIFX dropped -38.09% vs SSFNX's -16.62%.
SSFNX currently has the higher Sharpe Ratio (3.00 vs 2.41), 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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