FCIFX vs. VTTHX

Last updated Aug 1, 2026

FCIFX (Fidelity Advisor Freedom 2010 Fund Class I) and VTTHX (Vanguard Target Retirement 2035 Fund) are both Target Retirement Date funds. Over the past 10 years, FCIFX returned 5.41%/yr vs 9.30%/yr for VTTHX. Their correlation of 0.94 means they have usually moved in the same direction. FCIFX charges 0.49%/yr vs 0.08%/yr for VTTHX.

Performance

FCIFX vs. VTTHX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Advisor Freedom 2010 Fund Class I (FCIFX) and Vanguard Target Retirement 2035 Fund (VTTHX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FCIFX achieves a 3.83% return, which is significantly lower than VTTHX's 7.38% return. Over the past 10 years, FCIFX has underperformed VTTHX with an annualized return of 5.41%, while VTTHX has yielded a comparatively higher 9.30% annualized return.

FCIFX

• 1D: 0.78%
• 1M: -0.69%
• 6M: 2.38%
• YTD: 3.83%
• 1Y: 8.12%
• 3Y*: 7.80%
• 5Y*: 3.06%
• 10Y*: 5.41%
• ALL TIME*: 4.75%

VTTHX

• 1D: 1.41%
• 1M: -0.54%
• 6M: 4.96%
• YTD: 7.38%
• 1Y: 16.37%
• 3Y*: 13.45%
• 5Y*: 7.23%
• 10Y*: 9.30%
• ALL TIME*: 7.97%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
FCIFX Fidelity Advisor Freedom 2010 Fund Class I	$0.00	$0.00	$0.00
VTTHX Vanguard Target Retirement 2035 Fund	$0.00	$0.00	$0.00

FCIFX vs. VTTHX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FCIFX Fidelity Advisor Freedom 2010 Fund Class I	3.83%	11.27%	5.19%	9.55%	-13.19%	5.44%	10.90%	14.74%	-3.44%	12.26%
VTTHX Vanguard Target Retirement 2035 Fund	7.38%	17.55%	11.56%	17.37%	-16.64%	12.96%	14.80%	22.44%	-6.57%	16.81%

Correlation

The correlation between FCIFX and VTTHX is 0.92, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.92
Correlation (3Y) Balances recent behavior with more history.	0.85
Correlation (5Y) Shows whether the relationship held over a longer period.	0.87
Correlation (10Y) Provides a long-term view across more market conditions.	0.89
Correlation (All Time) Calculated using the full available price history since Oct 27, 2003	0.94

The correlation between FCIFX and VTTHX has been stable across timeframes, ranging from 0.85 to 0.94 - a consistent structural relationship.

Return for Risk

FCIFX vs. VTTHX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

FCIFX

FCIFX Risk / Return Rank: 58
FCIFX Sharpe Ratio Rank: 55
FCIFX Sortino Ratio Rank: 55
FCIFX Omega Ratio Rank: 60
FCIFX Calmar Ratio Rank: 57
FCIFX Martin Ratio Rank: 63

VTTHX

VTTHX Risk / Return Rank: 70
VTTHX Sharpe Ratio Rank: 69
VTTHX Sortino Ratio Rank: 67
VTTHX Omega Ratio Rank: 67
VTTHX Calmar Ratio Rank: 68
VTTHX Martin Ratio Rank: 76

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

FCIFX vs. VTTHX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2010 Fund Class I (FCIFX) and Vanguard Target Retirement 2035 Fund (VTTHX). 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.

	FCIFX	VTTHX	Difference
Sharpe ratio: Return per unit of total volatility	1.46	1.57	-0.10
Sortino ratio: Return per unit of downside risk	2.11	2.23	-0.12
Omega ratio: Gain probability vs. loss probability	1.28	1.29	0.00
Calmar ratio: Return relative to maximum drawdown	2.05	2.14	-0.09
Martin ratio: Return relative to average drawdown	8.23	8.86	-0.63

FCIFX vs. VTTHX - Sharpe Ratio Comparison

The current FCIFX Sharpe Ratio is 1.46, which is comparable to the VTTHX Sharpe Ratio of 1.57. The chart below compares the historical Sharpe Ratios of FCIFX and VTTHX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

FCIFX vs. VTTHX - Drawdown Comparison

The maximum FCIFX drawdown since its inception was -38.09%, smaller than the maximum VTTHX drawdown of -51.76%. Use the drawdown chart below to compare losses from any high point for FCIFX and VTTHX.

Drawdown Indicators

	FCIFX	VTTHX	Difference
Max Drawdown Largest peak-to-trough decline	-38.09%	-51.76%	+13.67%
Max Drawdown (1Y) Largest decline over 1 year	-4.03%	-7.17%	+3.14%
Max Drawdown (3Y) Largest decline over 3 years	-4.77%	-10.87%	+6.10%
Max Drawdown (5Y) Largest decline over 5 years	-18.34%	-23.53%	+5.19%
Max Drawdown (10Y) Largest decline over 10 years	-18.34%	-27.15%	+8.81%
Current Drawdown Current decline from peak	-1.28%	-1.61%	+0.33%
Average Drawdown Average peak-to-trough decline	-3.94%	-6.06%	+2.12%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.00%	1.73%	-0.73%

Volatility

FCIFX vs. VTTHX - Volatility Comparison

The current volatility for Fidelity Advisor Freedom 2010 Fund Class I (FCIFX) is 1.79%, while Vanguard Target Retirement 2035 Fund (VTTHX) has a volatility of 2.94%. This indicates that FCIFX experiences smaller price fluctuations and is considered to be less risky than VTTHX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FCIFX	VTTHX	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.79%	2.94%	-1.15%
Volatility (6M) Calculated over the trailing 6-month period	5.02%	8.25%	-3.23%
Volatility (1Y) Calculated over the trailing 1-year period	5.66%	9.80%	-4.14%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	6.51%	11.50%	-4.99%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	6.33%	12.41%	-6.08%

FCIFX vs. VTTHX - Expense Ratio Comparison

FCIFX has a 0.49% expense ratio, which is higher than VTTHX's 0.08% expense ratio.

Dividends

FCIFX vs. VTTHX - Dividend Comparison

FCIFX's dividend yield for the trailing twelve months is around 5.10%, more than VTTHX's 2.75% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FCIFX Fidelity Advisor Freedom 2010 Fund Class I	5.10%	5.15%	2.72%	2.62%	7.32%	9.05%	6.04%	5.98%	9.07%	6.67%	4.58%	4.02%
VTTHX Vanguard Target Retirement 2035 Fund	2.75%	2.96%	3.12%	2.47%	2.71%	19.52%	2.50%	2.33%	2.69%	0.16%	2.77%	4.67%

Frequently Asked Questions

Can I hold both FCIFX and VTTHX in my portfolio?

With a correlation of 0.92, FCIFX and VTTHX 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.

Which is riskier, FCIFX or VTTHX?

VTTHX has higher volatility (2.94%) compared to FCIFX (1.79%). In terms of maximum drawdown, FCIFX dropped -38.09% vs VTTHX's -51.76%.

Which has better risk-adjusted returns?

VTTHX currently has the higher Sharpe Ratio (1.57 vs 1.46), 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.