FCTHX vs. FXAIX
FCTHX (Fidelity Advisor Freedom 2035 Fund Class C) and FXAIX (Fidelity 500 Index Fund) are both mutual funds - FCTHX is a Target Retirement Date fund managed by Fidelity, while FXAIX is a S&P 500 fund tracking the S&P 500 Index. Over the past 10 years, FCTHX returned 9.58%/yr vs 15.58%/yr for FXAIX. Their correlation of 0.93 suggests significant overlap in exposure. FCTHX charges 1.71%/yr vs 0.02%/yr for FXAIX.
Performance
FCTHX vs. FXAIX - Performance Comparison
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Returns By Period
In the year-to-date period, FCTHX achieves a 9.35% return, which is significantly lower than FXAIX's 10.19% return. Over the past 10 years, FCTHX has underperformed FXAIX with an annualized return of 9.58%, while FXAIX has yielded a comparatively higher 15.58% annualized return.
FCTHX
- 1D
- 1.15%
- 1M
- 2.46%
- YTD
- 9.35%
- 6M
- 9.44%
- 1Y
- 20.85%
- 3Y*
- 14.11%
- 5Y*
- 6.69%
- 10Y*
- 9.58%
FXAIX
- 1D
- 1.09%
- 1M
- 0.47%
- YTD
- 10.19%
- 6M
- 9.68%
- 1Y
- 27.18%
- 3Y*
- 20.98%
- 5Y*
- 14.10%
- 10Y*
- 15.58%
FCTHX vs. FXAIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FCTHX Fidelity Advisor Freedom 2035 Fund Class C | 9.35% | 17.58% | 9.58% | 15.58% | -18.40% | 12.81% | 15.37% | 24.55% | -8.71% | 19.69% |
FXAIX Fidelity 500 Index Fund | 10.19% | 17.84% | 25.01% | 26.29% | -18.14% | 28.71% | 18.42% | 31.48% | -4.43% | 21.82% |
Correlation
The correlation between FCTHX and FXAIX is 0.92, 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 | 0.92 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.90 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.91 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since May 4, 2011 | 0.93 |
The correlation between FCTHX and FXAIX has been stable across timeframes, ranging from 0.90 to 0.93 - a consistent structural relationship.
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Return for Risk
FCTHX vs. FXAIX — Risk / Return Rank
FCTHX
FXAIX
FCTHX vs. FXAIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2035 Fund Class C (FCTHX) and Fidelity 500 Index Fund (FXAIX). 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.
| FCTHX | FXAIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.18 | ||
| Sortino ratioReturn per unit of downside risk | -0.13 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.39 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.69 | 3.04 | -0.35 |
| Martin ratioReturn relative to average drawdown | 11.35 | 13.75 | -2.40 |
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Drawdowns
FCTHX vs. FXAIX - Drawdown Comparison
The maximum FCTHX drawdown since its inception was -55.17%, which is greater than FXAIX's maximum drawdown of -33.79%. Use the drawdown chart below to compare losses from any high point for FCTHX and FXAIX.
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Drawdown Indicators
| FCTHX | FXAIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.17% | -33.79% | -21.38% |
Max Drawdown (1Y)Largest decline over 1 year | -7.69% | -8.89% | +1.20% |
Max Drawdown (3Y)Largest decline over 3 years | -11.50% | -18.76% | +7.26% |
Max Drawdown (5Y)Largest decline over 5 years | -26.56% | -24.50% | -2.06% |
Max Drawdown (10Y)Largest decline over 10 years | -29.25% | -33.79% | +4.54% |
Current DrawdownCurrent decline from peak | 0.00% | -1.36% | +1.36% |
Average DrawdownAverage peak-to-trough decline | -7.82% | -3.79% | -4.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.82% | 1.96% | -0.14% |
Volatility
FCTHX vs. FXAIX - Volatility Comparison
The current volatility for Fidelity Advisor Freedom 2035 Fund Class C (FCTHX) is 4.39%, while Fidelity 500 Index Fund (FXAIX) has a volatility of 4.77%. This indicates that FCTHX experiences smaller price fluctuations and is considered to be less risky than FXAIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FCTHX | FXAIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.39% | 4.77% | -0.38% |
Volatility (6M)Calculated over the trailing 6-month period | 8.89% | 9.91% | -1.02% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.39% | 12.47% | -2.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.51% | 17.01% | -4.50% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.69% | 18.11% | -4.42% |
FCTHX vs. FXAIX - Expense Ratio Comparison
FCTHX has a 1.71% expense ratio, which is higher than FXAIX's 0.02% expense ratio.
Dividends
FCTHX vs. FXAIX - Dividend Comparison
FCTHX's dividend yield for the trailing twelve months is around 7.23%, more than FXAIX's 1.04% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FCTHX Fidelity Advisor Freedom 2035 Fund Class C | 7.23% | 7.19% | 2.83% | 1.08% | 9.76% | 9.19% | 5.79% | 6.82% | 11.37% | 4.16% | 4.25% | 4.48% |
FXAIX Fidelity 500 Index Fund | 1.04% | 1.11% | 1.25% | 1.45% | 1.69% | 1.22% | 1.60% | 2.06% | 2.72% | 1.97% | 2.52% | 2.83% |
Frequently Asked Questions
With a correlation of 0.92, FCTHX and FXAIX 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.
FXAIX has higher volatility (4.77%) compared to FCTHX (4.39%). In terms of maximum drawdown, FCTHX dropped -55.17% vs FXAIX's -33.79%.
FXAIX currently has the higher Sharpe Ratio (2.17 vs 1.99), 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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