FCTHX vs. LTSTX
FCTHX (Fidelity Advisor Freedom 2035 Fund Class C) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, FCTHX returned 9.58%/yr vs 8.09%/yr for LTSTX. With a 0.97 correlation, they move nearly in lockstep. FCTHX charges 1.71%/yr vs 0.01%/yr for LTSTX.
Performance
FCTHX vs. LTSTX - Performance Comparison
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Returns By Period
In the year-to-date period, FCTHX achieves a 9.35% return, which is significantly higher than LTSTX's 4.92% return. Over the past 10 years, FCTHX has outperformed LTSTX with an annualized return of 9.58%, while LTSTX has yielded a comparatively lower 8.09% 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%
LTSTX
- 1D
- 0.70%
- 1M
- 1.14%
- YTD
- 4.92%
- 6M
- 4.88%
- 1Y
- 13.15%
- 3Y*
- 11.63%
- 5Y*
- 5.71%
- 10Y*
- 8.09%
FCTHX vs. LTSTX - 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% |
LTSTX Principal LifeTime 2025 Fund | 4.92% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
Correlation
The correlation between FCTHX and LTSTX is 0.96 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.96 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.96 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.97 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since Feb 29, 2008 | 0.97 |
The correlation between FCTHX and LTSTX has been stable across timeframes, ranging from 0.96 to 0.97 - a consistent structural relationship.
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Return for Risk
FCTHX vs. LTSTX — Risk / Return Rank
FCTHX
LTSTX
FCTHX vs. LTSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2035 Fund Class C (FCTHX) and Principal LifeTime 2025 Fund (LTSTX). 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 | LTSTX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.13 | ||
| Sortino ratioReturn per unit of downside risk | +0.14 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.36 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.69 | 2.50 | +0.19 |
| Martin ratioReturn relative to average drawdown | 11.35 | 11.09 | +0.26 |
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Drawdowns
FCTHX vs. LTSTX - Drawdown Comparison
The maximum FCTHX drawdown since its inception was -55.17%, which is greater than LTSTX's maximum drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for FCTHX and LTSTX.
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Drawdown Indicators
| FCTHX | LTSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.17% | -48.17% | -7.00% |
Max Drawdown (1Y)Largest decline over 1 year | -7.69% | -5.24% | -2.45% |
Max Drawdown (3Y)Largest decline over 3 years | -11.50% | -8.12% | -3.38% |
Max Drawdown (5Y)Largest decline over 5 years | -26.56% | -21.01% | -5.55% |
Max Drawdown (10Y)Largest decline over 10 years | -29.25% | -23.33% | -5.92% |
Current DrawdownCurrent decline from peak | 0.00% | -0.26% | +0.26% |
Average DrawdownAverage peak-to-trough decline | -7.82% | -6.14% | -1.68% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.82% | 1.18% | +0.64% |
Volatility
FCTHX vs. LTSTX - Volatility Comparison
Fidelity Advisor Freedom 2035 Fund Class C (FCTHX) has a higher volatility of 4.39% compared to Principal LifeTime 2025 Fund (LTSTX) at 2.81%. This indicates that FCTHX's price experiences larger fluctuations and is considered to be riskier than LTSTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FCTHX | LTSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.39% | 2.81% | +1.58% |
Volatility (6M)Calculated over the trailing 6-month period | 8.89% | 5.88% | +3.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.39% | 7.03% | +3.36% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.51% | 9.23% | +3.28% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.69% | 9.84% | +3.85% |
FCTHX vs. LTSTX - Expense Ratio Comparison
FCTHX has a 1.71% expense ratio, which is higher than LTSTX's 0.01% expense ratio.
Dividends
FCTHX vs. LTSTX - Dividend Comparison
FCTHX's dividend yield for the trailing twelve months is around 7.23%, less than LTSTX's 11.62% 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% |
LTSTX Principal LifeTime 2025 Fund | 11.62% | 12.19% | 9.74% | 4.26% | 8.00% | 7.66% | 5.25% | 6.91% | 6.39% | 4.75% | 3.65% | 8.91% |
Frequently Asked Questions
With a correlation of 0.96, FCTHX and LTSTX 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.
FCTHX has higher volatility (4.39%) compared to LTSTX (2.81%). In terms of maximum drawdown, FCTHX dropped -55.17% vs LTSTX's -48.17%.
FCTHX currently has the higher Sharpe Ratio (1.99 vs 1.86), 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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