FFFAX vs. VTINX
FFFAX (Fidelity Freedom Income Fund) and VTINX (Vanguard Target Retirement Income Fund) are both Target Retirement Date funds. Over the past 10 years, FFFAX returned 4.57%/yr vs 5.31%/yr for VTINX. Their correlation of 0.91 suggests significant overlap in exposure. FFFAX charges 0.47%/yr vs 0.08%/yr for VTINX.
Performance
FFFAX vs. VTINX - Performance Comparison
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Returns By Period
In the year-to-date period, FFFAX achieves a 5.09% return, which is significantly higher than VTINX's 4.47% return. Over the past 10 years, FFFAX has underperformed VTINX with an annualized return of 4.57%, while VTINX has yielded a comparatively higher 5.31% annualized return.
FFFAX
- 1D
- 0.60%
- 1M
- 1.33%
- YTD
- 5.09%
- 6M
- 5.22%
- 1Y
- 11.22%
- 3Y*
- 7.89%
- 5Y*
- 3.29%
- 10Y*
- 4.57%
VTINX
- 1D
- 0.49%
- 1M
- 0.98%
- YTD
- 4.47%
- 6M
- 4.54%
- 1Y
- 11.60%
- 3Y*
- 9.10%
- 5Y*
- 4.22%
- 10Y*
- 5.31%
FFFAX vs. VTINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FFFAX Fidelity Freedom Income Fund | 5.09% | 10.42% | 4.34% | 8.18% | -11.33% | 3.12% | 8.93% | 10.74% | -1.99% | 8.21% |
VTINX Vanguard Target Retirement Income Fund | 4.47% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
Correlation
The correlation between FFFAX and VTINX is 0.94, 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 | 0.94 |
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 | 0.90 |
Correlation (All Time) Calculated using the full available price history since Oct 27, 2003 | 0.91 |
The correlation between FFFAX and VTINX has been stable across timeframes, ranging from 0.90 to 0.94 - a consistent structural relationship.
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Return for Risk
FFFAX vs. VTINX — Risk / Return Rank
FFFAX
VTINX
FFFAX vs. VTINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom Income Fund (FFFAX) and Vanguard Target Retirement Income Fund (VTINX). 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.
| FFFAX | VTINX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.05 | ||
| Sortino ratioReturn per unit of downside risk | +0.06 | ||
| Omega ratioGain probability vs. loss probability | 1.47 | 1.44 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 3.06 | 2.77 | +0.29 |
| Martin ratioReturn relative to average drawdown | 13.16 | 11.98 | +1.18 |
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Drawdowns
FFFAX vs. VTINX - Drawdown Comparison
The maximum FFFAX drawdown since its inception was -17.96%, smaller than the maximum VTINX drawdown of -19.96%. Use the drawdown chart below to compare losses from any high point for FFFAX and VTINX.
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Drawdown Indicators
| FFFAX | VTINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.96% | -19.96% | +2.00% |
Max Drawdown (1Y)Largest decline over 1 year | -3.68% | -4.14% | +0.46% |
Max Drawdown (3Y)Largest decline over 3 years | -4.91% | -5.26% | +0.35% |
Max Drawdown (5Y)Largest decline over 5 years | -15.87% | -17.02% | +1.15% |
Max Drawdown (10Y)Largest decline over 10 years | -15.87% | -17.02% | +1.15% |
Current DrawdownCurrent decline from peak | -0.00% | -0.21% | +0.21% |
Average DrawdownAverage peak-to-trough decline | -1.79% | -2.20% | +0.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.85% | 0.96% | -0.11% |
Volatility
FFFAX vs. VTINX - Volatility Comparison
Fidelity Freedom Income Fund (FFFAX) has a higher volatility of 2.35% compared to Vanguard Target Retirement Income Fund (VTINX) at 2.18%. This indicates that FFFAX's price experiences larger fluctuations and is considered to be riskier than VTINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FFFAX | VTINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.35% | 2.18% | +0.17% |
Volatility (6M)Calculated over the trailing 6-month period | 4.35% | 4.40% | -0.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.97% | 5.18% | -0.21% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.45% | 6.12% | -0.67% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.68% | 5.76% | -1.08% |
FFFAX vs. VTINX - Expense Ratio Comparison
FFFAX has a 0.47% expense ratio, which is higher than VTINX's 0.08% expense ratio.
Dividends
FFFAX vs. VTINX - Dividend Comparison
FFFAX's dividend yield for the trailing twelve months is around 2.94%, less than VTINX's 4.81% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFFAX Fidelity Freedom Income Fund | 2.94% | 3.29% | 3.13% | 2.92% | 5.89% | 6.12% | 4.37% | 3.65% | 5.17% | 3.74% | 3.21% | 3.28% |
VTINX Vanguard Target Retirement Income Fund | 4.81% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
Frequently Asked Questions
With a correlation of 0.94, FFFAX and VTINX 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.
FFFAX has higher volatility (2.35%) compared to VTINX (2.18%). In terms of maximum drawdown, FFFAX dropped -17.96% vs VTINX's -19.96%.
FFFAX currently has the higher Sharpe Ratio (2.27 vs 2.22), 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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