FFFCX vs. VTI

Last updated Jun 23, 2026

FFFCX (Fidelity Freedom 2010 Fund) and VTI (Vanguard Total Stock Market ETF) are both funds - FFFCX is a Target Retirement Date fund managed by Fidelity, while VTI is a Large Cap Blend Equities fund tracking the CRSP US Total Market Index. Over the past 10 years, FFFCX returned 5.89%/yr vs 15.31%/yr for VTI. Their correlation of 0.89 suggests significant overlap in exposure. FFFCX charges 0.49%/yr vs 0.03%/yr for VTI.

Performance

FFFCX vs. VTI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Freedom 2010 Fund (FFFCX) and Vanguard Total Stock Market ETF (VTI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FFFCX achieves a 5.54% return, which is significantly lower than VTI's 10.35% return. Over the past 10 years, FFFCX has underperformed VTI with an annualized return of 5.89%, while VTI has yielded a comparatively higher 15.31% annualized return.

FFFCX

• 1D: 0.65%
• 1M: 1.38%
• YTD: 5.54%
• 6M: 5.67%
• 1Y: 12.35%
• 3Y*: 8.79%
• 5Y*: 3.78%
• 10Y*: 5.89%

VTI

• 1D: -0.32%
• 1M: 0.55%
• YTD: 10.35%
• 6M: 9.59%
• 1Y: 27.18%
• 3Y*: 21.19%
• 5Y*: 12.36%
• 10Y*: 15.31%

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

FFFCX vs. VTI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FFFCX Fidelity Freedom 2010 Fund	5.54%	11.39%	5.26%	9.82%	-13.21%	5.64%	11.09%	14.34%	-3.74%	12.48%
VTI Vanguard Total Stock Market ETF	10.35%	17.10%	23.81%	26.05%	-19.52%	25.68%	21.08%	30.67%	-5.23%	21.21%

Correlation

The correlation between FFFCX and VTI is 0.82, 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	0.82
Correlation (3Y) Calculated over the trailing 3-year period	0.74
Correlation (5Y) Calculated over the trailing 5-year period	0.75
Correlation (10Y) Calculated over the trailing 10-year period	0.80
Correlation (All Time) Calculated using the full available price history since May 31, 2001	0.89

The correlation between FFFCX and VTI shifts across timeframes, from 0.74 (3 years) to 0.89 (all time), reflecting how their relationship changes across market environments.

Return for Risk

FFFCX vs. VTI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FFFCX

FFFCX Risk / Return Rank: 75
FFFCX Sharpe Ratio Rank: 75
FFFCX Sortino Ratio Rank: 76
FFFCX Omega Ratio Rank: 79
FFFCX Calmar Ratio Rank: 71
FFFCX Martin Ratio Rank: 75

VTI

VTI Risk / Return Rank: 68
VTI Sharpe Ratio Rank: 68
VTI Sortino Ratio Rank: 66
VTI Omega Ratio Rank: 67
VTI Calmar Ratio Rank: 64
VTI Martin Ratio Rank: 74

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FFFCX vs. VTI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom 2010 Fund (FFFCX) and Vanguard Total Stock Market ETF (VTI). 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.

	FFFCX	VTI	Difference
Sharpe ratio: Return per unit of total volatility	2.31	2.14	+0.17
Sortino ratio: Return per unit of downside risk	3.31	2.90	+0.42
Omega ratio: Gain probability vs. loss probability	1.47	1.38	+0.09
Calmar ratio: Return relative to maximum drawdown	3.10	3.06	+0.04
Martin ratio: Return relative to average drawdown	13.23	13.68	-0.45

FFFCX vs. VTI - Sharpe Ratio Comparison

The current FFFCX Sharpe Ratio is 2.31, which is comparable to the VTI Sharpe Ratio of 2.14. The chart below compares the historical Sharpe Ratios of FFFCX and VTI, 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

FFFCX vs. VTI - Drawdown Comparison

The maximum FFFCX drawdown since its inception was -36.88%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for FFFCX and VTI.

Drawdown Indicators

	FFFCX	VTI	Difference
Max Drawdown Largest peak-to-trough decline	-36.88%	-55.45%	+18.57%
Max Drawdown (1Y) Largest decline over 1 year	-4.00%	-8.92%	+4.92%
Max Drawdown (3Y) Largest decline over 3 years	-5.83%	-19.30%	+13.47%
Max Drawdown (5Y) Largest decline over 5 years	-18.35%	-25.36%	+7.01%
Max Drawdown (10Y) Largest decline over 10 years	-18.35%	-35.00%	+16.65%
Current Drawdown Current decline from peak	0.00%	-1.48%	+1.48%
Average Drawdown Average peak-to-trough decline	-4.57%	-8.01%	+3.44%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.94%	1.99%	-1.05%

Volatility

FFFCX vs. VTI - Volatility Comparison

The current volatility for Fidelity Freedom 2010 Fund (FFFCX) is 2.44%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 4.74%. This indicates that FFFCX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FFFCX	VTI	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.44%	4.74%	-2.30%
Volatility (6M) Calculated over the trailing 6-month period	4.63%	9.96%	-5.33%
Volatility (1Y) Calculated over the trailing 1-year period	5.36%	12.76%	-7.40%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	6.45%	17.49%	-11.04%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	6.32%	18.35%	-12.03%

FFFCX vs. VTI - Expense Ratio Comparison

FFFCX has a 0.49% expense ratio, which is higher than VTI's 0.03% expense ratio.

Dividends

FFFCX vs. VTI - Dividend Comparison

FFFCX's dividend yield for the trailing twelve months is around 4.65%, more than VTI's 1.02% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FFFCX Fidelity Freedom 2010 Fund	4.65%	4.97%	2.99%	2.72%	7.23%	9.33%	6.01%	5.78%	6.98%	4.82%	3.22%	3.68%
VTI Vanguard Total Stock Market ETF	1.02%	1.12%	1.27%	1.44%	1.66%	1.21%	1.42%	1.78%	2.04%	1.71%	1.92%	1.98%

Frequently Asked Questions

Can I hold both FFFCX and VTI in my portfolio?

FFFCX and VTI have a correlation of 0.82, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FFFCX or VTI?

VTI has higher volatility (4.74%) compared to FFFCX (2.44%). In terms of maximum drawdown, FFFCX dropped -36.88% vs VTI's -55.45%.

Which has better risk-adjusted returns?

FFFCX currently has the higher Sharpe Ratio (2.31 vs 2.14), 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.