FFFLX vs. LTSTX

Last updated Aug 4, 2026

FFFLX (Fidelity Advisor Freedom 2050 Fund Class A) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, FFFLX returned 11.44%/yr vs 7.81%/yr for LTSTX. Their 0.96 correlation means they have historically moved very closely together. FFFLX charges 1.00%/yr vs 0.01%/yr for LTSTX.

Performance

FFFLX vs. LTSTX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Advisor Freedom 2050 Fund Class A (FFFLX) and Principal LifeTime 2025 Fund (LTSTX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FFFLX achieves a 10.93% return, which is significantly higher than LTSTX's 4.65% return. Over the past 10 years, FFFLX has outperformed LTSTX with an annualized return of 11.44%, while LTSTX has yielded a comparatively lower 7.81% annualized return.

FFFLX

• 1D: 0.55%
• 1M: -0.67%
• 6M: 6.72%
• YTD: 10.93%
• 1Y: 22.00%
• 3Y*: 17.12%
• 5Y*: 9.09%
• 10Y*: 11.44%
• ALL TIME*: 7.66%

LTSTX

• 1D: 0.17%
• 1M: 0.00%
• 6M: 2.78%
• YTD: 4.65%
• 1Y: 10.25%
• 3Y*: 10.98%
• 5Y*: 5.19%
• 10Y*: 7.81%
• ALL TIME*: 6.36%

*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)
FFFLX Fidelity Advisor Freedom 2050 Fund Class A	$0.00	$0.00	$0.00
LTSTX Principal LifeTime 2025 Fund	$0.00	$0.00	$0.00

FFFLX vs. LTSTX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FFFLX Fidelity Advisor Freedom 2050 Fund Class A	10.93%	22.73%	13.41%	18.92%	-18.34%	15.79%	17.25%	26.29%	-8.46%	21.36%
LTSTX Principal LifeTime 2025 Fund	4.65%	12.16%	11.91%	13.30%	-15.23%	10.91%	13.70%	20.50%	-6.41%	16.75%

Correlation

The correlation between FFFLX and LTSTX is 0.95 - they have historically moved very closely together. At this level, their price movements offset little of one another.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.95
Correlation (3Y) Balances recent behavior with more history.	0.94
Correlation (5Y) Shows whether the relationship held over a longer period.	0.95
Correlation (10Y) Provides a long-term view across more market conditions.	0.95
Correlation (All Time) Calculated using the full available price history since Feb 29, 2008	0.96

The correlation between FFFLX and LTSTX has been stable across timeframes, ranging from 0.94 to 0.96 - a consistent structural relationship.

Return for Risk

FFFLX vs. LTSTX — Risk / Return Rank

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

FFFLX

FFFLX Risk / Return Rank: 53
FFFLX Sharpe Ratio Rank: 49
FFFLX Sortino Ratio Rank: 47
FFFLX Omega Ratio Rank: 48
FFFLX Calmar Ratio Rank: 55
FFFLX Martin Ratio Rank: 64

LTSTX

LTSTX Risk / Return Rank: 48
LTSTX Sharpe Ratio Rank: 45
LTSTX Sortino Ratio Rank: 45
LTSTX Omega Ratio Rank: 46
LTSTX Calmar Ratio Rank: 46
LTSTX Martin Ratio Rank: 59

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.

FFFLX vs. LTSTX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2050 Fund Class A (FFFLX) 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.

	FFFLX	LTSTX	Difference
Sharpe ratio: Return per unit of total volatility	1.45	1.40	+0.06
Sortino ratio: Return per unit of downside risk	2.05	2.01	+0.04
Omega ratio: Gain probability vs. loss probability	1.27	1.26	+0.01
Calmar ratio: Return relative to maximum drawdown	2.12	1.91	+0.21
Martin ratio: Return relative to average drawdown	8.70	8.26	+0.44

FFFLX vs. LTSTX - Sharpe Ratio Comparison

The current FFFLX Sharpe Ratio is 1.45, which is comparable to the LTSTX Sharpe Ratio of 1.40. The chart below compares the historical Sharpe Ratios of FFFLX and LTSTX, 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

FFFLX vs. LTSTX - Drawdown Comparison

The maximum FFFLX drawdown since its inception was -58.29%, which is greater than LTSTX's maximum drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for FFFLX and LTSTX.

Drawdown Indicators

	FFFLX	LTSTX	Difference
Max Drawdown Largest peak-to-trough decline	-58.29%	-48.17%	-10.12%
Max Drawdown (1Y) Largest decline over 1 year	-9.79%	-5.24%	-4.55%
Max Drawdown (3Y) Largest decline over 3 years	-15.15%	-8.12%	-7.03%
Max Drawdown (5Y) Largest decline over 5 years	-27.47%	-21.01%	-6.46%
Max Drawdown (10Y) Largest decline over 10 years	-31.22%	-23.33%	-7.89%
Current Drawdown Current decline from peak	-1.98%	-0.61%	-1.37%
Average Drawdown Average peak-to-trough decline	-9.06%	-6.11%	-2.95%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.38%	1.21%	+1.17%

Volatility

FFFLX vs. LTSTX - Volatility Comparison

Fidelity Advisor Freedom 2050 Fund Class A (FFFLX) has a higher volatility of 4.38% compared to Principal LifeTime 2025 Fund (LTSTX) at 1.91%. This indicates that FFFLX'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.

Volatility by Period

	FFFLX	LTSTX	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.38%	1.91%	+2.47%
Volatility (6M) Calculated over the trailing 6-month period	12.32%	5.99%	+6.33%
Volatility (1Y) Calculated over the trailing 1-year period	14.29%	7.18%	+7.11%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.22%	9.23%	+5.99%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.51%	9.76%	+5.75%

FFFLX vs. LTSTX - Expense Ratio Comparison

FFFLX has a 1.00% expense ratio, which is higher than LTSTX's 0.01% expense ratio.

Dividends

FFFLX vs. LTSTX - Dividend Comparison

FFFLX's dividend yield for the trailing twelve months is around 6.65%, less than LTSTX's 11.65% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FFFLX Fidelity Advisor Freedom 2050 Fund Class A	6.65%	5.87%	1.42%	1.25%	10.58%	9.34%	5.18%	6.72%	11.39%	4.24%	4.52%	3.69%
LTSTX Principal LifeTime 2025 Fund	11.65%	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

Can I hold both FFFLX and LTSTX in my portfolio?

With a correlation of 0.95, FFFLX 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.

Which is riskier, FFFLX or LTSTX?

FFFLX has higher volatility (4.38%) compared to LTSTX (1.91%). In terms of maximum drawdown, FFFLX dropped -58.29% vs LTSTX's -48.17%.

Which has better risk-adjusted returns?

FFFLX currently has the higher Sharpe Ratio (1.45 vs 1.40), 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.