FFGZX vs. LTIUX
FFGZX (Fidelity Freedom Index Income Fund Institutional Premium Class) and LTIUX (Principal LifeTime 2035 Fund) are both Target Retirement Date funds. Over the past 10 years, FFGZX returned 4.28%/yr vs 9.59%/yr for LTIUX. A 0.76 correlation means they provide meaningful diversification when combined. FFGZX charges 0.08%/yr vs 0.01%/yr for LTIUX.
Performance
FFGZX vs. LTIUX - Performance Comparison
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Returns By Period
In the year-to-date period, FFGZX achieves a 4.28% return, which is significantly lower than LTIUX's 6.70% return. Over the past 10 years, FFGZX has underperformed LTIUX with an annualized return of 4.28%, while LTIUX has yielded a comparatively higher 9.59% annualized return.
FFGZX
- 1D
- 0.16%
- 1M
- 1.75%
- YTD
- 4.28%
- 6M
- 4.42%
- 1Y
- 10.55%
- 3Y*
- 7.68%
- 5Y*
- 3.28%
- 10Y*
- 4.28%
LTIUX
- 1D
- 0.28%
- 1M
- 3.36%
- YTD
- 6.70%
- 6M
- 6.91%
- 1Y
- 17.03%
- 3Y*
- 14.87%
- 5Y*
- 7.01%
- 10Y*
- 9.59%
FFGZX vs. LTIUX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FFGZX Fidelity Freedom Index Income Fund Institutional Premium Class | 4.28% | 9.13% | 5.02% | 8.32% | -11.07% | 2.85% | 8.59% | 10.68% | -0.80% | 6.73% |
LTIUX Principal LifeTime 2035 Fund | 6.70% | 14.26% | 14.13% | 16.51% | -17.48% | 14.07% | 15.70% | 23.48% | -7.37% | 19.69% |
Correlation
The correlation between FFGZX and LTIUX is 0.84, 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 | 0.84 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.80 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.75 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.75 |
Correlation (All Time) Calculated using the full available price history since Jun 30, 2015 | 0.76 |
The correlation between FFGZX and LTIUX has been stable across timeframes, ranging from 0.75 to 0.84 - a consistent structural relationship.
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Return for Risk
FFGZX vs. LTIUX — Risk / Return Rank
FFGZX
LTIUX
FFGZX vs. LTIUX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom Index Income Fund Institutional Premium Class (FFGZX) and Principal LifeTime 2035 Fund (LTIUX). 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.
| FFGZX | LTIUX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.62 | ||
| Sortino ratioReturn per unit of downside risk | +1.06 | ||
| Omega ratioGain probability vs. loss probability | 1.54 | 1.38 | +0.16 |
| Calmar ratioReturn relative to maximum drawdown | 3.18 | 2.66 | +0.52 |
| Martin ratioReturn relative to average drawdown | 14.23 | 11.84 | +2.39 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| FFGZX | LTIUX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.64 | 2.03 | +0.62 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.65 | 0.60 | +0.05 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.97 | 0.77 | +0.20 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.93 | 0.48 | +0.45 |
Drawdowns
FFGZX vs. LTIUX - Drawdown Comparison
The maximum FFGZX drawdown since its inception was -14.94%, smaller than the maximum LTIUX drawdown of -49.65%. Use the drawdown chart below to compare losses from any high point for FFGZX and LTIUX.
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Drawdown Indicators
| FFGZX | LTIUX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.94% | -49.65% | +34.71% |
Max Drawdown (1Y)Largest decline over 1 year | -3.33% | -6.57% | +3.24% |
Max Drawdown (3Y)Largest decline over 3 years | -4.76% | -11.08% | +6.32% |
Max Drawdown (5Y)Largest decline over 5 years | -14.94% | -24.23% | +9.29% |
Max Drawdown (10Y)Largest decline over 10 years | -14.94% | -28.12% | +13.18% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -2.26% | -6.71% | +4.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.74% | 1.47% | -0.73% |
Volatility
FFGZX vs. LTIUX - Volatility Comparison
The current volatility for Fidelity Freedom Index Income Fund Institutional Premium Class (FFGZX) is 1.49%, while Principal LifeTime 2035 Fund (LTIUX) has a volatility of 2.62%. This indicates that FFGZX experiences smaller price fluctuations and is considered to be less risky than LTIUX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FFGZX | LTIUX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.49% | 2.62% | -1.13% |
Volatility (6M)Calculated over the trailing 6-month period | 3.34% | 6.96% | -3.62% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.01% | 8.62% | -4.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.08% | 11.83% | -6.75% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.43% | 12.49% | -8.06% |
FFGZX vs. LTIUX - Expense Ratio Comparison
FFGZX has a 0.08% expense ratio, which is higher than LTIUX's 0.01% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
FFGZX vs. LTIUX - Dividend Comparison
FFGZX's dividend yield for the trailing twelve months is around 3.21%, less than LTIUX's 8.46% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFGZX Fidelity Freedom Index Income Fund Institutional Premium Class | 3.21% | 3.30% | 3.18% | 2.88% | 3.11% | 2.10% | 2.22% | 7.35% | 3.00% | 1.95% | 1.56% | 1.06% |
LTIUX Principal LifeTime 2035 Fund | 8.46% | 9.03% | 9.46% | 4.17% | 7.50% | 7.06% | 5.35% | 7.28% | 7.75% | 5.46% | 4.28% | 5.59% |
Frequently Asked Questions
FFGZX and LTIUX have a correlation of 0.84, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LTIUX has higher volatility (2.62%) compared to FFGZX (1.49%). In terms of maximum drawdown, FFGZX dropped -14.94% vs LTIUX's -49.65%.
FFGZX currently has the higher Sharpe Ratio (2.64 vs 2.03), 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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