FFLDX vs. TTRIX
FFLDX (Fidelity Freedom Index 2055 Fund) and TTRIX (TIAA-CREF Lifecycle 2055 Fund) are both Target Retirement Date funds. Over the past 10 years, FFLDX returned 12.38%/yr vs 11.85%/yr for TTRIX. With a 0.98 correlation, they move nearly in lockstep. FFLDX charges 0.08%/yr vs 0.22%/yr for TTRIX.
Performance
FFLDX vs. TTRIX - Performance Comparison
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Returns By Period
In the year-to-date period, FFLDX achieves a 11.91% return, which is significantly higher than TTRIX's 9.70% return. Both investments have delivered pretty close results over the past 10 years, with FFLDX having a 12.38% annualized return and TTRIX not far behind at 11.85%.
FFLDX
- 1D
- -0.14%
- 1M
- 1.79%
- YTD
- 11.91%
- 6M
- 11.33%
- 1Y
- 26.85%
- 3Y*
- 19.03%
- 5Y*
- 10.11%
- 10Y*
- 12.38%
TTRIX
- 1D
- -0.05%
- 1M
- 2.12%
- YTD
- 9.70%
- 6M
- 9.08%
- 1Y
- 23.94%
- 3Y*
- 17.55%
- 5Y*
- 9.07%
- 10Y*
- 11.85%
FFLDX vs. TTRIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FFLDX Fidelity Freedom Index 2055 Fund | 11.91% | 21.48% | 14.18% | 19.93% | -17.32% | 15.93% | 16.52% | 26.02% | -7.16% | 20.57% |
TTRIX TIAA-CREF Lifecycle 2055 Fund | 9.70% | 18.93% | 14.46% | 20.24% | -17.79% | 16.55% | 17.51% | 26.37% | -9.93% | 20.90% |
Correlation
The correlation between FFLDX and TTRIX is 0.99 - 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 | 0.99 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.98 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.99 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.98 |
Correlation (All Time) Calculated using the full available price history since Jun 29, 2015 | 0.98 |
The correlation between FFLDX and TTRIX has been stable across timeframes, ranging from 0.98 to 0.99 - a consistent structural relationship.
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Return for Risk
FFLDX vs. TTRIX — Risk / Return Rank
FFLDX
TTRIX
FFLDX vs. TTRIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom Index 2055 Fund (FFLDX) and TIAA-CREF Lifecycle 2055 Fund (TTRIX). 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.
| FFLDX | TTRIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.24 | ||
| Sortino ratioReturn per unit of downside risk | +0.30 | ||
| Omega ratioGain probability vs. loss probability | 1.41 | 1.37 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 3.09 | 2.65 | +0.44 |
| Martin ratioReturn relative to average drawdown | 13.34 | 11.41 | +1.94 |
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Drawdowns
FFLDX vs. TTRIX - Drawdown Comparison
The maximum FFLDX drawdown since its inception was -30.72%, smaller than the maximum TTRIX drawdown of -32.75%. Use the drawdown chart below to compare losses from any high point for FFLDX and TTRIX.
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Drawdown Indicators
| FFLDX | TTRIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -30.72% | -32.75% | +2.03% |
Max Drawdown (1Y)Largest decline over 1 year | -9.06% | -9.43% | +0.37% |
Max Drawdown (3Y)Largest decline over 3 years | -14.74% | -15.81% | +1.07% |
Max Drawdown (5Y)Largest decline over 5 years | -26.18% | -25.87% | -0.31% |
Max Drawdown (10Y)Largest decline over 10 years | -30.72% | -32.75% | +2.03% |
Current DrawdownCurrent decline from peak | -0.63% | -0.14% | -0.49% |
Average DrawdownAverage peak-to-trough decline | -4.55% | -4.79% | +0.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.09% | 2.18% | -0.09% |
Volatility
FFLDX vs. TTRIX - Volatility Comparison
Fidelity Freedom Index 2055 Fund (FFLDX) has a higher volatility of 5.06% compared to TIAA-CREF Lifecycle 2055 Fund (TTRIX) at 4.78%. This indicates that FFLDX's price experiences larger fluctuations and is considered to be riskier than TTRIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FFLDX | TTRIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.06% | 4.78% | +0.28% |
Volatility (6M)Calculated over the trailing 6-month period | 10.45% | 10.29% | +0.16% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.51% | 12.54% | -0.03% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.56% | 14.97% | -0.41% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.22% | 16.23% | -1.01% |
FFLDX vs. TTRIX - Expense Ratio Comparison
FFLDX has a 0.08% expense ratio, which is lower than TTRIX's 0.22% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
FFLDX vs. TTRIX - Dividend Comparison
FFLDX's dividend yield for the trailing twelve months is around 1.72%, less than TTRIX's 5.94% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFLDX Fidelity Freedom Index 2055 Fund | 1.72% | 2.00% | 2.02% | 1.96% | 3.04% | 1.99% | 1.91% | 10.83% | 2.39% | 1.97% | 2.42% | 2.32% |
TTRIX TIAA-CREF Lifecycle 2055 Fund | 5.94% | 6.52% | 3.91% | 1.88% | 8.28% | 10.18% | 5.68% | 5.23% | 4.77% | 0.79% | 3.41% | 3.02% |
Frequently Asked Questions
With a correlation of 0.99, FFLDX and TTRIX 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.
FFLDX has higher volatility (5.06%) compared to TTRIX (4.78%). In terms of maximum drawdown, FFLDX dropped -30.72% vs TTRIX's -32.75%.
FFLDX currently has the higher Sharpe Ratio (2.24 vs 2.00), 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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