FFSDX vs. FTIHX

Last updated Aug 4, 2026

FFSDX (Fidelity Freedom 2065 Fund Class K) and FTIHX (Fidelity Total International Index Fund) are both mutual funds - FFSDX is a Target Retirement Date fund managed by Fidelity, while FTIHX is a Foreign Large Cap Equities fund tracking the MSCI ACWI (All Country World Index) ex USA Investable Market Index. Over the past 5 years, FFSDX returned 10.17%/yr vs 8.77%/yr for FTIHX. Their correlation of 0.92 means they have usually moved in the same direction. FFSDX charges 0.65%/yr vs 0.06%/yr for FTIHX.

Performance

FFSDX vs. FTIHX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Freedom 2065 Fund Class K (FFSDX) and Fidelity Total International Index Fund (FTIHX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both investments are quite close, with FFSDX having a 12.69% return and FTIHX slightly higher at 12.93%.

FFSDX

• 1D: 0.53%
• 1M: -0.64%
• 6M: 7.95%
• YTD: 12.69%
• 1Y: 25.31%
• 3Y*: 18.38%
• 5Y*: 10.17%
• 10Y*: —
• ALL TIME*: 12.90%

FTIHX

• 1D: -0.05%
• 1M: 0.10%
• 6M: 6.54%
• YTD: 12.93%
• 1Y: 27.68%
• 3Y*: 17.25%
• 5Y*: 8.77%
• 10Y*: 9.23%
• ALL TIME*: 9.71%

*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)
FFSDX Fidelity Freedom 2065 Fund Class K	$0.00	$0.00	$0.00
FTIHX Fidelity Total International Index Fund	$0.00	$0.00	$0.00

FFSDX vs. FTIHX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
FFSDX Fidelity Freedom 2065 Fund Class K	12.69%	23.80%	14.16%	20.69%	-18.22%	16.59%	18.26%	9.09%
FTIHX Fidelity Total International Index Fund	12.93%	32.59%	4.98%	15.49%	-16.29%	8.45%	11.09%	7.66%

Correlation

The correlation between FFSDX and FTIHX is 0.95, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.95
Correlation (3Y) Balances recent behavior with more history.	0.90
Correlation (5Y) Shows whether the relationship held over a longer period.	0.92
Correlation (All Time) Calculated using the full available price history since Jun 28, 2019	0.92

The correlation between FFSDX and FTIHX has been stable across timeframes, ranging from 0.90 to 0.95 - a consistent structural relationship.

Return for Risk

FFSDX vs. FTIHX — Risk / Return Rank

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

FFSDX

FFSDX Risk / Return Rank: 69
FFSDX Sharpe Ratio Rank: 67
FFSDX Sortino Ratio Rank: 63
FFSDX Omega Ratio Rank: 65
FFSDX Calmar Ratio Rank: 72
FFSDX Martin Ratio Rank: 80

FTIHX

FTIHX Risk / Return Rank: 70
FTIHX Sharpe Ratio Rank: 70
FTIHX Sortino Ratio Rank: 66
FTIHX Omega Ratio Rank: 70
FTIHX Calmar Ratio Rank: 72
FTIHX Martin Ratio Rank: 70

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.

FFSDX vs. FTIHX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom 2065 Fund Class K (FFSDX) and Fidelity Total International Index Fund (FTIHX). 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.

	FFSDX	FTIHX	Difference
Sharpe ratio: Return per unit of total volatility	1.66	1.71	-0.05
Sortino ratio: Return per unit of downside risk	2.33	2.36	-0.03
Omega ratio: Gain probability vs. loss probability	1.30	1.32	-0.01
Calmar ratio: Return relative to maximum drawdown	2.45	2.44	+0.01
Martin ratio: Return relative to average drawdown	10.25	9.10	+1.14

FFSDX vs. FTIHX - Sharpe Ratio Comparison

The current FFSDX Sharpe Ratio is 1.66, which is comparable to the FTIHX Sharpe Ratio of 1.71. The chart below compares the historical Sharpe Ratios of FFSDX and FTIHX, 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

FFSDX vs. FTIHX - Drawdown Comparison

The maximum FFSDX drawdown since its inception was -31.03%, smaller than the maximum FTIHX drawdown of -35.75%. Use the drawdown chart below to compare losses from any high point for FFSDX and FTIHX.

Drawdown Indicators

	FFSDX	FTIHX	Difference
Max Drawdown Largest peak-to-trough decline	-31.03%	-35.75%	+4.72%
Max Drawdown (1Y) Largest decline over 1 year	-9.80%	-11.25%	+1.45%
Max Drawdown (3Y) Largest decline over 3 years	-15.40%	-13.15%	-2.25%
Max Drawdown (5Y) Largest decline over 5 years	-27.29%	-29.99%	+2.70%
Max Drawdown (10Y) Largest decline over 10 years	—	-35.75%	—
Current Drawdown Current decline from peak	-2.00%	-2.40%	+0.40%
Average Drawdown Average peak-to-trough decline	-5.78%	-7.14%	+1.36%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.34%	3.01%	-0.67%

Volatility

FFSDX vs. FTIHX - Volatility Comparison

The current volatility for Fidelity Freedom 2065 Fund Class K (FFSDX) is 4.34%, while Fidelity Total International Index Fund (FTIHX) has a volatility of 5.18%. This indicates that FFSDX experiences smaller price fluctuations and is considered to be less risky than FTIHX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FFSDX	FTIHX	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.34%	5.18%	-0.84%
Volatility (6M) Calculated over the trailing 6-month period	12.45%	14.23%	-1.78%
Volatility (1Y) Calculated over the trailing 1-year period	14.46%	16.06%	-1.60%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.30%	15.59%	-0.29%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	17.06%	15.96%	+1.10%

FFSDX vs. FTIHX - Expense Ratio Comparison

FFSDX has a 0.65% expense ratio, which is higher than FTIHX's 0.06% expense ratio.

Dividends

FFSDX vs. FTIHX - Dividend Comparison

FFSDX's dividend yield for the trailing twelve months is around 4.96%, more than FTIHX's 2.46% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
FFSDX Fidelity Freedom 2065 Fund Class K	4.96%	3.68%	2.75%	2.15%	8.83%	7.86%	2.31%	1.49%	0.00%	0.00%	0.00%
FTIHX Fidelity Total International Index Fund	2.46%	2.78%	2.88%	2.78%	2.51%	2.55%	1.62%	2.61%	2.21%	0.45%	0.47%

Frequently Asked Questions

Can I hold both FFSDX and FTIHX in my portfolio?

With a correlation of 0.95, FFSDX and FTIHX 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, FFSDX or FTIHX?

FTIHX has higher volatility (5.18%) compared to FFSDX (4.34%). In terms of maximum drawdown, FFSDX dropped -31.03% vs FTIHX's -35.75%.

Which has better risk-adjusted returns?

FTIHX currently has the higher Sharpe Ratio (1.71 vs 1.66), 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.