FFTWX vs. URFRX
FFTWX (Fidelity Freedom 2025 Fund) and URFRX (USAA Target Retirement 2040 Fund) are both Target Retirement Date funds. Over the past 10 years, FFTWX returned 7.93%/yr vs 9.25%/yr for URFRX. Their 0.96 correlation means they have historically moved very closely together. FFTWX charges 0.58%/yr vs 0.02%/yr for URFRX.
Performance
FFTWX vs. URFRX - Performance Comparison
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Returns By Period
In the year-to-date period, FFTWX achieves a 7.63% return, which is significantly lower than URFRX's 12.10% return. Over the past 10 years, FFTWX has underperformed URFRX with an annualized return of 7.93%, while URFRX has yielded a comparatively higher 9.25% annualized return.
FFTWX
- 1D
- 0.77%
- 1M
- -0.19%
- 6M
- 4.88%
- YTD
- 7.63%
- 1Y
- 14.38%
- 3Y*
- 12.52%
- 5Y*
- 5.49%
- 10Y*
- 7.93%
- ALL TIME*
- 6.32%
URFRX
- 1D
- 0.76%
- 1M
- 1.27%
- 6M
- 8.88%
- YTD
- 12.10%
- 1Y
- 20.54%
- 3Y*
- 15.56%
- 5Y*
- 8.35%
- 10Y*
- 9.25%
- ALL TIME*
- 7.89%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
FFTWX vs. URFRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FFTWX Fidelity Freedom 2025 Fund | 7.63% | 16.46% | 8.20% | 14.10% | -16.66% | 10.09% | 14.70% | 19.45% | -5.93% | 15.57% |
URFRX USAA Target Retirement 2040 Fund | 12.10% | 17.49% | 10.37% | 16.75% | -14.86% | 15.88% | 9.22% | 19.57% | -8.52% | 18.48% |
Correlation
The correlation between FFTWX and URFRX is 0.96 - 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. | 0.96 |
Correlation (3Y) Balances recent behavior with more history. | 0.92 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.93 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.94 |
Correlation (All Time) Calculated using the full available price history since Aug 4, 2008 | 0.96 |
The correlation between FFTWX and URFRX has been stable across timeframes, ranging from 0.92 to 0.96 - a consistent structural relationship.
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Return for Risk
FFTWX vs. URFRX — Risk / Return Rank
FFTWX
URFRX
FFTWX vs. URFRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom 2025 Fund (FFTWX) and USAA Target Retirement 2040 Fund (URFRX). 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.
| FFTWX | URFRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.43 | ||
| Sortino ratioReturn per unit of downside risk | -0.60 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.40 | -0.07 |
| Calmar ratioReturn relative to maximum drawdown | 2.40 | 3.19 | -0.78 |
| Martin ratioReturn relative to average drawdown | 9.78 | 13.66 | -3.88 |
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Drawdowns
FFTWX vs. URFRX - Drawdown Comparison
The maximum FFTWX drawdown since its inception was -47.51%, which is greater than URFRX's maximum drawdown of -39.33%. Use the drawdown chart below to compare losses from any high point for FFTWX and URFRX.
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Drawdown Indicators
| FFTWX | URFRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -47.51% | -39.33% | -8.18% |
Max Drawdown (1Y)Largest decline over 1 year | -6.40% | -6.88% | +0.48% |
Max Drawdown (3Y)Largest decline over 3 years | -8.87% | -12.41% | +3.54% |
Max Drawdown (5Y)Largest decline over 5 years | -23.66% | -22.27% | -1.39% |
Max Drawdown (10Y)Largest decline over 10 years | -23.66% | -28.59% | +4.93% |
Current DrawdownCurrent decline from peak | -1.01% | 0.00% | -1.01% |
Average DrawdownAverage peak-to-trough decline | -5.54% | -5.15% | -0.39% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.57% | 1.60% | -0.03% |
Volatility
FFTWX vs. URFRX - Volatility Comparison
Fidelity Freedom 2025 Fund (FFTWX) has a higher volatility of 2.77% compared to USAA Target Retirement 2040 Fund (URFRX) at 2.55%. This indicates that FFTWX's price experiences larger fluctuations and is considered to be riskier than URFRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FFTWX | URFRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.77% | 2.55% | +0.22% |
Volatility (6M)Calculated over the trailing 6-month period | 7.74% | 8.52% | -0.78% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.98% | 10.22% | -1.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.09% | 12.41% | -2.32% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.06% | 13.04% | -2.98% |
FFTWX vs. URFRX - Expense Ratio Comparison
FFTWX has a 0.58% expense ratio, which is higher than URFRX's 0.02% expense ratio.
Dividends
FFTWX vs. URFRX - Dividend Comparison
FFTWX's dividend yield for the trailing twelve months is around 6.80%, more than URFRX's 6.29% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFTWX Fidelity Freedom 2025 Fund | 6.80% | 6.44% | 3.74% | 2.08% | 9.66% | 10.38% | 5.75% | 6.09% | 6.39% | 3.04% | 3.91% | 5.60% |
URFRX USAA Target Retirement 2040 Fund | 6.29% | 7.05% | 2.78% | 3.94% | 10.68% | 7.78% | 5.49% | 12.74% | 9.99% | 6.53% | 3.95% | 2.55% |
Frequently Asked Questions
With a correlation of 0.96, FFTWX and URFRX 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.
FFTWX has higher volatility (2.77%) compared to URFRX (2.55%). In terms of maximum drawdown, FFTWX dropped -47.51% vs URFRX's -39.33%.
URFRX currently has the higher Sharpe Ratio (2.15 vs 1.72), 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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