FFTWX vs. VTTVX
FFTWX (Fidelity Freedom 2025 Fund) and VTTVX (Vanguard Target Retirement 2025 Fund) are both mutual funds - FFTWX is a Target Retirement Date fund managed by Fidelity, while VTTVX is a Diversified Portfolio fund managed by Vanguard. Over the past 10 years, FFTWX returned 8.42%/yr vs 8.01%/yr for VTTVX. With a 0.97 correlation, they move nearly in lockstep. FFTWX charges 0.62%/yr vs 0.08%/yr for VTTVX.
Performance
FFTWX vs. VTTVX - Performance Comparison
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Returns By Period
In the year-to-date period, FFTWX achieves a 8.73% return, which is significantly higher than VTTVX's 6.57% return. Both investments have delivered pretty close results over the past 10 years, with FFTWX having a 8.42% annualized return and VTTVX not far behind at 8.01%.
FFTWX
- 1D
- 0.96%
- 1M
- 2.27%
- YTD
- 8.73%
- 6M
- 8.85%
- 1Y
- 19.72%
- 3Y*
- 12.88%
- 5Y*
- 6.14%
- 10Y*
- 8.42%
VTTVX
- 1D
- 0.66%
- 1M
- 1.24%
- YTD
- 6.57%
- 6M
- 6.58%
- 1Y
- 16.48%
- 3Y*
- 12.16%
- 5Y*
- 6.14%
- 10Y*
- 8.01%
FFTWX vs. VTTVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FFTWX Fidelity Freedom 2025 Fund | 8.73% | 16.46% | 8.20% | 14.10% | -16.66% | 10.09% | 14.70% | 19.45% | -5.93% | 15.57% |
VTTVX Vanguard Target Retirement 2025 Fund | 6.57% | 14.63% | 9.23% | 14.76% | -15.57% | 9.78% | 13.31% | 19.63% | -5.14% | 13.68% |
Correlation
The correlation between FFTWX and VTTVX is 0.98 - 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 | 0.98 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.96 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.97 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.97 |
Correlation (All Time) Calculated using the full available price history since Oct 27, 2003 | 0.98 |
The correlation between FFTWX and VTTVX has been stable across timeframes, ranging from 0.96 to 0.98 - a consistent structural relationship.
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Return for Risk
FFTWX vs. VTTVX — Risk / Return Rank
FFTWX
VTTVX
FFTWX vs. VTTVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom 2025 Fund (FFTWX) and Vanguard Target Retirement 2025 Fund (VTTVX). 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 | VTTVX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.04 | ||
| Sortino ratioReturn per unit of downside risk | +0.02 | ||
| Omega ratioGain probability vs. loss probability | 1.45 | 1.43 | +0.02 |
| Calmar ratioReturn relative to maximum drawdown | 3.07 | 2.93 | +0.14 |
| Martin ratioReturn relative to average drawdown | 13.18 | 12.55 | +0.64 |
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Drawdowns
FFTWX vs. VTTVX - Drawdown Comparison
The maximum FFTWX drawdown since its inception was -47.51%, roughly equal to the maximum VTTVX drawdown of -46.03%. Use the drawdown chart below to compare losses from any high point for FFTWX and VTTVX.
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Drawdown Indicators
| FFTWX | VTTVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -47.51% | -46.03% | -1.48% |
Max Drawdown (1Y)Largest decline over 1 year | -6.40% | -5.57% | -0.83% |
Max Drawdown (3Y)Largest decline over 3 years | -8.87% | -7.84% | -1.03% |
Max Drawdown (5Y)Largest decline over 5 years | -23.66% | -21.52% | -2.14% |
Max Drawdown (10Y)Largest decline over 10 years | -23.66% | -22.51% | -1.15% |
Current DrawdownCurrent decline from peak | 0.00% | -0.23% | +0.23% |
Average DrawdownAverage peak-to-trough decline | -5.56% | -5.04% | -0.52% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.49% | 1.30% | +0.19% |
Volatility
FFTWX vs. VTTVX - Volatility Comparison
Fidelity Freedom 2025 Fund (FFTWX) has a higher volatility of 3.66% compared to Vanguard Target Retirement 2025 Fund (VTTVX) at 2.96%. This indicates that FFTWX's price experiences larger fluctuations and is considered to be riskier than VTTVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FFTWX | VTTVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.66% | 2.96% | +0.70% |
Volatility (6M)Calculated over the trailing 6-month period | 7.36% | 6.08% | +1.28% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.60% | 7.26% | +1.34% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.04% | 9.15% | +0.89% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.13% | 9.96% | +0.17% |
FFTWX vs. VTTVX - Expense Ratio Comparison
FFTWX has a 0.62% expense ratio, which is higher than VTTVX's 0.08% expense ratio.
Dividends
FFTWX vs. VTTVX - Dividend Comparison
FFTWX's dividend yield for the trailing twelve months is around 6.73%, less than VTTVX's 6.93% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFTWX Fidelity Freedom 2025 Fund | 6.73% | 6.44% | 3.74% | 2.08% | 9.66% | 10.38% | 5.75% | 6.09% | 6.39% | 3.04% | 3.91% | 5.60% |
VTTVX Vanguard Target Retirement 2025 Fund | 6.93% | 7.38% | 7.63% | 3.96% | 2.96% | 16.28% | 4.35% | 2.57% | 3.14% | 0.47% | 2.68% | 4.98% |
Frequently Asked Questions
With a correlation of 0.98, FFTWX and VTTVX 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 (3.66%) compared to VTTVX (2.96%). In terms of maximum drawdown, FFTWX dropped -47.51% vs VTTVX's -46.03%.
FFTWX currently has the higher Sharpe Ratio (2.28 vs 2.25), 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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