FFWTX vs. LTSTX
FFWTX (Fidelity Freedom Index 2010 Fund Institutional Premium Class) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, FFWTX returned 5.22%/yr vs 7.73%/yr for LTSTX. Their correlation of 0.92 means they have usually moved in the same direction. FFWTX charges 0.08%/yr vs 0.01%/yr for LTSTX.
Performance
FFWTX vs. LTSTX - Performance Comparison
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Returns By Period
In the year-to-date period, FFWTX achieves a 3.61% return, which is significantly lower than LTSTX's 4.47% return. Over the past 10 years, FFWTX has underperformed LTSTX with an annualized return of 5.22%, while LTSTX has yielded a comparatively higher 7.73% annualized return.
FFWTX
- 1D
- 0.65%
- 1M
- -0.43%
- 6M
- 2.47%
- YTD
- 3.61%
- 1Y
- 7.95%
- 3Y*
- 7.58%
- 5Y*
- 3.12%
- 10Y*
- 5.22%
- ALL TIME*
- 5.00%
LTSTX
- 1D
- 0.79%
- 1M
- -0.17%
- 6M
- 2.78%
- YTD
- 4.47%
- 1Y
- 10.06%
- 3Y*
- 10.75%
- 5Y*
- 5.16%
- 10Y*
- 7.73%
- ALL TIME*
- 6.35%
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 |
FFWTX vs. LTSTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FFWTX Fidelity Freedom Index 2010 Fund Institutional Premium Class | 3.61% | 10.16% | 5.83% | 9.88% | -12.97% | 5.15% | 10.45% | 14.36% | -2.58% | 10.73% |
LTSTX Principal LifeTime 2025 Fund | 4.47% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
Correlation
The correlation between FFWTX and LTSTX is 0.94, 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. | 0.94 |
Correlation (3Y) Balances recent behavior with more history. | 0.91 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.90 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.91 |
Correlation (All Time) Calculated using the full available price history since Jun 29, 2015 | 0.92 |
The correlation between FFWTX and LTSTX has been stable across timeframes, ranging from 0.90 to 0.94 - a consistent structural relationship.
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Return for Risk
FFWTX vs. LTSTX — Risk / Return Rank
FFWTX
LTSTX
FFWTX vs. LTSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom Index 2010 Fund Institutional Premium Class (FFWTX) and Principal LifeTime 2025 Fund (LTSTX). 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.
| FFWTX | LTSTX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.35 | ||
| Sortino ratioReturn per unit of downside risk | +0.51 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.24 | +0.07 |
| Calmar ratioReturn relative to maximum drawdown | 2.19 | 1.80 | +0.39 |
| Martin ratioReturn relative to average drawdown | 9.04 | 7.79 | +1.25 |
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Drawdowns
FFWTX vs. LTSTX - Drawdown Comparison
The maximum FFWTX drawdown since its inception was -17.44%, smaller than the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for FFWTX and LTSTX.
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Drawdown Indicators
| FFWTX | LTSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.44% | -48.17% | +30.73% |
Max Drawdown (1Y)Largest decline over 1 year | -3.68% | -5.24% | +1.56% |
Max Drawdown (3Y)Largest decline over 3 years | -4.52% | -8.12% | +3.60% |
Max Drawdown (5Y)Largest decline over 5 years | -17.44% | -21.01% | +3.57% |
Max Drawdown (10Y)Largest decline over 10 years | -17.44% | -23.33% | +5.89% |
Current DrawdownCurrent decline from peak | -0.99% | -0.78% | -0.21% |
Average DrawdownAverage peak-to-trough decline | -2.87% | -6.11% | +3.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.89% | 1.21% | -0.32% |
Volatility
FFWTX vs. LTSTX - Volatility Comparison
The current volatility for Fidelity Freedom Index 2010 Fund Institutional Premium Class (FFWTX) is 1.43%, while Principal LifeTime 2025 Fund (LTSTX) has a volatility of 1.95%. This indicates that FFWTX experiences smaller price fluctuations and is considered to be less risky than LTSTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FFWTX | LTSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.43% | 1.95% | -0.52% |
Volatility (6M)Calculated over the trailing 6-month period | 4.18% | 5.99% | -1.81% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.86% | 7.19% | -2.33% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.17% | 9.23% | -3.06% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.09% | 9.76% | -3.67% |
FFWTX vs. LTSTX - Expense Ratio Comparison
FFWTX has a 0.08% expense ratio, which is higher than LTSTX'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
FFWTX vs. LTSTX - Dividend Comparison
FFWTX's dividend yield for the trailing twelve months is around 3.81%, less than LTSTX's 11.67% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFWTX Fidelity Freedom Index 2010 Fund Institutional Premium Class | 3.81% | 4.56% | 5.03% | 3.32% | 3.76% | 3.70% | 2.59% | 16.46% | 4.78% | 2.64% | 1.91% | 1.62% |
LTSTX Principal LifeTime 2025 Fund | 11.67% | 12.19% | 9.74% | 4.26% | 8.00% | 7.66% | 5.25% | 6.91% | 6.39% | 4.75% | 3.65% | 8.91% |
Frequently Asked Questions
With a correlation of 0.94, FFWTX and LTSTX 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.
LTSTX has higher volatility (1.95%) compared to FFWTX (1.43%). In terms of maximum drawdown, FFWTX dropped -17.44% vs LTSTX's -48.17%.
FFWTX currently has the higher Sharpe Ratio (1.66 vs 1.32), 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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