FHAJX vs. LTSTX

Last updated Jun 4, 2026

FHAJX (Fidelity Advisor Freedom Blend Income Fund Class I) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 5 years, FHAJX returned 3.08%/yr vs 5.67%/yr for LTSTX. A 0.79 correlation means they provide meaningful diversification when combined. FHAJX charges 0.41%/yr vs 0.01%/yr for LTSTX.

Performance

FHAJX vs. LTSTX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Advisor Freedom Blend Income Fund Class I (FHAJX) and Principal LifeTime 2025 Fund (LTSTX). 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 FHAJX having a 5.05% return and LTSTX slightly higher at 5.20%.

FHAJX

• 1D: 0.28%
• 1M: 1.87%
• YTD: 5.05%
• 6M: 5.34%
• 1Y: 11.63%
• 3Y*: 7.93%
• 5Y*: 3.08%
• 10Y*: —

LTSTX

• 1D: 0.17%
• 1M: 2.49%
• YTD: 5.20%
• 6M: 5.33%
• 1Y: 13.74%
• 3Y*: 12.33%
• 5Y*: 5.67%
• 10Y*: 8.05%

*Multi-year figures are annualized to reflect compound growth (CAGR)

FHAJX vs. LTSTX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018
FHAJX Fidelity Advisor Freedom Blend Income Fund Class I	5.05%	9.97%	4.19%	8.05%	-11.68%	2.77%	8.61%	10.55%	-2.18%
LTSTX Principal LifeTime 2025 Fund	5.20%	12.16%	11.91%	13.30%	-15.23%	10.91%	13.70%	20.50%	-9.18%

Correlation

The correlation between FHAJX and LTSTX is 0.90, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.90
Correlation (3Y) Calculated over the trailing 3-year period	0.85
Correlation (5Y) Calculated over the trailing 5-year period	0.81
Correlation (All Time) Calculated using the full available price history since Sep 4, 2018	0.79

The correlation between FHAJX and LTSTX shifts across timeframes, from 0.79 (all time) to 0.90 (1 year), reflecting how their relationship changes across market environments.

Return for Risk

FHAJX vs. LTSTX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FHAJX

FHAJX Risk / Return Rank: 75
FHAJX Sharpe Ratio Rank: 78
FHAJX Sortino Ratio Rank: 81
FHAJX Omega Ratio Rank: 79
FHAJX Calmar Ratio Rank: 66
FHAJX Martin Ratio Rank: 71

LTSTX

LTSTX Risk / Return Rank: 53
LTSTX Sharpe Ratio Rank: 50
LTSTX Sortino Ratio Rank: 52
LTSTX Omega Ratio Rank: 54
LTSTX Calmar Ratio Rank: 49
LTSTX Martin Ratio Rank: 60

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FHAJX vs. LTSTX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom Blend Income Fund Class I (FHAJX) 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.

	FHAJX	LTSTX	Difference
Sharpe ratio: Return per unit of total volatility	2.60	2.11	+0.49
Sortino ratio: Return per unit of downside risk	3.86	3.05	+0.81
Omega ratio: Gain probability vs. loss probability	1.53	1.41	+0.12
Calmar ratio: Return relative to maximum drawdown	3.14	2.67	+0.47
Martin ratio: Return relative to average drawdown	13.74	12.06	+1.68
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FHAJX vs. LTSTX - Sharpe Ratio Comparison

The current FHAJX Sharpe Ratio is 2.60, which is comparable to the LTSTX Sharpe Ratio of 2.11. The chart below compares the historical Sharpe Ratios of FHAJX and LTSTX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FHAJX	LTSTX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.60	2.11	+0.49
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.58	0.62	-0.05
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.82	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.87	0.48	+0.38

Drawdowns

FHAJX vs. LTSTX - Drawdown Comparison

The maximum FHAJX drawdown since its inception was -16.18%, smaller than the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for FHAJX and LTSTX.

Drawdown Indicators

	FHAJX	LTSTX	Difference
Max Drawdown Largest peak-to-trough decline	-16.18%	-48.17%	+31.99%
Max Drawdown (1Y) Largest decline over 1 year	-3.72%	-5.24%	+1.52%
Max Drawdown (3Y) Largest decline over 3 years	-4.94%	-8.12%	+3.18%
Max Drawdown (5Y) Largest decline over 5 years	-16.18%	-21.01%	+4.83%
Max Drawdown (10Y) Largest decline over 10 years	—	-23.33%	—
Current Drawdown Current decline from peak	0.00%	0.00%	0.00%
Average Drawdown Average peak-to-trough decline	-3.30%	-6.16%	+2.86%
Ulcer Index Depth and duration of drawdowns from previous peaks	0.85%	1.16%	-0.31%

Volatility

FHAJX vs. LTSTX - Volatility Comparison

The current volatility for Fidelity Advisor Freedom Blend Income Fund Class I (FHAJX) is 1.74%, while Principal LifeTime 2025 Fund (LTSTX) has a volatility of 2.02%. This indicates that FHAJX 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.

Volatility by Period

	FHAJX	LTSTX	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.74%	2.02%	-0.28%
Volatility (6M) Calculated over the trailing 6-month period	3.82%	5.39%	-1.57%
Volatility (1Y) Calculated over the trailing 1-year period	4.50%	6.64%	-2.14%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	5.38%	9.18%	-3.80%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	4.99%	9.83%	-4.84%

FHAJX vs. LTSTX - Expense Ratio Comparison

FHAJX has a 0.41% expense ratio, which is higher than LTSTX's 0.01% expense ratio.

Dividends

FHAJX vs. LTSTX - Dividend Comparison

FHAJX's dividend yield for the trailing twelve months is around 2.94%, less than LTSTX's 11.59% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FHAJX Fidelity Advisor Freedom Blend Income Fund Class I	2.94%	3.13%	2.99%	2.83%	4.61%	3.97%	2.61%	2.32%	1.47%	0.00%	0.00%	0.00%
LTSTX Principal LifeTime 2025 Fund	11.59%	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

Can I hold both FHAJX and LTSTX in my portfolio?

FHAJX and LTSTX have a correlation of 0.90, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, FHAJX or LTSTX?

LTSTX has higher volatility (2.02%) compared to FHAJX (1.74%). In terms of maximum drawdown, FHAJX dropped -16.18% vs LTSTX's -48.17%.

Which has better risk-adjusted returns?

FHAJX currently has the higher Sharpe Ratio (2.60 vs 2.11), 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.