FHBZX vs. URFFX
FHBZX (Fidelity Freedom Blend Income Fund) and URFFX (USAA Target Retirement 2050 Fund) are both Target Retirement Date funds. Over the past 5 years, FHBZX returned 2.62%/yr vs 9.38%/yr for URFFX. Their 0.70 correlation means they have sometimes moved together and sometimes differently. FHBZX charges 0.41%/yr vs 0.58%/yr for URFFX.
Performance
FHBZX vs. URFFX - Performance Comparison
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Returns By Period
In the year-to-date period, FHBZX achieves a 3.96% return, which is significantly lower than URFFX's 13.05% return.
FHBZX
- 1D
- 0.75%
- 1M
- -0.55%
- 6M
- 2.58%
- YTD
- 3.96%
- 1Y
- 8.06%
- 3Y*
- 7.11%
- 5Y*
- 2.62%
- 10Y*
- —
- ALL TIME*
- 4.05%
URFFX
- 1D
- 1.41%
- 1M
- 0.64%
- 6M
- 9.62%
- YTD
- 13.05%
- 1Y
- 24.29%
- 3Y*
- 16.22%
- 5Y*
- 9.38%
- 10Y*
- 10.12%
- ALL TIME*
- 8.09%
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 |
FHBZX vs. URFFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
FHBZX Fidelity Freedom Blend Income Fund | 3.96% | 10.12% | 4.11% | 8.07% | -11.70% | 2.84% | 8.57% | 10.47% | -2.39% |
URFFX USAA Target Retirement 2050 Fund | 13.05% | 19.35% | 11.86% | 18.12% | -15.66% | 17.70% | 10.52% | 20.16% | -10.98% |
Correlation
The correlation between FHBZX and URFFX is 0.89, 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. | 0.89 |
Correlation (3Y) Balances recent behavior with more history. | 0.73 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.70 |
Correlation (All Time) Calculated using the full available price history since Aug 31, 2018 | 0.70 |
The correlation between FHBZX and URFFX shifts across timeframes, from 0.70 (5 years) to 0.89 (1 year), reflecting how their relationship changes across market environments.
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Return for Risk
FHBZX vs. URFFX — Risk / Return Rank
FHBZX
URFFX
FHBZX vs. URFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom Blend Income Fund (FHBZX) and USAA Target Retirement 2050 Fund (URFFX). 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.
| FHBZX | URFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.31 | ||
| Sortino ratioReturn per unit of downside risk | -0.40 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.35 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.27 | 2.87 | -0.61 |
| Martin ratioReturn relative to average drawdown | 9.17 | 12.30 | -3.14 |
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Drawdowns
FHBZX vs. URFFX - Drawdown Comparison
The maximum FHBZX drawdown since its inception was -16.21%, smaller than the maximum URFFX drawdown of -44.25%. Use the drawdown chart below to compare losses from any high point for FHBZX and URFFX.
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Drawdown Indicators
| FHBZX | URFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.21% | -44.25% | +28.04% |
Max Drawdown (1Y)Largest decline over 1 year | -3.63% | -7.89% | +4.26% |
Max Drawdown (3Y)Largest decline over 3 years | -4.09% | -14.14% | +10.05% |
Max Drawdown (5Y)Largest decline over 5 years | -16.21% | -23.76% | +7.55% |
Max Drawdown (10Y)Largest decline over 10 years | — | -29.97% | — |
Current DrawdownCurrent decline from peak | -1.10% | -0.17% | -0.93% |
Average DrawdownAverage peak-to-trough decline | -3.27% | -5.88% | +2.61% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.90% | 1.84% | -0.94% |
Volatility
FHBZX vs. URFFX - Volatility Comparison
The current volatility for Fidelity Freedom Blend Income Fund (FHBZX) is 1.76%, while USAA Target Retirement 2050 Fund (URFFX) has a volatility of 2.93%. This indicates that FHBZX experiences smaller price fluctuations and is considered to be less risky than URFFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FHBZX | URFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.76% | 2.93% | -1.17% |
Volatility (6M)Calculated over the trailing 6-month period | 4.57% | 9.82% | -5.25% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.16% | 11.86% | -6.70% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 5.51% | 13.97% | -8.46% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.05% | 14.33% | -9.28% |
FHBZX vs. URFFX - Expense Ratio Comparison
FHBZX has a 0.41% expense ratio, which is lower than URFFX's 0.58% expense ratio.
Dividends
FHBZX vs. URFFX - Dividend Comparison
FHBZX's dividend yield for the trailing twelve months is around 2.94%, less than URFFX's 5.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FHBZX Fidelity Freedom Blend Income Fund | 2.63% | 3.25% | 3.03% | 2.85% | 4.58% | 3.94% | 2.57% | 2.36% | 1.26% | 0.00% | 0.00% | 0.00% |
URFFX USAA Target Retirement 2050 Fund | 5.72% | 6.46% | 2.61% | 3.39% | 11.40% | 8.13% | 6.25% | 11.76% | 10.21% | 5.55% | 3.91% | 2.57% |
Frequently Asked Questions
FHBZX and URFFX have a correlation of 0.89, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
URFFX has higher volatility (2.93%) compared to FHBZX (1.76%). In terms of maximum drawdown, FHBZX dropped -16.21% vs URFFX's -44.25%.
URFFX currently has the higher Sharpe Ratio (1.91 vs 1.60), 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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