FHCFX vs. ISOLX
FHCFX (Fidelity Advisor Freedom Blend 2045 Fund Class I) and ISOLX (Voya Target In-Retirement Fund) are both Target Retirement Date funds. Over the past 5 years, FHCFX returned 9.42%/yr vs 3.63%/yr for ISOLX. Their correlation of 0.85 means they have usually moved in the same direction. FHCFX charges 0.49%/yr vs 0.20%/yr for ISOLX.
Performance
FHCFX vs. ISOLX - Performance Comparison
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Returns By Period
In the year-to-date period, FHCFX achieves a 11.67% return, which is significantly higher than ISOLX's 3.96% return.
FHCFX
- 1D
- 2.25%
- 1M
- -1.03%
- 6M
- 7.84%
- YTD
- 11.67%
- 1Y
- 23.90%
- 3Y*
- 17.11%
- 5Y*
- 9.42%
- 10Y*
- —
- ALL TIME*
- 11.18%
ISOLX
- 1D
- 0.77%
- 1M
- -0.67%
- 6M
- 2.34%
- YTD
- 3.96%
- 1Y
- 9.44%
- 3Y*
- 8.84%
- 5Y*
- 3.63%
- 10Y*
- 5.33%
- ALL TIME*
- 5.34%
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 |
FHCFX vs. ISOLX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
FHCFX Fidelity Advisor Freedom Blend 2045 Fund Class I | 11.67% | 22.61% | 13.57% | 20.45% | -19.05% | 16.25% | 17.82% | 26.45% | -11.90% |
ISOLX Voya Target In-Retirement Fund | 3.96% | 11.96% | 7.03% | 11.13% | -14.97% | 6.53% | 10.46% | 14.40% | -3.93% |
Correlation
The correlation between FHCFX and ISOLX is 0.84, 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. | 0.85 |
Correlation (3Y) Balances recent behavior with more history. | 0.83 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.83 |
Correlation (All Time) Calculated using the full available price history since Aug 31, 2018 | 0.85 |
The correlation between FHCFX and ISOLX has been stable across timeframes, ranging from 0.83 to 0.85 - a consistent structural relationship.
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Return for Risk
FHCFX vs. ISOLX — Risk / Return Rank
FHCFX
ISOLX
FHCFX vs. ISOLX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom Blend 2045 Fund Class I (FHCFX) and Voya Target In-Retirement Fund (ISOLX). 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.
| FHCFX | ISOLX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.09 | ||
| Sortino ratioReturn per unit of downside risk | -0.30 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.32 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.35 | 2.25 | +0.10 |
| Martin ratioReturn relative to average drawdown | 9.78 | 9.47 | +0.31 |
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Drawdowns
FHCFX vs. ISOLX - Drawdown Comparison
The maximum FHCFX drawdown since its inception was -31.37%, which is greater than ISOLX's maximum drawdown of -19.02%. Use the drawdown chart below to compare losses from any high point for FHCFX and ISOLX.
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Drawdown Indicators
| FHCFX | ISOLX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.37% | -19.02% | -12.35% |
Max Drawdown (1Y)Largest decline over 1 year | -9.43% | -4.54% | -4.89% |
Max Drawdown (3Y)Largest decline over 3 years | -15.55% | -5.83% | -9.72% |
Max Drawdown (5Y)Largest decline over 5 years | -27.79% | -19.02% | -8.77% |
Max Drawdown (10Y)Largest decline over 10 years | — | -19.02% | — |
Current DrawdownCurrent decline from peak | -2.21% | -1.26% | -0.95% |
Average DrawdownAverage peak-to-trough decline | -5.84% | -2.80% | -3.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.26% | 1.04% | +1.22% |
Volatility
FHCFX vs. ISOLX - Volatility Comparison
Fidelity Advisor Freedom Blend 2045 Fund Class I (FHCFX) has a higher volatility of 4.25% compared to Voya Target In-Retirement Fund (ISOLX) at 1.75%. This indicates that FHCFX's price experiences larger fluctuations and is considered to be riskier than ISOLX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FHCFX | ISOLX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.25% | 1.75% | +2.50% |
Volatility (6M)Calculated over the trailing 6-month period | 11.92% | 4.99% | +6.93% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.97% | 6.08% | +7.89% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.31% | 7.12% | +8.19% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.90% | 6.60% | +10.30% |
FHCFX vs. ISOLX - Expense Ratio Comparison
FHCFX has a 0.49% expense ratio, which is higher than ISOLX's 0.20% expense ratio.
Dividends
FHCFX vs. ISOLX - Dividend Comparison
FHCFX's dividend yield for the trailing twelve months is around 3.57%, less than ISOLX's 3.74% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FHCFX Fidelity Advisor Freedom Blend 2045 Fund Class I | 3.57% | 2.62% | 2.33% | 1.83% | 6.37% | 8.57% | 4.93% | 3.45% | 3.14% | 0.00% | 0.00% | 0.00% |
ISOLX Voya Target In-Retirement Fund | 3.74% | 3.89% | 2.37% | 3.10% | 3.50% | 10.09% | 3.54% | 6.63% | 3.53% | 4.60% | 2.06% | 0.30% |
Frequently Asked Questions
FHCFX and ISOLX have a correlation of 0.84, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FHCFX has higher volatility (4.25%) compared to ISOLX (1.75%). In terms of maximum drawdown, FHCFX dropped -31.37% vs ISOLX's -19.02%.
ISOLX currently has the higher Sharpe Ratio (1.68 vs 1.59), 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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