FIJMX vs. URSIX
FIJMX (Fidelity Advisor Freedom 2025 Fund Class Z) and URSIX (USAA Target Retirement 2060 Fund) are both Target Retirement Date funds. Over the past 5 years, FIJMX returned 5.84%/yr vs 9.74%/yr for URSIX. Their correlation of 0.93 means they have usually moved in the same direction. FIJMX charges 0.54%/yr vs 0.10%/yr for URSIX.
Performance
FIJMX vs. URSIX - Performance Comparison
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Returns By Period
In the year-to-date period, FIJMX achieves a 5.99% return, which is significantly lower than URSIX's 13.54% return.
FIJMX
- 1D
- 1.25%
- 1M
- -1.08%
- 6M
- 3.68%
- YTD
- 5.99%
- 1Y
- 12.91%
- 3Y*
- 12.48%
- 5Y*
- 5.84%
- 10Y*
- —
- ALL TIME*
- 8.41%
URSIX
- 1D
- 1.42%
- 1M
- 0.56%
- 6M
- 9.91%
- YTD
- 13.54%
- 1Y
- 25.18%
- 3Y*
- 16.85%
- 5Y*
- 9.74%
- 10Y*
- 10.23%
- ALL TIME*
- 8.97%
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 |
FIJMX vs. URSIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
FIJMX Fidelity Advisor Freedom 2025 Fund Class Z | 5.99% | 16.15% | 11.93% | 13.50% | -16.52% | 10.00% | 14.31% | 20.32% | -5.06% |
URSIX USAA Target Retirement 2060 Fund | 13.54% | 19.62% | 13.05% | 18.22% | -15.78% | 17.70% | 10.17% | 20.09% | -7.42% |
Correlation
The correlation between FIJMX and URSIX is 0.95, 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. | 0.95 |
Correlation (3Y) Balances recent behavior with more history. | 0.90 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.92 |
Correlation (All Time) Calculated using the full available price history since Oct 17, 2018 | 0.93 |
The correlation between FIJMX and URSIX has been stable across timeframes, ranging from 0.90 to 0.95 - a consistent structural relationship.
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Return for Risk
FIJMX vs. URSIX — Risk / Return Rank
FIJMX
URSIX
FIJMX vs. URSIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2025 Fund Class Z (FIJMX) and USAA Target Retirement 2060 Fund (URSIX). 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.
| FIJMX | URSIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.49 | ||
| Sortino ratioReturn per unit of downside risk | -0.65 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.34 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 1.93 | 2.81 | -0.89 |
| Martin ratioReturn relative to average drawdown | 7.79 | 12.09 | -4.30 |
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Drawdowns
FIJMX vs. URSIX - Drawdown Comparison
The maximum FIJMX drawdown since its inception was -23.58%, smaller than the maximum URSIX drawdown of -30.33%. Use the drawdown chart below to compare losses from any high point for FIJMX and URSIX.
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Drawdown Indicators
| FIJMX | URSIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.58% | -30.33% | +6.75% |
Max Drawdown (1Y)Largest decline over 1 year | -6.46% | -8.32% | +1.86% |
Max Drawdown (3Y)Largest decline over 3 years | -8.70% | -14.35% | +5.65% |
Max Drawdown (5Y)Largest decline over 5 years | -23.58% | -23.85% | +0.27% |
Max Drawdown (10Y)Largest decline over 10 years | — | -30.33% | — |
Current DrawdownCurrent decline from peak | -1.92% | -0.28% | -1.64% |
Average DrawdownAverage peak-to-trough decline | -4.86% | -4.40% | -0.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.59% | 1.93% | -0.34% |
Volatility
FIJMX vs. URSIX - Volatility Comparison
The current volatility for Fidelity Advisor Freedom 2025 Fund Class Z (FIJMX) is 2.72%, while USAA Target Retirement 2060 Fund (URSIX) has a volatility of 3.06%. This indicates that FIJMX experiences smaller price fluctuations and is considered to be less risky than URSIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FIJMX | URSIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.72% | 3.06% | -0.34% |
Volatility (6M)Calculated over the trailing 6-month period | 7.78% | 10.34% | -2.56% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.94% | 12.45% | -3.51% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.16% | 14.21% | -4.05% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.98% | 14.52% | -3.54% |
FIJMX vs. URSIX - Expense Ratio Comparison
FIJMX has a 0.54% expense ratio, which is higher than URSIX's 0.10% expense ratio.
Dividends
FIJMX vs. URSIX - Dividend Comparison
FIJMX's dividend yield for the trailing twelve months is around 8.17%, more than URSIX's 4.93% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FIJMX Fidelity Advisor Freedom 2025 Fund Class Z | 8.17% | 8.05% | 7.73% | 2.37% | 9.34% | 9.53% | 6.48% | 6.98% | 6.16% | 0.00% | 0.00% | 0.00% |
URSIX USAA Target Retirement 2060 Fund | 4.93% | 5.60% | 2.55% | 2.89% | 10.97% | 7.07% | 4.79% | 5.88% | 4.77% | 3.82% | 3.01% | 1.73% |
Frequently Asked Questions
With a correlation of 0.95, FIJMX and URSIX 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.
URSIX has higher volatility (3.06%) compared to FIJMX (2.72%). In terms of maximum drawdown, FIJMX dropped -23.58% vs URSIX's -30.33%.
URSIX currently has the higher Sharpe Ratio (1.88 vs 1.39), 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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