FITHX vs. LTRIX

Last updated Aug 4, 2026

FITHX (Fidelity Advisor Freedom 2035 Fund Class I) and LTRIX (Principal LifeTime 2045 Fund) are both Target Retirement Date funds. Over the past 10 years, FITHX returned 10.07%/yr vs 10.78%/yr for LTRIX. Their 0.97 correlation means they have historically moved very closely together. FITHX charges 0.71%/yr vs 0.01%/yr for LTRIX.

Performance

FITHX vs. LTRIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Advisor Freedom 2035 Fund Class I (FITHX) and Principal LifeTime 2045 Fund (LTRIX). 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 FITHX having a 7.89% return and LTRIX slightly higher at 8.14%. Over the past 10 years, FITHX has underperformed LTRIX with an annualized return of 10.07%, while LTRIX has yielded a comparatively higher 10.78% annualized return.

FITHX

• 1D: 0.29%
• 1M: -0.81%
• 6M: 4.86%
• YTD: 7.89%
• 1Y: 16.35%
• 3Y*: 13.87%
• 5Y*: 6.96%
• 10Y*: 10.07%
• ALL TIME*: 7.05%

LTRIX

• 1D: 0.30%
• 1M: 0.61%
• 6M: 5.04%
• YTD: 8.14%
• 1Y: 16.71%
• 3Y*: 15.51%
• 5Y*: 8.20%
• 10Y*: 10.78%
• ALL TIME*: 8.19%

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

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
FITHX Fidelity Advisor Freedom 2035 Fund Class I	$0.00	$0.00	$0.00
LTRIX Principal LifeTime 2045 Fund	$0.00	$0.00	$0.00

FITHX vs. LTRIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FITHX Fidelity Advisor Freedom 2035 Fund Class I	7.89%	18.71%	10.76%	16.65%	-17.53%	13.97%	16.48%	25.76%	-7.76%	20.10%
LTRIX Principal LifeTime 2045 Fund	8.14%	16.69%	16.90%	19.40%	-18.51%	16.55%	16.33%	25.81%	-8.34%	21.38%

Correlation

The correlation between FITHX and LTRIX is 0.97 - they have historically moved very closely together. At this level, their price movements offset little of one another.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.97
Correlation (3Y) Balances recent behavior with more history.	0.96
Correlation (5Y) Shows whether the relationship held over a longer period.	0.97
Correlation (10Y) Provides a long-term view across more market conditions.	0.96
Correlation (All Time) Calculated using the full available price history since Mar 3, 2008	0.97

The correlation between FITHX and LTRIX has been stable across timeframes, ranging from 0.96 to 0.97 - a consistent structural relationship.

Return for Risk

FITHX vs. LTRIX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

FITHX

FITHX Risk / Return Rank: 53
FITHX Sharpe Ratio Rank: 50
FITHX Sortino Ratio Rank: 49
FITHX Omega Ratio Rank: 51
FITHX Calmar Ratio Rank: 54
FITHX Martin Ratio Rank: 61

LTRIX

LTRIX Risk / Return Rank: 47
LTRIX Sharpe Ratio Rank: 43
LTRIX Sortino Ratio Rank: 42
LTRIX Omega Ratio Rank: 42
LTRIX Calmar Ratio Rank: 47
LTRIX Martin Ratio Rank: 60

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

FITHX vs. LTRIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2035 Fund Class I (FITHX) and Principal LifeTime 2045 Fund (LTRIX). 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.

	FITHX	LTRIX	Difference
Sharpe ratio: Return per unit of total volatility	1.46	1.34	+0.11
Sortino ratio: Return per unit of downside risk	2.08	1.92	+0.15
Omega ratio: Gain probability vs. loss probability	1.27	1.25	+0.03
Calmar ratio: Return relative to maximum drawdown	2.09	1.95	+0.14
Martin ratio: Return relative to average drawdown	8.42	8.33	+0.09

FITHX vs. LTRIX - Sharpe Ratio Comparison

The current FITHX Sharpe Ratio is 1.46, which is comparable to the LTRIX Sharpe Ratio of 1.34. The chart below compares the historical Sharpe Ratios of FITHX and LTRIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

FITHX vs. LTRIX - Drawdown Comparison

The maximum FITHX drawdown since its inception was -54.57%, which is greater than LTRIX's maximum drawdown of -51.39%. Use the drawdown chart below to compare losses from any high point for FITHX and LTRIX.

Drawdown Indicators

	FITHX	LTRIX	Difference
Max Drawdown Largest peak-to-trough decline	-54.57%	-51.39%	-3.18%
Max Drawdown (1Y) Largest decline over 1 year	-7.56%	-8.04%	+0.48%
Max Drawdown (3Y) Largest decline over 3 years	-11.37%	-14.47%	+3.10%
Max Drawdown (5Y) Largest decline over 5 years	-25.91%	-26.25%	+0.34%
Max Drawdown (10Y) Largest decline over 10 years	-29.21%	-31.56%	+2.35%
Current Drawdown Current decline from peak	-1.82%	-0.54%	-1.28%
Average Drawdown Average peak-to-trough decline	-7.04%	-7.15%	+0.11%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.87%	1.88%	-0.01%

Volatility

FITHX vs. LTRIX - Volatility Comparison

Fidelity Advisor Freedom 2035 Fund Class I (FITHX) has a higher volatility of 3.31% compared to Principal LifeTime 2045 Fund (LTRIX) at 3.13%. This indicates that FITHX's price experiences larger fluctuations and is considered to be riskier than LTRIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FITHX	LTRIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.31%	3.13%	+0.18%
Volatility (6M) Calculated over the trailing 6-month period	9.37%	9.66%	-0.29%
Volatility (1Y) Calculated over the trailing 1-year period	10.82%	11.66%	-0.84%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	12.52%	14.70%	-2.18%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	13.59%	14.77%	-1.18%

FITHX vs. LTRIX - Expense Ratio Comparison

FITHX has a 0.71% expense ratio, which is higher than LTRIX's 0.01% expense ratio.

Dividends

FITHX vs. LTRIX - Dividend Comparison

FITHX's dividend yield for the trailing twelve months is around 7.32%, less than LTRIX's 8.61% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FITHX Fidelity Advisor Freedom 2035 Fund Class I	7.32%	7.28%	1.92%	1.51%	9.95%	9.48%	6.16%	7.35%	11.94%	4.16%	4.86%	5.38%
LTRIX Principal LifeTime 2045 Fund	8.61%	9.31%	9.40%	4.25%	8.71%	6.75%	4.62%	6.93%	7.50%	4.57%	4.48%	5.42%

Frequently Asked Questions

Can I hold both FITHX and LTRIX in my portfolio?

With a correlation of 0.97, FITHX and LTRIX 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.

Which is riskier, FITHX or LTRIX?

FITHX has higher volatility (3.31%) compared to LTRIX (3.13%). In terms of maximum drawdown, FITHX dropped -54.57% vs LTRIX's -51.39%.

Which has better risk-adjusted returns?

FITHX currently has the higher Sharpe Ratio (1.46 vs 1.34), 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.