FJANX vs. URINX
FJANX (Fidelity Advisor Freedom Blend 2020 Fund Class M) and URINX (USAA Target Retirement Income Fund) are both Target Retirement Date funds. Over the past 5 years, FJANX returned 3.81%/yr vs 4.98%/yr for URINX. Their correlation of 0.94 means they have usually moved in the same direction. FJANX charges 0.94%/yr vs 0.04%/yr for URINX.
Performance
FJANX vs. URINX - Performance Comparison
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Returns By Period
In the year-to-date period, FJANX achieves a 5.48% return, which is significantly lower than URINX's 5.97% return.
FJANX
- 1D
- 1.08%
- 1M
- -0.90%
- 6M
- 3.53%
- YTD
- 5.48%
- 1Y
- 11.76%
- 3Y*
- 9.52%
- 5Y*
- 3.81%
- 10Y*
- —
- ALL TIME*
- 6.00%
URINX
- 1D
- 0.59%
- 1M
- 0.17%
- 6M
- 4.23%
- YTD
- 5.97%
- 1Y
- 11.68%
- 3Y*
- 9.68%
- 5Y*
- 4.98%
- 10Y*
- 5.57%
- ALL TIME*
- 6.67%
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 |
FJANX vs. URINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
FJANX Fidelity Advisor Freedom Blend 2020 Fund Class M | 5.48% | 13.76% | 6.43% | 12.20% | -16.98% | 7.98% | 12.74% | 17.78% | -7.05% |
URINX USAA Target Retirement Income Fund | 5.97% | 12.36% | 6.66% | 10.79% | -10.38% | 6.47% | 8.74% | 11.72% | -3.59% |
Correlation
The correlation between FJANX and URINX 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. | 0.94 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.95 |
Correlation (All Time) Calculated using the full available price history since Aug 31, 2018 | 0.94 |
The correlation between FJANX and URINX has been stable across timeframes, ranging from 0.94 to 0.97 - a consistent structural relationship.
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Return for Risk
FJANX vs. URINX — Risk / Return Rank
FJANX
URINX
FJANX vs. URINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom Blend 2020 Fund Class M (FJANX) and USAA Target Retirement Income Fund (URINX). 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.
| FJANX | URINX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.57 | ||
| Sortino ratioReturn per unit of downside risk | -0.88 | ||
| Omega ratioGain probability vs. loss probability | 1.28 | 1.39 | -0.11 |
| Calmar ratioReturn relative to maximum drawdown | 2.07 | 2.94 | -0.88 |
| Martin ratioReturn relative to average drawdown | 8.40 | 12.40 | -3.99 |
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Drawdowns
FJANX vs. URINX - Drawdown Comparison
The maximum FJANX drawdown since its inception was -23.20%, which is greater than URINX's maximum drawdown of -15.27%. Use the drawdown chart below to compare losses from any high point for FJANX and URINX.
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Drawdown Indicators
| FJANX | URINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.20% | -15.27% | -7.93% |
Max Drawdown (1Y)Largest decline over 1 year | -5.53% | -3.92% | -1.61% |
Max Drawdown (3Y)Largest decline over 3 years | -7.51% | -4.84% | -2.67% |
Max Drawdown (5Y)Largest decline over 5 years | -23.20% | -15.27% | -7.93% |
Max Drawdown (10Y)Largest decline over 10 years | — | -15.27% | — |
Current DrawdownCurrent decline from peak | -1.62% | -0.30% | -1.32% |
Average DrawdownAverage peak-to-trough decline | -5.05% | -1.90% | -3.15% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.36% | 0.93% | +0.43% |
Volatility
FJANX vs. URINX - Volatility Comparison
Fidelity Advisor Freedom Blend 2020 Fund Class M (FJANX) has a higher volatility of 2.32% compared to USAA Target Retirement Income Fund (URINX) at 1.44%. This indicates that FJANX's price experiences larger fluctuations and is considered to be riskier than URINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FJANX | URINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.32% | 1.44% | +0.88% |
Volatility (6M)Calculated over the trailing 6-month period | 6.64% | 4.82% | +1.82% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.70% | 5.64% | +2.06% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.08% | 6.37% | +2.71% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.71% | 5.87% | +3.84% |
FJANX vs. URINX - Expense Ratio Comparison
FJANX has a 0.94% expense ratio, which is higher than URINX's 0.04% expense ratio.
Dividends
FJANX vs. URINX - Dividend Comparison
FJANX's dividend yield for the trailing twelve months is around 3.03%, less than URINX's 5.81% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FJANX Fidelity Advisor Freedom Blend 2020 Fund Class M | 3.03% | 2.15% | 1.96% | 2.02% | 5.21% | 6.77% | 4.05% | 2.61% | 1.13% | 0.00% | 0.00% | 0.00% |
URINX USAA Target Retirement Income Fund | 5.81% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
Frequently Asked Questions
With a correlation of 0.97, FJANX and URINX 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.
FJANX has higher volatility (2.32%) compared to URINX (1.44%). In terms of maximum drawdown, FJANX dropped -23.20% vs URINX's -15.27%.
URINX currently has the higher Sharpe Ratio (2.05 vs 1.48), 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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