FKIFX vs. VTINX
FKIFX (Fidelity Freedom Index 2010 Fund Investor Class) and VTINX (Vanguard Target Retirement Income Fund) are both mutual funds - FKIFX is a Target Retirement Date fund managed by Fidelity, while VTINX is a Diversified Portfolio fund managed by Vanguard. Over the past 10 years, FKIFX returned 5.40%/yr vs 5.33%/yr for VTINX. Their correlation of 0.94 suggests significant overlap in exposure. FKIFX charges 0.12%/yr vs 0.08%/yr for VTINX.
Performance
FKIFX vs. VTINX - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with FKIFX having a 4.56% return and VTINX slightly higher at 4.69%. Both investments have delivered pretty close results over the past 10 years, with FKIFX having a 5.40% annualized return and VTINX not far behind at 5.33%.
FKIFX
- 1D
- 0.14%
- 1M
- 1.92%
- YTD
- 4.56%
- 6M
- 4.71%
- 1Y
- 11.49%
- 3Y*
- 8.58%
- 5Y*
- 3.65%
- 10Y*
- 5.40%
VTINX
- 1D
- 0.14%
- 1M
- 2.12%
- YTD
- 4.69%
- 6M
- 4.90%
- 1Y
- 12.16%
- 3Y*
- 9.49%
- 5Y*
- 4.28%
- 10Y*
- 5.33%
FKIFX vs. VTINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FKIFX Fidelity Freedom Index 2010 Fund Investor Class | 4.56% | 10.21% | 5.70% | 9.83% | -12.94% | 5.05% | 10.41% | 14.33% | -2.62% | 9.81% |
VTINX Vanguard Target Retirement Income Fund | 4.69% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
Correlation
The correlation between FKIFX and VTINX is 0.96 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.96 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.95 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.97 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since Oct 6, 2009 | 0.94 |
The correlation between FKIFX and VTINX has been stable across timeframes, ranging from 0.94 to 0.97 - a consistent structural relationship.
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Return for Risk
FKIFX vs. VTINX — Risk / Return Rank
FKIFX
VTINX
FKIFX vs. VTINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom Index 2010 Fund Investor Class (FKIFX) and Vanguard Target Retirement Income Fund (VTINX). 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.
| FKIFX | VTINX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.62 | 2.52 | +0.09 |
Sortino ratioReturn per unit of downside risk | 3.83 | 3.70 | +0.12 |
Omega ratioGain probability vs. loss probability | 1.53 | 1.50 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 3.13 | 2.97 | +0.17 |
Martin ratioReturn relative to average drawdown | 14.06 | 13.09 | +0.97 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| FKIFX | VTINX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.62 | 2.52 | +0.09 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.60 | 0.71 | -0.11 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.88 | 0.93 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.85 | 0.93 | -0.08 |
Drawdowns
FKIFX vs. VTINX - Drawdown Comparison
The maximum FKIFX drawdown since its inception was -17.50%, smaller than the maximum VTINX drawdown of -19.96%. Use the drawdown chart below to compare losses from any high point for FKIFX and VTINX.
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Drawdown Indicators
| FKIFX | VTINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.50% | -19.96% | +2.46% |
Max Drawdown (1Y)Largest decline over 1 year | -3.68% | -4.14% | +0.46% |
Max Drawdown (3Y)Largest decline over 3 years | -5.72% | -5.26% | -0.46% |
Max Drawdown (5Y)Largest decline over 5 years | -17.50% | -17.02% | -0.48% |
Max Drawdown (10Y)Largest decline over 10 years | -17.50% | -17.02% | -0.48% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -2.46% | -2.20% | -0.26% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.82% | 0.94% | -0.12% |
Volatility
FKIFX vs. VTINX - Volatility Comparison
The current volatility for Fidelity Freedom Index 2010 Fund Investor Class (FKIFX) is 1.66%, while Vanguard Target Retirement Income Fund (VTINX) has a volatility of 1.77%. This indicates that FKIFX experiences smaller price fluctuations and is considered to be less risky than VTINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FKIFX | VTINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.66% | 1.77% | -0.11% |
Volatility (6M)Calculated over the trailing 6-month period | 3.65% | 4.02% | -0.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.41% | 4.88% | -0.47% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.13% | 6.07% | +0.06% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.13% | 5.73% | +0.40% |
FKIFX vs. VTINX - Expense Ratio Comparison
FKIFX has a 0.12% expense ratio, which is higher than VTINX's 0.08% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
FKIFX vs. VTINX - Dividend Comparison
FKIFX's dividend yield for the trailing twelve months is around 3.74%, less than VTINX's 4.80% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FKIFX Fidelity Freedom Index 2010 Fund Investor Class | 3.74% | 4.53% | 4.99% | 3.28% | 3.71% | 3.61% | 2.56% | 16.42% | 4.74% | 1.84% | 1.84% | 1.78% |
VTINX Vanguard Target Retirement Income Fund | 4.80% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
Frequently Asked Questions
With a correlation of 0.96, FKIFX and VTINX 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.
VTINX has higher volatility (1.77%) compared to FKIFX (1.66%). In terms of maximum drawdown, FKIFX dropped -17.50% vs VTINX's -19.96%.
FKIFX currently has the higher Sharpe Ratio (2.62 vs 2.52), 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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