FLROX vs. LTTIX

Last updated Jul 18, 2026

FLROX (Franklin LifeSmart 2020™ Retirement Target Fund) and LTTIX (MFS Lifetime 2025 Fund) are both Target Retirement Date funds. Their correlation of 0.92 suggests significant overlap in exposure. FLROX charges 0.22%/yr vs 0.00%/yr for LTTIX.

Performance

FLROX vs. LTTIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Franklin LifeSmart 2020™ Retirement Target Fund (FLROX) and MFS Lifetime 2025 Fund (LTTIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

FLROX

• 1D: -0.38%
• 1M: -0.00%
• 6M: 3.97%
• YTD: 5.16%
• 1Y: 12.21%
• 3Y*: 10.36%
• 5Y*: 5.00%
• 10Y*: 6.30%

LTTIX

• 1D: —
• 1M: —
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

FLROX vs. LTTIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FLROX Franklin LifeSmart 2020™ Retirement Target Fund	5.16%	13.66%	8.24%	12.71%	-15.35%	9.94%	9.40%	13.77%	-3.63%	11.88%
LTTIX MFS Lifetime 2025 Fund	2.74%	9.29%	6.73%	10.36%	-12.36%	8.61%	10.61%	17.82%	-3.97%	13.16%

Correlation

The correlation between FLROX and LTTIX is 0.84, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.84
Correlation (3Y) Calculated over the trailing 3-year period	0.90
Correlation (5Y) Calculated over the trailing 5-year period	0.93
Correlation (10Y) Calculated over the trailing 10-year period	0.92
Correlation (All Time) Calculated using the full available price history since Jan 2, 2015	0.92

The correlation between FLROX and LTTIX has been stable across timeframes, ranging from 0.84 to 0.93 - a consistent structural relationship.

Return for Risk

FLROX vs. LTTIX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

FLROX

FLROX Risk / Return Rank: 59
FLROX Sharpe Ratio Rank: 61
FLROX Sortino Ratio Rank: 62
FLROX Omega Ratio Rank: 64
FLROX Calmar Ratio Rank: 48
FLROX Martin Ratio Rank: 61

LTTIX

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

FLROX vs. LTTIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Franklin LifeSmart 2020™ Retirement Target Fund (FLROX) and MFS Lifetime 2025 Fund (LTTIX). 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.

	FLROX	LTTIX	Difference
Sharpe ratio: Return per unit of total volatility	1.77	—	—
Sortino ratio: Return per unit of downside risk	2.53	—	—
Omega ratio: Gain probability vs. loss probability	1.33	—	—
Calmar ratio: Return relative to maximum drawdown	2.21	—	—
Martin ratio: Return relative to average drawdown	9.58	—	—

Drawdowns

Drawdown Indicators

	FLROX	LTTIX	Difference
Max Drawdown Largest peak-to-trough decline	-26.14%	—	—
Max Drawdown (1Y) Largest decline over 1 year	-5.63%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-7.63%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-26.14%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-26.14%	—	—
Current Drawdown Current decline from peak	-0.67%	—	—
Average Drawdown Average peak-to-trough decline	-5.22%	—	—
Ulcer Index Depth and duration of drawdowns from previous peaks	1.30%	—	—

Volatility

Volatility by Period

	FLROX	LTTIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.02%	—	—
Volatility (6M) Calculated over the trailing 6-month period	6.06%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	7.05%	—	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	9.94%	—	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	8.95%	—	—

FLROX vs. LTTIX - Expense Ratio Comparison

FLROX has a 0.22% expense ratio, which is higher than LTTIX's 0.00% 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

FLROX vs. LTTIX - Dividend Comparison

FLROX's dividend yield for the trailing twelve months is around 7.21%, less than LTTIX's 11.54% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FLROX Franklin LifeSmart 2020™ Retirement Target Fund	7.21%	5.98%	3.15%	2.74%	3.97%	9.70%	2.21%	2.66%	3.18%	1.49%	2.55%	3.03%
LTTIX MFS Lifetime 2025 Fund	11.54%	8.13%	7.07%	3.30%	5.88%	7.35%	2.83%	3.68%	4.32%	3.51%	4.03%	1.82%

Frequently Asked Questions

Can I hold both FLROX and LTTIX in my portfolio?

FLROX and LTTIX 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.