FLTKX vs. LTTIX
FLTKX (Franklin LifeSmart 2055 Retirement Target Fund) and LTTIX (MFS Lifetime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, FLTKX returned 11.44%/yr vs 6.24%/yr for LTTIX. Their correlation of 0.87 suggests significant overlap in exposure. FLTKX charges 0.24%/yr vs 0.00%/yr for LTTIX.
Performance
FLTKX vs. LTTIX - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, FLTKX achieves a 11.99% return, which is significantly higher than LTTIX's 2.74% return. Over the past 10 years, FLTKX has outperformed LTTIX with an annualized return of 11.44%, while LTTIX has yielded a comparatively lower 6.24% annualized return.
FLTKX
- 1D
- 1.29%
- 1M
- 2.84%
- YTD
- 11.99%
- 6M
- 12.64%
- 1Y
- 28.30%
- 3Y*
- 19.23%
- 5Y*
- 11.03%
- 10Y*
- 11.44%
LTTIX
- 1D
- 0.00%
- 1M
- 0.31%
- YTD
- 2.74%
- 6M
- 2.84%
- 1Y
- 8.28%
- 3Y*
- 8.33%
- 5Y*
- 3.72%
- 10Y*
- 6.24%
FLTKX vs. LTTIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FLTKX Franklin LifeSmart 2055 Retirement Target Fund | 11.99% | 21.87% | 16.05% | 19.58% | -17.27% | 17.56% | 16.18% | 22.67% | -7.16% | 17.32% |
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 FLTKX and LTTIX is 0.80, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.80 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.80 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.85 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.87 |
Correlation (All Time) Calculated using the full available price history since Jan 4, 2016 | 0.87 |
The correlation between FLTKX and LTTIX has been stable across timeframes, ranging from 0.80 to 0.87 - a consistent structural relationship.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
FLTKX vs. LTTIX — Risk / Return Rank
FLTKX
LTTIX
FLTKX vs. LTTIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Franklin LifeSmart 2055 Retirement Target Fund (FLTKX) 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.
| FLTKX | LTTIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.05 | ||
| Sortino ratioReturn per unit of downside risk | -0.18 | ||
| Omega ratioGain probability vs. loss probability | 1.41 | 1.42 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 2.95 | 2.47 | +0.48 |
| Martin ratioReturn relative to average drawdown | 12.93 | 10.68 | +2.25 |
Loading charts...
Drawdowns
FLTKX vs. LTTIX - Drawdown Comparison
The maximum FLTKX drawdown since its inception was -35.72%, which is greater than LTTIX's maximum drawdown of -19.33%. Use the drawdown chart below to compare losses from any high point for FLTKX and LTTIX.
Loading charts...
Drawdown Indicators
| FLTKX | LTTIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -35.72% | -19.33% | -16.39% |
Max Drawdown (1Y)Largest decline over 1 year | -9.63% | -3.64% | -5.99% |
Max Drawdown (3Y)Largest decline over 3 years | -15.73% | -5.77% | -9.96% |
Max Drawdown (5Y)Largest decline over 5 years | -35.72% | -16.92% | -18.80% |
Max Drawdown (10Y)Largest decline over 10 years | -35.72% | -19.33% | -16.39% |
Current DrawdownCurrent decline from peak | -0.27% | -0.45% | +0.18% |
Average DrawdownAverage peak-to-trough decline | -7.15% | -2.68% | -4.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.19% | 0.84% | +1.35% |
Volatility
FLTKX vs. LTTIX - Volatility Comparison
Franklin LifeSmart 2055 Retirement Target Fund (FLTKX) has a higher volatility of 5.21% compared to MFS Lifetime 2025 Fund (LTTIX) at 1.34%. This indicates that FLTKX's price experiences larger fluctuations and is considered to be riskier than LTTIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| FLTKX | LTTIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.21% | 1.34% | +3.87% |
Volatility (6M)Calculated over the trailing 6-month period | 10.80% | 3.32% | +7.48% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.86% | 4.18% | +8.68% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.14% | 6.37% | +11.77% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.72% | 7.24% | +9.48% |
FLTKX vs. LTTIX - Expense Ratio Comparison
FLTKX has a 0.24% 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
FLTKX vs. LTTIX - Dividend Comparison
FLTKX's dividend yield for the trailing twelve months is around 5.28%, less than LTTIX's 11.54% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FLTKX Franklin LifeSmart 2055 Retirement Target Fund | 5.28% | 5.86% | 2.70% | 2.31% | 4.02% | 19.28% | 2.35% | 2.08% | 3.98% | 0.54% | 1.87% | 0.00% |
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
FLTKX and LTTIX have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FLTKX has higher volatility (5.21%) compared to LTTIX (1.34%). In terms of maximum drawdown, FLTKX dropped -35.72% vs LTTIX's -19.33%.
FLTKX currently has the higher Sharpe Ratio (2.21 vs 2.16), 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.
Find the right allocation for FLTKX and LTTIX
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer