FPGLX vs. PHTMX

Last updated Jul 15, 2026

FPGLX (Fidelity Advisor Freedom 2025 Fund Class Z6) and PHTMX (Principal LifeTime Hybrid 2015 Fund) are both Target Retirement Date funds. Their correlation of 0.95 suggests significant overlap in exposure. FPGLX charges 0.44%/yr vs 0.05%/yr for PHTMX.

Performance

FPGLX vs. PHTMX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Advisor Freedom 2025 Fund Class Z6 (FPGLX) and Principal LifeTime Hybrid 2015 Fund (PHTMX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

FPGLX

• 1D: -0.92%
• 1M: -0.43%
• 6M: 4.53%
• YTD: 6.38%
• 1Y: 13.78%
• 3Y*: 13.18%
• 5Y*: 6.15%
• 10Y*: —

PHTMX

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

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

FPGLX vs. PHTMX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FPGLX Fidelity Advisor Freedom 2025 Fund Class Z6	6.38%	16.44%	12.27%	13.69%	-16.47%	10.08%	14.32%	20.49%	-5.30%	5.32%
PHTMX Principal LifeTime Hybrid 2015 Fund	4.29%	11.23%	7.87%	11.09%	-13.61%	7.83%	11.84%	15.18%	-4.52%	5.23%

Correlation

The correlation between FPGLX and PHTMX is 0.91, 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	0.91
Correlation (3Y) Calculated over the trailing 3-year period	0.94
Correlation (5Y) Calculated over the trailing 5-year period	0.95
Correlation (All Time) Calculated using the full available price history since Jun 15, 2017	0.95

The correlation between FPGLX and PHTMX has been stable across timeframes, ranging from 0.91 to 0.95 - a consistent structural relationship.

Return for Risk

FPGLX vs. PHTMX — Risk / Return Rank

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

FPGLX

FPGLX Risk / Return Rank: 54
FPGLX Sharpe Ratio Rank: 52
FPGLX Sortino Ratio Rank: 52
FPGLX Omega Ratio Rank: 56
FPGLX Calmar Ratio Rank: 51
FPGLX Martin Ratio Rank: 60

PHTMX

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.

FPGLX vs. PHTMX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2025 Fund Class Z6 (FPGLX) and Principal LifeTime Hybrid 2015 Fund (PHTMX). 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.

	FPGLX	PHTMX	Difference
Sharpe ratio: Return per unit of total volatility	1.60	—	—
Sortino ratio: Return per unit of downside risk	2.26	—	—
Omega ratio: Gain probability vs. loss probability	1.30	—	—
Calmar ratio: Return relative to maximum drawdown	2.18	—	—
Martin ratio: Return relative to average drawdown	9.17	—	—

Drawdowns

Drawdown Indicators

	FPGLX	PHTMX	Difference
Max Drawdown Largest peak-to-trough decline	-23.49%	—	—
Max Drawdown (1Y) Largest decline over 1 year	-6.41%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-8.64%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-23.49%	—	—
Current Drawdown Current decline from peak	-1.62%	—	—
Average Drawdown Average peak-to-trough decline	-4.59%	—	—
Ulcer Index Depth and duration of drawdowns from previous peaks	1.52%	—	—

Volatility

Volatility by Period

	FPGLX	PHTMX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.39%	—	—
Volatility (6M) Calculated over the trailing 6-month period	7.61%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	8.77%	—	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	10.17%	—	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	10.52%	—	—

FPGLX vs. PHTMX - Expense Ratio Comparison

FPGLX has a 0.44% expense ratio, which is higher than PHTMX's 0.05% expense ratio.

Dividends

FPGLX vs. PHTMX - Dividend Comparison

FPGLX's dividend yield for the trailing twelve months is around 8.29%, more than PHTMX's 5.36% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FPGLX Fidelity Advisor Freedom 2025 Fund Class Z6	8.29%	8.20%	7.99%	2.43%	9.35%	9.53%	6.46%	6.91%	10.08%	2.56%	0.00%	0.00%
PHTMX Principal LifeTime Hybrid 2015 Fund	5.36%	4.41%	3.87%	3.45%	5.20%	5.53%	4.89%	3.11%	2.24%	2.33%	2.00%	1.61%

Frequently Asked Questions

Can I hold both FPGLX and PHTMX in my portfolio?

With a correlation of 0.91, FPGLX and PHTMX 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.