FQIFX vs. SPY
Compare and contrast key facts about Fidelity Freedom Index 2025 Fund Investor Class (FQIFX) and State Street SPDR S&P 500 ETF (SPY).
FQIFX is managed by Fidelity. It was launched on Oct 2, 2009. SPY is a passively managed fund by State Street that tracks the performance of the S&P 500 Index. It was launched on Jan 22, 1993.
Performance
FQIFX vs. SPY - Performance Comparison
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FQIFX vs. SPY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FQIFX Fidelity Freedom Index 2025 Fund Investor Class | -2.31% | 14.84% | 8.49% | 13.88% | -16.54% | 9.52% | 13.56% | 19.63% | -4.51% | 15.15% |
SPY State Street SPDR S&P 500 ETF | -4.37% | 17.72% | 24.89% | 26.18% | -18.18% | 28.73% | 18.33% | 31.22% | -4.57% | 21.71% |
Returns By Period
In the year-to-date period, FQIFX achieves a -2.31% return, which is significantly higher than SPY's -4.37% return. Over the past 10 years, FQIFX has underperformed SPY with an annualized return of 7.21%, while SPY has yielded a comparatively higher 13.98% annualized return.
FQIFX
- 1D
- 0.20%
- 1M
- -5.70%
- YTD
- -2.31%
- 6M
- -0.42%
- 1Y
- 10.87%
- 3Y*
- 9.49%
- 5Y*
- 4.55%
- 10Y*
- 7.21%
SPY
- 1D
- 2.91%
- 1M
- -4.94%
- YTD
- -4.37%
- 6M
- -1.82%
- 1Y
- 17.59%
- 3Y*
- 18.19%
- 5Y*
- 11.69%
- 10Y*
- 13.98%
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FQIFX vs. SPY - Expense Ratio Comparison
FQIFX has a 0.12% expense ratio, which is higher than SPY's 0.09% 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%.
Return for Risk
FQIFX vs. SPY — Risk / Return Rank
FQIFX
SPY
FQIFX vs. SPY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom Index 2025 Fund Investor Class (FQIFX) and State Street SPDR S&P 500 ETF (SPY). 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.
| FQIFX | SPY | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.21 | 0.93 | +0.28 |
Sortino ratioReturn per unit of downside risk | 1.73 | 1.45 | +0.28 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.22 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.55 | 1.53 | +0.02 |
Martin ratioReturn relative to average drawdown | 6.80 | 7.30 | -0.50 |
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
| FQIFX | SPY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.21 | 0.93 | +0.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.48 | 0.69 | -0.21 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | 0.78 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.65 | 0.56 | +0.09 |
Correlation
The correlation between FQIFX and SPY is 0.92, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
FQIFX vs. SPY - Dividend Comparison
FQIFX's dividend yield for the trailing twelve months is around 5.04%, more than SPY's 1.14% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FQIFX Fidelity Freedom Index 2025 Fund Investor Class | 5.04% | 4.92% | 3.36% | 2.37% | 2.64% | 2.10% | 2.38% | 13.76% | 2.31% | 1.83% | 1.88% | 1.93% |
SPY State Street SPDR S&P 500 ETF | 1.14% | 1.07% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% |
Drawdowns
FQIFX vs. SPY - Drawdown Comparison
The maximum FQIFX drawdown since its inception was -22.66%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for FQIFX and SPY.
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Drawdown Indicators
| FQIFX | SPY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -22.66% | -55.19% | +32.53% |
Max Drawdown (1Y)Largest decline over 1 year | -6.77% | -12.05% | +5.28% |
Max Drawdown (5Y)Largest decline over 5 years | -22.66% | -24.50% | +1.84% |
Max Drawdown (10Y)Largest decline over 10 years | -22.66% | -33.72% | +11.06% |
Current DrawdownCurrent decline from peak | -5.79% | -6.24% | +0.45% |
Average DrawdownAverage peak-to-trough decline | -3.92% | -9.09% | +5.17% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.54% | 2.52% | -0.98% |
Volatility
FQIFX vs. SPY - Volatility Comparison
The current volatility for Fidelity Freedom Index 2025 Fund Investor Class (FQIFX) is 3.32%, while State Street SPDR S&P 500 ETF (SPY) has a volatility of 5.31%. This indicates that FQIFX experiences smaller price fluctuations and is considered to be less risky than SPY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FQIFX | SPY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.32% | 5.31% | -1.99% |
Volatility (6M)Calculated over the trailing 6-month period | 5.36% | 9.47% | -4.11% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.18% | 19.05% | -9.87% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.49% | 17.06% | -7.57% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.86% | 17.92% | -8.06% |