FSNPX vs. PMTIX

Last updated Apr 2, 2026

Compare and contrast key facts about Fidelity Freedom 2025 Fund Class K (FSNPX) and Principal LifeTime 2030 Fund (PMTIX).

FSNPX is managed by Fidelity. It was launched on Jul 20, 2017. PMTIX is managed by Principal. It was launched on Feb 28, 2001.

Performance

FSNPX vs. PMTIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Freedom 2025 Fund Class K (FSNPX) and Principal LifeTime 2030 Fund (PMTIX). The values are adjusted to include any dividend payments, if applicable.

FSNPX vs. PMTIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FSNPX Fidelity Freedom 2025 Fund Class K	-0.07%	16.64%	8.25%	14.21%	-16.63%	10.22%	11.69%	19.56%	-5.79%	4.22%
PMTIX Principal LifeTime 2030 Fund	-1.40%	13.25%	12.86%	15.11%	-16.81%	12.70%	14.71%	22.40%	-7.45%	6.60%

Returns By Period

In the year-to-date period, FSNPX achieves a -0.07% return, which is significantly higher than PMTIX's -1.40% return.

FSNPX

• 1D: 1.78%
• 1M: -3.94%
• YTD: -0.07%
• 6M: 2.05%
• 1Y: 14.38%
• 3Y*: 10.88%
• 5Y*: 5.01%
• 10Y*: —

PMTIX

• 1D: 1.81%
• 1M: -3.63%
• YTD: -1.40%
• 6M: -0.03%
• 1Y: 10.78%
• 3Y*: 11.38%
• 5Y*: 5.45%
• 10Y*: 8.24%

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

FSNPX vs. PMTIX - Expense Ratio Comparison

FSNPX has a 0.54% expense ratio, which is higher than PMTIX's 0.01% expense ratio.

FSNPX

Fidelity Freedom 2025 Fund Class K

PMTIX

Principal LifeTime 2030 Fund

Return for Risk

FSNPX vs. PMTIX — Risk / Return Rank

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

FSNPX

FSNPX Risk / Return Rank: 78
FSNPX Sharpe Ratio Rank: 78
FSNPX Sortino Ratio Rank: 79
FSNPX Omega Ratio Rank: 78
FSNPX Calmar Ratio Rank: 76
FSNPX Martin Ratio Rank: 78

PMTIX

PMTIX Risk / Return Rank: 58
PMTIX Sharpe Ratio Rank: 57
PMTIX Sortino Ratio Rank: 58
PMTIX Omega Ratio Rank: 55
PMTIX Calmar Ratio Rank: 55
PMTIX Martin Ratio Rank: 66

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.

FSNPX vs. PMTIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Freedom 2025 Fund Class K (FSNPX) and Principal LifeTime 2030 Fund (PMTIX). 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.

	FSNPX	PMTIX	Difference
Sharpe ratio Return per unit of total volatility	1.50	1.13	+0.37
Sortino ratio Return per unit of downside risk	2.12	1.67	+0.46
Omega ratio Gain probability vs. loss probability	1.32	1.24	+0.08
Calmar ratio Return relative to maximum drawdown	1.98	1.50	+0.47
Martin ratio Return relative to average drawdown	8.47	6.98	+1.49
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FSNPX vs. PMTIX - Sharpe Ratio Comparison

The current FSNPX Sharpe Ratio is 1.50, which is higher than the PMTIX Sharpe Ratio of 1.13. The chart below compares the historical Sharpe Ratios of FSNPX and PMTIX, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	FSNPX	PMTIX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.50	1.13	+0.37
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.51	0.52	-0.01
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.74	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.63	0.47	+0.16

Correlation

The correlation between FSNPX and PMTIX is 0.95, 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

FSNPX vs. PMTIX - Dividend Comparison

FSNPX's dividend yield for the trailing twelve months is around 6.49%, less than PMTIX's 9.83% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FSNPX Fidelity Freedom 2025 Fund Class K	6.49%	6.49%	3.94%	2.24%	9.74%	10.44%	3.15%	6.17%	6.56%	1.63%	0.00%	0.00%
PMTIX Principal LifeTime 2030 Fund	9.83%	9.69%	9.60%	4.26%	10.05%	8.87%	6.37%	6.49%	8.21%	5.87%	3.97%	9.44%

Drawdowns

FSNPX vs. PMTIX - Drawdown Comparison

The maximum FSNPX drawdown since its inception was -23.58%, smaller than the maximum PMTIX drawdown of -52.14%. Use the drawdown chart below to compare losses from any high point for FSNPX and PMTIX.

Drawdown Indicators

	FSNPX	PMTIX	Difference
Max Drawdown Largest peak-to-trough decline	-23.58%	-52.14%	+28.56%
Max Drawdown (1Y) Largest decline over 1 year	-7.19%	-7.49%	+0.30%
Max Drawdown (5Y) Largest decline over 5 years	-23.58%	-23.05%	-0.53%
Max Drawdown (10Y) Largest decline over 10 years	—	-25.87%	—
Current Drawdown Current decline from peak	-4.56%	-4.15%	-0.41%
Average Drawdown Average peak-to-trough decline	-4.79%	-6.83%	+2.04%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.68%	1.61%	+0.07%

Volatility

FSNPX vs. PMTIX - Volatility Comparison

Fidelity Freedom 2025 Fund Class K (FSNPX) has a higher volatility of 4.30% compared to Principal LifeTime 2030 Fund (PMTIX) at 3.92%. This indicates that FSNPX's price experiences larger fluctuations and is considered to be riskier than PMTIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FSNPX	PMTIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.30%	3.92%	+0.38%
Volatility (6M) Calculated over the trailing 6-month period	6.13%	5.89%	+0.24%
Volatility (1Y) Calculated over the trailing 1-year period	9.93%	9.92%	+0.01%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	9.86%	10.56%	-0.70%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	10.44%	11.21%	-0.77%