FVGLX vs. LTSTX

Last updated Jun 4, 2026

FVGLX (Fidelity Advisor Freedom 2050 Fund Class Z6) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 5 years, FVGLX returned 10.10%/yr vs 5.67%/yr for LTSTX. With a 0.95 correlation, they move nearly in lockstep. FVGLX charges 0.50%/yr vs 0.01%/yr for LTSTX.

Performance

FVGLX vs. LTSTX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Fidelity Advisor Freedom 2050 Fund Class Z6 (FVGLX) and Principal LifeTime 2025 Fund (LTSTX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, FVGLX achieves a 12.54% return, which is significantly higher than LTSTX's 5.20% return.

FVGLX

• 1D: 0.54%
• 1M: 4.76%
• YTD: 12.54%
• 6M: 14.22%
• 1Y: 28.59%
• 3Y*: 20.17%
• 5Y*: 10.10%
• 10Y*: —

LTSTX

• 1D: 0.17%
• 1M: 2.49%
• YTD: 5.20%
• 6M: 5.33%
• 1Y: 13.74%
• 3Y*: 12.33%
• 5Y*: 5.67%
• 10Y*: 8.05%

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

FVGLX vs. LTSTX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
FVGLX Fidelity Advisor Freedom 2050 Fund Class Z6	12.54%	23.42%	13.93%	19.57%	-17.91%	16.30%	17.89%	26.94%	-8.02%	9.42%
LTSTX Principal LifeTime 2025 Fund	5.20%	12.16%	11.91%	13.30%	-15.23%	10.91%	13.70%	20.50%	-6.41%	7.85%

Correlation

The correlation between FVGLX and LTSTX is 0.95, 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	0.95
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 16, 2017	0.95

The correlation between FVGLX and LTSTX has been stable across timeframes, ranging from 0.94 to 0.95 - a consistent structural relationship.

Return for Risk

FVGLX vs. LTSTX — Risk / Return Rank

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

FVGLX

FVGLX Risk / Return Rank: 61
FVGLX Sharpe Ratio Rank: 61
FVGLX Sortino Ratio Rank: 57
FVGLX Omega Ratio Rank: 59
FVGLX Calmar Ratio Rank: 61
FVGLX Martin Ratio Rank: 67

LTSTX

LTSTX Risk / Return Rank: 53
LTSTX Sharpe Ratio Rank: 50
LTSTX Sortino Ratio Rank: 52
LTSTX Omega Ratio Rank: 54
LTSTX Calmar Ratio Rank: 49
LTSTX Martin Ratio Rank: 60

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.

FVGLX vs. LTSTX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Fidelity Advisor Freedom 2050 Fund Class Z6 (FVGLX) and Principal LifeTime 2025 Fund (LTSTX). 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.

	FVGLX	LTSTX	Difference
Sharpe ratio: Return per unit of total volatility	2.30	2.11	+0.19
Sortino ratio: Return per unit of downside risk	3.19	3.05	+0.13
Omega ratio: Gain probability vs. loss probability	1.43	1.41	+0.02
Calmar ratio: Return relative to maximum drawdown	2.99	2.67	+0.32
Martin ratio: Return relative to average drawdown	13.08	12.06	+1.02
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

FVGLX vs. LTSTX - Sharpe Ratio Comparison

The current FVGLX Sharpe Ratio is 2.30, which is comparable to the LTSTX Sharpe Ratio of 2.11. The chart below compares the historical Sharpe Ratios of FVGLX and LTSTX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	FVGLX	LTSTX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.30	2.11	+0.19
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.68	0.62	+0.06
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.82	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.74	0.48	+0.26

Drawdowns

FVGLX vs. LTSTX - Drawdown Comparison

The maximum FVGLX drawdown since its inception was -31.23%, smaller than the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for FVGLX and LTSTX.

Drawdown Indicators

	FVGLX	LTSTX	Difference
Max Drawdown Largest peak-to-trough decline	-31.23%	-48.17%	+16.94%
Max Drawdown (1Y) Largest decline over 1 year	-9.74%	-5.24%	-4.50%
Max Drawdown (3Y) Largest decline over 3 years	-15.07%	-8.12%	-6.95%
Max Drawdown (5Y) Largest decline over 5 years	-27.17%	-21.01%	-6.16%
Max Drawdown (10Y) Largest decline over 10 years	—	-23.33%	—
Current Drawdown Current decline from peak	0.00%	0.00%	0.00%
Average Drawdown Average peak-to-trough decline	-5.46%	-6.16%	+0.70%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.22%	1.16%	+1.06%

Volatility

FVGLX vs. LTSTX - Volatility Comparison

Fidelity Advisor Freedom 2050 Fund Class Z6 (FVGLX) has a higher volatility of 4.25% compared to Principal LifeTime 2025 Fund (LTSTX) at 2.02%. This indicates that FVGLX's price experiences larger fluctuations and is considered to be riskier than LTSTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	FVGLX	LTSTX	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.25%	2.02%	+2.23%
Volatility (6M) Calculated over the trailing 6-month period	10.39%	5.39%	+5.00%
Volatility (1Y) Calculated over the trailing 1-year period	12.65%	6.64%	+6.01%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.96%	9.18%	+5.78%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.02%	9.83%	+6.19%

FVGLX vs. LTSTX - Expense Ratio Comparison

FVGLX has a 0.50% expense ratio, which is higher than LTSTX's 0.01% expense ratio.

Dividends

FVGLX vs. LTSTX - Dividend Comparison

FVGLX's dividend yield for the trailing twelve months is around 6.82%, less than LTSTX's 11.59% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FVGLX Fidelity Advisor Freedom 2050 Fund Class Z6	6.82%	6.17%	1.91%	1.67%	11.06%	9.69%	5.54%	7.22%	11.92%	3.36%	0.00%	0.00%
LTSTX Principal LifeTime 2025 Fund	11.59%	12.19%	9.74%	4.26%	8.00%	7.66%	5.25%	6.91%	6.39%	4.75%	3.65%	8.91%

Frequently Asked Questions

Can I hold both FVGLX and LTSTX in my portfolio?

With a correlation of 0.95, FVGLX and LTSTX 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.

Which is riskier, FVGLX or LTSTX?

FVGLX has higher volatility (4.25%) compared to LTSTX (2.02%). In terms of maximum drawdown, FVGLX dropped -31.23% vs LTSTX's -48.17%.

Which has better risk-adjusted returns?

FVGLX currently has the higher Sharpe Ratio (2.30 vs 2.11), 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.