LFIIX vs. SPY
Compare and contrast key facts about MFS Lifetime 2055 Fund (LFIIX) and State Street SPDR S&P 500 ETF (SPY).
LFIIX is managed by MFS. It was launched on Nov 1, 2012. 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
LFIIX vs. SPY - Performance Comparison
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LFIIX vs. SPY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LFIIX MFS Lifetime 2055 Fund | -2.66% | 16.32% | 13.17% | 16.86% | -15.66% | 20.39% | 13.28% | 26.76% | -7.89% | 21.19% |
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, LFIIX achieves a -2.66% return, which is significantly higher than SPY's -4.37% return. Over the past 10 years, LFIIX has underperformed SPY with an annualized return of 10.09%, while SPY has yielded a comparatively higher 13.98% annualized return.
LFIIX
- 1D
- -0.24%
- 1M
- -7.99%
- YTD
- -2.66%
- 6M
- -1.00%
- 1Y
- 13.33%
- 3Y*
- 12.62%
- 5Y*
- 7.60%
- 10Y*
- 10.09%
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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LFIIX vs. SPY - Expense Ratio Comparison
LFIIX has a 0.00% expense ratio, which is lower than SPY's 0.09% expense ratio. Despite the difference, 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
LFIIX vs. SPY — Risk / Return Rank
LFIIX
SPY
LFIIX vs. SPY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for MFS Lifetime 2055 Fund (LFIIX) 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.
| LFIIX | SPY | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.94 | 0.93 | +0.02 |
Sortino ratioReturn per unit of downside risk | 1.38 | 1.45 | -0.08 |
Omega ratioGain probability vs. loss probability | 1.20 | 1.22 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.08 | 1.53 | -0.44 |
Martin ratioReturn relative to average drawdown | 5.05 | 7.30 | -2.25 |
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
| LFIIX | SPY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.94 | 0.93 | +0.02 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.55 | 0.69 | -0.14 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.68 | 0.78 | -0.10 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.68 | 0.56 | +0.11 |
Correlation
The correlation between LFIIX and SPY is 0.94, 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
LFIIX vs. SPY - Dividend Comparison
LFIIX's dividend yield for the trailing twelve months is around 7.02%, more than SPY's 1.14% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LFIIX MFS Lifetime 2055 Fund | 7.02% | 6.84% | 4.56% | 3.56% | 6.36% | 8.07% | 2.32% | 3.79% | 3.50% | 2.69% | 2.70% | 1.33% |
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
LFIIX vs. SPY - Drawdown Comparison
The maximum LFIIX drawdown since its inception was -32.79%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for LFIIX and SPY.
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Drawdown Indicators
| LFIIX | SPY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.79% | -55.19% | +22.40% |
Max Drawdown (1Y)Largest decline over 1 year | -11.00% | -12.05% | +1.05% |
Max Drawdown (5Y)Largest decline over 5 years | -23.17% | -24.50% | +1.33% |
Max Drawdown (10Y)Largest decline over 10 years | -32.79% | -33.72% | +0.93% |
Current DrawdownCurrent decline from peak | -8.35% | -6.24% | -2.11% |
Average DrawdownAverage peak-to-trough decline | -3.91% | -9.09% | +5.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.36% | 2.52% | -0.16% |
Volatility
LFIIX vs. SPY - Volatility Comparison
The current volatility for MFS Lifetime 2055 Fund (LFIIX) is 4.06%, while State Street SPDR S&P 500 ETF (SPY) has a volatility of 5.31%. This indicates that LFIIX 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
| LFIIX | SPY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.06% | 5.31% | -1.25% |
Volatility (6M)Calculated over the trailing 6-month period | 7.92% | 9.47% | -1.55% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.22% | 19.05% | -4.83% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.89% | 17.06% | -3.17% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.91% | 17.92% | -3.01% |