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LFTHX vs. LTTIX
Performance
Return for Risk
Drawdowns
Volatility
Dividends

LFTHX vs. LTTIX

Last updated Jun 24, 2026

LFTHX (MFS Lifetime 2065 Fund) and LTTIX (MFS Lifetime 2025 Fund) are both Target Retirement Date funds from MFS. Over the past 3 years, LFTHX returned 16.73%/yr vs 8.33%/yr for LTTIX. Their correlation of 0.88 suggests significant overlap in exposure. Both charge a 0.00% expense ratio.

Performance

LFTHX vs. LTTIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in MFS Lifetime 2065 Fund (LFTHX) and MFS Lifetime 2025 Fund (LTTIX). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, LFTHX achieves a 10.75% return, which is significantly higher than LTTIX's 2.74% return.

LFTHX

1D
0.00%
1M
1.93%
YTD
10.75%
6M
9.85%
1Y
20.86%
3Y*
16.73%
5Y*
—
10Y*
—

LTTIX

1D
0.00%
1M
0.08%
YTD
2.74%
6M
2.59%
1Y
8.04%
3Y*
8.33%
5Y*
3.72%
10Y*
6.24%
*Multi-year figures are annualized to reflect compound growth (CAGR)

LFTHX vs. LTTIX - Yearly Performance Comparison

2026 (YTD)20252024202320222021
LFTHX
MFS Lifetime 2065 Fund		10.75%16.16%13.28%17.00%-16.00%1.95%
LTTIX
MFS Lifetime 2025 Fund		2.74%9.29%6.73%10.36%-12.36%0.77%

Correlation

The correlation between LFTHX and LTTIX is 0.86, 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

0.86

Correlation (3Y)
Calculated over the trailing 3-year period

0.85

Correlation (All Time)
Calculated using the full available price history since Sep 1, 2021

0.88

The correlation between LFTHX and LTTIX has been stable across timeframes, ranging from 0.85 to 0.88 - a consistent structural relationship.

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MFS Lifetime 2065 Fund

MFS Lifetime 2025 Fund

Often compared with LFTHX:
LFTHX vs. SCHBLFTHX vs. SWYOXLFTHX vs. LTIUXLFTHX vs. FIRMXLFTHX vs. FYTKXLFTHX vs. MDIJXLFTHX vs. MIGFX
Often compared with LTTIX:
LTTIX vs. VOOLTTIX vs. TRRHXLTTIX vs. JRLVXLTTIX vs. JIEHXLTTIX vs. MINIXLTTIX vs. MEIIXLTTIX vs. FIRMX

Return for Risk

LFTHX vs. LTTIX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
LFTHX
LFTHX Risk / Return Rank: 5252
Overall Rank
LFTHX Sharpe Ratio Rank: 5151
Sharpe Ratio Rank
LFTHX Sortino Ratio Rank: 5050
Sortino Ratio Rank
LFTHX Omega Ratio Rank: 5151
Omega Ratio Rank
LFTHX Calmar Ratio Rank: 5050
Calmar Ratio Rank
LFTHX Martin Ratio Rank: 5858
Martin Ratio Rank
LTTIX
LTTIX Risk / Return Rank: 6161
Overall Rank
LTTIX Sharpe Ratio Rank: 6464
Sharpe Ratio Rank
LTTIX Sortino Ratio Rank: 7171
Sortino Ratio Rank
LTTIX Omega Ratio Rank: 6969
Omega Ratio Rank
LTTIX Calmar Ratio Rank: 4646
Calmar Ratio Rank
LTTIX Martin Ratio Rank: 5656
Martin Ratio Rank
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.

LFTHX vs. LTTIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for MFS Lifetime 2065 Fund (LFTHX) and MFS Lifetime 2025 Fund (LTTIX). 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.

LFTHXLTTIXDifference
Sharpe ratioReturn per unit of total volatility
1.95
2.16

-0.20

Sortino ratioReturn per unit of downside risk
2.74
3.20

-0.46

Omega ratioGain probability vs. loss probability

1.36

1.42

-0.06

Calmar ratioReturn relative to maximum drawdown

2.59

2.47

+0.12

Martin ratioReturn relative to average drawdown

10.90

10.68

+0.22

LFTHX vs. LTTIX - Sharpe Ratio Comparison

The current LFTHX Sharpe Ratio is 1.95, which is comparable to the LTTIX Sharpe Ratio of 2.16. The chart below compares the historical Sharpe Ratios of LFTHX and LTTIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Drawdowns

LFTHX vs. LTTIX - Drawdown Comparison

The maximum LFTHX drawdown since its inception was -23.48%, which is greater than LTTIX's maximum drawdown of -19.33%. Use the drawdown chart below to compare losses from any high point for LFTHX and LTTIX.

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Drawdown Indicators

LFTHXLTTIXDifference

Max Drawdown

Largest peak-to-trough decline

-23.48%

-19.33%

-4.15%

Max Drawdown (1Y)

Largest decline over 1 year

-8.32%

-3.64%

-4.68%

Max Drawdown (3Y)

Largest decline over 3 years

-14.57%

-5.77%

-8.80%

Max Drawdown (5Y)

Largest decline over 5 years

—

-16.92%

—

Max Drawdown (10Y)

Largest decline over 10 years

—

-19.33%

—

Current Drawdown

Current decline from peak

-0.41%

-0.45%

+0.04%

Average Drawdown

Average peak-to-trough decline

-5.75%

-2.68%

-3.07%

Ulcer Index

Depth and duration of drawdowns from previous peaks

1.97%

0.84%

+1.13%

Volatility

LFTHX vs. LTTIX - Volatility Comparison

MFS Lifetime 2065 Fund (LFTHX) has a higher volatility of 3.92% compared to MFS Lifetime 2025 Fund (LTTIX) at 1.34%. This indicates that LFTHX's price experiences larger fluctuations and is considered to be riskier than LTTIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

LFTHXLTTIXDifference

Volatility (1M)

Calculated over the trailing 1-month period

3.92%

1.34%

+2.58%

Volatility (6M)

Calculated over the trailing 6-month period

8.88%

3.32%

+5.56%

Volatility (1Y)

Calculated over the trailing 1-year period

11.04%

4.18%

+6.86%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

14.29%

6.37%

+7.92%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

14.29%

7.24%

+7.05%

LFTHX vs. LTTIX - Expense Ratio Comparison

LFTHX has a 0.00% expense ratio, which is lower than LTTIX's 0.00% 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%.

Dividends

LFTHX vs. LTTIX - Dividend Comparison

LFTHX's dividend yield for the trailing twelve months is around 4.58%, less than LTTIX's 11.54% yield.

PositionTTM20252024202320222021202020192018201720162015
LFTHX
MFS Lifetime 2065 Fund		4.58%5.08%3.63%2.18%4.02%4.23%0.00%0.00%0.00%0.00%0.00%0.00%
LTTIX
MFS Lifetime 2025 Fund		11.54%8.13%7.07%3.30%5.88%7.35%2.83%3.68%4.32%3.51%4.03%1.82%

Frequently Asked Questions

LFTHX and LTTIX have a correlation of 0.86, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

LFTHX has higher volatility (3.92%) compared to LTTIX (1.34%). In terms of maximum drawdown, LFTHX dropped -23.48% vs LTTIX's -19.33%.

LTTIX currently has the higher Sharpe Ratio (2.16 vs 1.95), 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.

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