LTFIX vs. FFFCX
LTFIX (Principal LifeTime 2055 Fund) and FFFCX (Fidelity Freedom 2010 Fund) are both Target Retirement Date funds. Over the past 10 years, LTFIX returned 11.24%/yr vs 5.49%/yr for FFFCX. Their correlation of 0.91 means they have usually moved in the same direction. LTFIX charges 0.01%/yr vs 0.49%/yr for FFFCX.
Performance
LTFIX vs. FFFCX - Performance Comparison
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Returns By Period
In the year-to-date period, LTFIX achieves a 8.75% return, which is significantly higher than FFFCX's 4.24% return. Over the past 10 years, LTFIX has outperformed FFFCX with an annualized return of 11.24%, while FFFCX has yielded a comparatively lower 5.49% annualized return.
LTFIX
- 1D
- 1.71%
- 1M
- 0.48%
- 6M
- 5.91%
- YTD
- 8.75%
- 1Y
- 18.10%
- 3Y*
- 16.06%
- 5Y*
- 8.75%
- 10Y*
- 11.24%
- ALL TIME*
- 8.34%
FFFCX
- 1D
- 0.79%
- 1M
- -0.72%
- 6M
- 2.71%
- YTD
- 4.24%
- 1Y
- 8.85%
- 3Y*
- 8.02%
- 5Y*
- 3.24%
- 10Y*
- 5.49%
- ALL TIME*
- 6.00%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
LTFIX vs. FFFCX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 8.75% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
FFFCX Fidelity Freedom 2010 Fund | 4.24% | 11.39% | 5.26% | 9.82% | -13.21% | 5.64% | 11.09% | 14.34% | -3.74% | 12.48% |
Correlation
The correlation between LTFIX and FFFCX is 0.89, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.89 |
Correlation (3Y) Balances recent behavior with more history. | 0.81 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.81 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.85 |
Correlation (All Time) Calculated using the full available price history since Feb 29, 2008 | 0.91 |
The correlation between LTFIX and FFFCX has been stable across timeframes, ranging from 0.81 to 0.91 - a consistent structural relationship.
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Return for Risk
LTFIX vs. FFFCX — Risk / Return Rank
LTFIX
FFFCX
LTFIX vs. FFFCX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2055 Fund (LTFIX) and Fidelity Freedom 2010 Fund (FFFCX). 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.
| LTFIX | FFFCX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.37 | ||
| Sortino ratioReturn per unit of downside risk | -0.52 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.31 | -0.09 |
| Calmar ratioReturn relative to maximum drawdown | 1.84 | 2.26 | -0.42 |
| Martin ratioReturn relative to average drawdown | 7.90 | 9.16 | -1.25 |
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Drawdowns
LTFIX vs. FFFCX - Drawdown Comparison
The maximum LTFIX drawdown since its inception was -52.73%, which is greater than FFFCX's maximum drawdown of -36.88%. Use the drawdown chart below to compare losses from any high point for LTFIX and FFFCX.
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Drawdown Indicators
| LTFIX | FFFCX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.73% | -36.88% | -15.85% |
Max Drawdown (1Y)Largest decline over 1 year | -8.71% | -4.00% | -4.71% |
Max Drawdown (3Y)Largest decline over 3 years | -15.70% | -4.77% | -10.93% |
Max Drawdown (5Y)Largest decline over 5 years | -26.80% | -18.35% | -8.45% |
Max Drawdown (10Y)Largest decline over 10 years | -33.50% | -18.35% | -15.15% |
Current DrawdownCurrent decline from peak | -0.83% | -1.23% | +0.40% |
Average DrawdownAverage peak-to-trough decline | -7.58% | -4.55% | -3.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.03% | 0.98% | +1.05% |
Volatility
LTFIX vs. FFFCX - Volatility Comparison
Principal LifeTime 2055 Fund (LTFIX) has a higher volatility of 3.49% compared to Fidelity Freedom 2010 Fund (FFFCX) at 1.76%. This indicates that LTFIX's price experiences larger fluctuations and is considered to be riskier than FFFCX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTFIX | FFFCX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.49% | 1.76% | +1.73% |
Volatility (6M)Calculated over the trailing 6-month period | 10.64% | 4.92% | +5.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.88% | 5.60% | +7.28% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.60% | 6.49% | +9.11% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.80% | 6.27% | +9.53% |
LTFIX vs. FFFCX - Expense Ratio Comparison
LTFIX has a 0.01% expense ratio, which is lower than FFFCX's 0.49% expense ratio.
Dividends
LTFIX vs. FFFCX - Dividend Comparison
LTFIX's dividend yield for the trailing twelve months is around 8.02%, more than FFFCX's 4.70% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FFFCX Fidelity Freedom 2010 Fund | 4.70% | 4.97% | 2.99% | 2.72% | 7.23% | 9.33% | 6.01% | 5.78% | 6.98% | 4.82% | 3.22% | 3.68% |
LTFIX Principal LifeTime 2055 Fund | 8.02% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
Frequently Asked Questions
LTFIX and FFFCX have a correlation of 0.89, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LTFIX has higher volatility (3.49%) compared to FFFCX (1.76%). In terms of maximum drawdown, LTFIX dropped -52.73% vs FFFCX's -36.88%.
FFFCX currently has the higher Sharpe Ratio (1.62 vs 1.25), 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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