LTSTX vs. FHBZX

Last updated Jun 23, 2026

LTSTX (Principal LifeTime 2025 Fund) and FHBZX (Fidelity Freedom Blend Income Fund) are both Target Retirement Date funds. Over the past 5 years, LTSTX returned 5.71%/yr vs 3.07%/yr for FHBZX. A 0.79 correlation means they provide meaningful diversification when combined. LTSTX charges 0.01%/yr vs 0.41%/yr for FHBZX.

Performance

LTSTX vs. FHBZX - Performance Comparison

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

Returns By Period

The year-to-date returns for both investments are quite close, with LTSTX having a 4.92% return and FHBZX slightly higher at 5.02%.

LTSTX

• 1D: 0.70%
• 1M: 1.14%
• YTD: 4.92%
• 6M: 4.88%
• 1Y: 13.15%
• 3Y*: 11.63%
• 5Y*: 5.71%
• 10Y*: 8.09%

FHBZX

• 1D: 0.56%
• 1M: 1.26%
• YTD: 5.02%
• 6M: 5.10%
• 1Y: 10.95%
• 3Y*: 7.68%
• 5Y*: 3.07%
• 10Y*: —

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

LTSTX vs. FHBZX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018
LTSTX Principal LifeTime 2025 Fund	4.92%	12.16%	11.91%	13.30%	-15.23%	10.91%	13.70%	20.50%	-9.18%
FHBZX Fidelity Freedom Blend Income Fund	5.02%	10.12%	4.11%	8.07%	-11.70%	2.84%	8.57%	10.47%	-2.39%

Correlation

The correlation between LTSTX and FHBZX is 0.91, 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	0.91
Correlation (3Y) Calculated over the trailing 3-year period	0.85
Correlation (5Y) Calculated over the trailing 5-year period	0.81
Correlation (All Time) Calculated using the full available price history since Aug 31, 2018	0.79

The correlation between LTSTX and FHBZX shifts across timeframes, from 0.79 (all time) to 0.91 (1 year), reflecting how their relationship changes across market environments.

Return for Risk

LTSTX vs. FHBZX — Risk / Return Rank

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

LTSTX

LTSTX Risk / Return Rank: 50
LTSTX Sharpe Ratio Rank: 47
LTSTX Sortino Ratio Rank: 48
LTSTX Omega Ratio Rank: 51
LTSTX Calmar Ratio Rank: 47
LTSTX Martin Ratio Rank: 59

FHBZX

FHBZX Risk / Return Rank: 72
FHBZX Sharpe Ratio Rank: 71
FHBZX Sortino Ratio Rank: 73
FHBZX Omega Ratio Rank: 77
FHBZX Calmar Ratio Rank: 68
FHBZX Martin Ratio Rank: 72

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.

LTSTX vs. FHBZX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2025 Fund (LTSTX) and Fidelity Freedom Blend Income Fund (FHBZX). 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.

	LTSTX	FHBZX	Difference
Sharpe ratio: Return per unit of total volatility	1.86	2.25	-0.39
Sortino ratio: Return per unit of downside risk	2.67	3.25	-0.58
Omega ratio: Gain probability vs. loss probability	1.36	1.46	-0.10
Calmar ratio: Return relative to maximum drawdown	2.50	3.03	-0.53
Martin ratio: Return relative to average drawdown	11.09	12.95	-1.86

LTSTX vs. FHBZX - Sharpe Ratio Comparison

The current LTSTX Sharpe Ratio is 1.86, which is comparable to the FHBZX Sharpe Ratio of 2.25. The chart below compares the historical Sharpe Ratios of LTSTX and FHBZX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

LTSTX vs. FHBZX - Drawdown Comparison

The maximum LTSTX drawdown since its inception was -48.17%, which is greater than FHBZX's maximum drawdown of -16.21%. Use the drawdown chart below to compare losses from any high point for LTSTX and FHBZX.

Drawdown Indicators

	LTSTX	FHBZX	Difference
Max Drawdown Largest peak-to-trough decline	-48.17%	-16.21%	-31.96%
Max Drawdown (1Y) Largest decline over 1 year	-5.24%	-3.63%	-1.61%
Max Drawdown (3Y) Largest decline over 3 years	-8.12%	-5.03%	-3.09%
Max Drawdown (5Y) Largest decline over 5 years	-21.01%	-16.21%	-4.80%
Max Drawdown (10Y) Largest decline over 10 years	-23.33%	—	—
Current Drawdown Current decline from peak	-0.26%	0.00%	-0.26%
Average Drawdown Average peak-to-trough decline	-6.14%	-3.30%	-2.84%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.18%	0.85%	+0.33%

Volatility

LTSTX vs. FHBZX - Volatility Comparison

Principal LifeTime 2025 Fund (LTSTX) has a higher volatility of 2.81% compared to Fidelity Freedom Blend Income Fund (FHBZX) at 2.22%. This indicates that LTSTX's price experiences larger fluctuations and is considered to be riskier than FHBZX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	LTSTX	FHBZX	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.81%	2.22%	+0.59%
Volatility (6M) Calculated over the trailing 6-month period	5.88%	4.27%	+1.61%
Volatility (1Y) Calculated over the trailing 1-year period	7.03%	4.89%	+2.14%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	9.23%	5.45%	+3.78%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	9.84%	5.04%	+4.80%

LTSTX vs. FHBZX - Expense Ratio Comparison

LTSTX has a 0.01% expense ratio, which is lower than FHBZX's 0.41% expense ratio.

Dividends

LTSTX vs. FHBZX - Dividend Comparison

LTSTX's dividend yield for the trailing twelve months is around 11.62%, more than FHBZX's 2.92% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
FHBZX Fidelity Freedom Blend Income Fund	2.92%	3.25%	3.03%	2.85%	4.58%	3.94%	2.57%	2.36%	1.26%	0.00%	0.00%	0.00%
LTSTX Principal LifeTime 2025 Fund	11.62%	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 LTSTX and FHBZX in my portfolio?

With a correlation of 0.91, LTSTX and FHBZX 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, LTSTX or FHBZX?

LTSTX has higher volatility (2.81%) compared to FHBZX (2.22%). In terms of maximum drawdown, LTSTX dropped -48.17% vs FHBZX's -16.21%.

Which has better risk-adjusted returns?

FHBZX currently has the higher Sharpe Ratio (2.25 vs 1.86), 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.