SRJSX vs. LTTIX

Last updated Jul 11, 2026

SRJSX (JPMorgan SmartRetirement 2035 Fund) and LTTIX (MFS Lifetime 2025 Fund) are both Target Retirement Date funds. Their correlation of 0.93 suggests significant overlap in exposure. SRJSX charges 0.25%/yr vs 0.00%/yr for LTTIX.

Performance

SRJSX vs. LTTIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in JPMorgan SmartRetirement 2035 Fund (SRJSX) and MFS Lifetime 2025 Fund (LTTIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

SRJSX

• 1D: 0.61%
• 1M: 0.87%
• 6M: 5.48%
• YTD: 7.34%
• 1Y: 14.68%
• 3Y*: 14.06%
• 5Y*: 6.76%
• 10Y*: 9.22%

LTTIX

• 1D: —
• 1M: —
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

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

SRJSX vs. LTTIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
SRJSX JPMorgan SmartRetirement 2035 Fund	7.34%	15.45%	9.17%	20.02%	-17.43%	13.93%	14.20%	22.39%	-8.85%	20.25%
LTTIX MFS Lifetime 2025 Fund	2.74%	9.29%	6.73%	10.36%	-12.36%	8.61%	10.61%	17.82%	-3.97%	13.16%

Correlation

The correlation between SRJSX and LTTIX is 0.84, 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	0.84
Correlation (3Y) Calculated over the trailing 3-year period	0.86
Correlation (5Y) Calculated over the trailing 5-year period	0.90
Correlation (10Y) Calculated over the trailing 10-year period	0.92
Correlation (All Time) Calculated using the full available price history since Jan 2, 2013	0.93

The correlation between SRJSX and LTTIX has been stable across timeframes, ranging from 0.84 to 0.93 - a consistent structural relationship.

Return for Risk

SRJSX vs. LTTIX — Risk / Return Rank

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

SRJSX

SRJSX Risk / Return Rank: 46
SRJSX Sharpe Ratio Rank: 46
SRJSX Sortino Ratio Rank: 45
SRJSX Omega Ratio Rank: 46
SRJSX Calmar Ratio Rank: 42
SRJSX Martin Ratio Rank: 53

LTTIX

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

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.

SRJSX vs. LTTIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for JPMorgan SmartRetirement 2035 Fund (SRJSX) 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.

	SRJSX	LTTIX	Difference
Sharpe ratio: Return per unit of total volatility	1.51	—	—
Sortino ratio: Return per unit of downside risk	2.17	—	—
Omega ratio: Gain probability vs. loss probability	1.28	—	—
Calmar ratio: Return relative to maximum drawdown	1.99	—	—
Martin ratio: Return relative to average drawdown	8.46	—	—

Drawdowns

Drawdown Indicators

	SRJSX	LTTIX	Difference
Max Drawdown Largest peak-to-trough decline	-51.17%	—	—
Max Drawdown (1Y) Largest decline over 1 year	-7.24%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-11.62%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-23.86%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-29.08%	—	—
Current Drawdown Current decline from peak	-0.47%	—	—
Average Drawdown Average peak-to-trough decline	-7.03%	—	—
Ulcer Index Depth and duration of drawdowns from previous peaks	1.69%	—	—

Volatility

Volatility by Period

	SRJSX	LTTIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.32%	—	—
Volatility (6M) Calculated over the trailing 6-month period	7.99%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	9.52%	—	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	12.10%	—	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	12.93%	—	—

SRJSX vs. LTTIX - Expense Ratio Comparison

SRJSX has a 0.25% expense ratio, which is higher than LTTIX's 0.00% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

SRJSX vs. LTTIX - Dividend Comparison

SRJSX's dividend yield for the trailing twelve months is around 5.45%, less than LTTIX's 11.54% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
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%
SRJSX JPMorgan SmartRetirement 2035 Fund	5.45%	5.85%	4.81%	2.10%	8.75%	16.99%	4.63%	10.04%	5.64%	3.93%	2.84%	3.15%

Frequently Asked Questions

Can I hold both SRJSX and LTTIX in my portfolio?

SRJSX and LTTIX have a correlation of 0.84, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.