TCLFX vs. FNSHX
Compare and contrast key facts about TIAA-CREF Lifecycle 2025 Fund (TCLFX) and Fidelity Freedom Income Fund Class K (FNSHX).
TCLFX is managed by TIAA Investments. It was launched on Oct 14, 2004. FNSHX is managed by Fidelity. It was launched on Jul 20, 2017.
Performance
TCLFX vs. FNSHX - Performance Comparison
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TCLFX vs. FNSHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TCLFX TIAA-CREF Lifecycle 2025 Fund | -1.38% | 12.77% | 8.81% | 12.83% | -14.54% | 9.44% | 13.22% | 19.21% | -6.41% | 3.69% |
FNSHX Fidelity Freedom Income Fund Class K | 0.45% | 10.35% | 4.40% | 8.26% | -11.31% | 3.16% | 9.01% | 10.74% | -1.86% | 0.09% |
Returns By Period
In the year-to-date period, TCLFX achieves a -1.38% return, which is significantly lower than FNSHX's 0.45% return.
TCLFX
- 1D
- 1.49%
- 1M
- -3.41%
- YTD
- -1.38%
- 6M
- 0.36%
- 1Y
- 10.67%
- 3Y*
- 9.37%
- 5Y*
- 4.41%
- 10Y*
- 6.98%
FNSHX
- 1D
- 0.98%
- 1M
- -2.22%
- YTD
- 0.45%
- 6M
- 1.62%
- 1Y
- 8.22%
- 3Y*
- 6.53%
- 5Y*
- 2.75%
- 10Y*
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TCLFX vs. FNSHX - Expense Ratio Comparison
TCLFX has a 0.52% expense ratio, which is higher than FNSHX's 0.42% expense ratio.
Return for Risk
TCLFX vs. FNSHX — Risk / Return Rank
TCLFX
FNSHX
TCLFX vs. FNSHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2025 Fund (TCLFX) and Fidelity Freedom Income Fund Class K (FNSHX). 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.
| TCLFX | FNSHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.34 | 1.76 | -0.42 |
Sortino ratioReturn per unit of downside risk | 1.91 | 2.46 | -0.55 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.35 | -0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.75 | 2.34 | -0.59 |
Martin ratioReturn relative to average drawdown | 7.28 | 9.69 | -2.40 |
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
| TCLFX | FNSHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.34 | 1.76 | -0.42 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.52 | 0.53 | -0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.46 | 0.75 | -0.29 |
Correlation
The correlation between TCLFX and FNSHX is 0.78, 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
TCLFX vs. FNSHX - Dividend Comparison
TCLFX's dividend yield for the trailing twelve months is around 4.88%, more than FNSHX's 3.26% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TCLFX TIAA-CREF Lifecycle 2025 Fund | 4.88% | 4.81% | 3.42% | 2.14% | 5.63% | 7.38% | 4.75% | 3.53% | 6.46% | 2.33% | 5.05% | 4.79% |
FNSHX Fidelity Freedom Income Fund Class K | 3.26% | 3.21% | 3.19% | 2.98% | 5.94% | 6.17% | 4.43% | 3.74% | 5.22% | 0.00% | 0.00% | 0.00% |
Drawdowns
TCLFX vs. FNSHX - Drawdown Comparison
The maximum TCLFX drawdown since its inception was -48.12%, which is greater than FNSHX's maximum drawdown of -15.87%. Use the drawdown chart below to compare losses from any high point for TCLFX and FNSHX.
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Drawdown Indicators
| TCLFX | FNSHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.12% | -15.87% | -32.25% |
Max Drawdown (1Y)Largest decline over 1 year | -5.96% | -3.68% | -2.28% |
Max Drawdown (5Y)Largest decline over 5 years | -20.28% | -15.87% | -4.41% |
Max Drawdown (10Y)Largest decline over 10 years | -22.98% | — | — |
Current DrawdownCurrent decline from peak | -4.09% | -2.56% | -1.53% |
Average DrawdownAverage peak-to-trough decline | -6.02% | -3.09% | -2.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.43% | 0.89% | +0.54% |
Volatility
TCLFX vs. FNSHX - Volatility Comparison
TIAA-CREF Lifecycle 2025 Fund (TCLFX) has a higher volatility of 3.23% compared to Fidelity Freedom Income Fund Class K (FNSHX) at 2.45%. This indicates that TCLFX's price experiences larger fluctuations and is considered to be riskier than FNSHX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TCLFX | FNSHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.23% | 2.45% | +0.78% |
Volatility (6M)Calculated over the trailing 6-month period | 4.98% | 3.30% | +1.68% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.19% | 4.89% | +3.30% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.54% | 5.27% | +3.27% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.61% | 4.81% | +4.80% |