TCLTX vs. FNSHX
Compare and contrast key facts about TIAA-CREF Lifecycle 2020 Fund (TCLTX) and Fidelity Freedom Income Fund Class K (FNSHX).
TCLTX 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
TCLTX vs. FNSHX - Performance Comparison
Loading graphics...
TCLTX vs. FNSHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TCLTX TIAA-CREF Lifecycle 2020 Fund | -1.20% | 12.09% | 8.17% | 11.68% | -13.76% | 8.19% | 12.11% | 17.49% | -5.43% | 3.04% |
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, TCLTX achieves a -1.20% return, which is significantly lower than FNSHX's 0.45% return.
TCLTX
- 1D
- 1.37%
- 1M
- -3.11%
- YTD
- -1.20%
- 6M
- 0.50%
- 1Y
- 9.92%
- 3Y*
- 8.74%
- 5Y*
- 4.06%
- 10Y*
- 6.35%
FNSHX
- 1D
- 0.98%
- 1M
- -2.22%
- YTD
- 0.45%
- 6M
- 1.62%
- 1Y
- 8.22%
- 3Y*
- 6.53%
- 5Y*
- 2.75%
- 10Y*
- —
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
TCLTX vs. FNSHX - Expense Ratio Comparison
TCLTX has a 0.52% expense ratio, which is higher than FNSHX's 0.42% expense ratio.
Return for Risk
TCLTX vs. FNSHX — Risk / Return Rank
TCLTX
FNSHX
TCLTX vs. FNSHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2020 Fund (TCLTX) 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.
| TCLTX | FNSHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.39 | 1.76 | -0.36 |
Sortino ratioReturn per unit of downside risk | 1.98 | 2.46 | -0.47 |
Omega ratioGain probability vs. loss probability | 1.29 | 1.35 | -0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.83 | 2.34 | -0.52 |
Martin ratioReturn relative to average drawdown | 7.53 | 9.69 | -2.15 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| TCLTX | FNSHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.39 | 1.76 | -0.36 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.53 | +0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.76 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.50 | 0.75 | -0.26 |
Correlation
The correlation between TCLTX and FNSHX is 0.81, 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
TCLTX vs. FNSHX - Dividend Comparison
TCLTX's dividend yield for the trailing twelve months is around 4.54%, more than FNSHX's 3.26% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TCLTX TIAA-CREF Lifecycle 2020 Fund | 4.54% | 4.49% | 3.33% | 2.38% | 5.36% | 7.49% | 4.91% | 3.36% | 6.53% | 2.44% | 5.09% | 4.63% |
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
TCLTX vs. FNSHX - Drawdown Comparison
The maximum TCLTX drawdown since its inception was -44.15%, which is greater than FNSHX's maximum drawdown of -15.87%. Use the drawdown chart below to compare losses from any high point for TCLTX and FNSHX.
Loading graphics...
Drawdown Indicators
| TCLTX | FNSHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -44.15% | -15.87% | -28.28% |
Max Drawdown (1Y)Largest decline over 1 year | -5.39% | -3.68% | -1.71% |
Max Drawdown (5Y)Largest decline over 5 years | -18.99% | -15.87% | -3.12% |
Max Drawdown (10Y)Largest decline over 10 years | -20.39% | — | — |
Current DrawdownCurrent decline from peak | -3.71% | -2.56% | -1.15% |
Average DrawdownAverage peak-to-trough decline | -5.24% | -3.09% | -2.15% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.31% | 0.89% | +0.42% |
Volatility
TCLTX vs. FNSHX - Volatility Comparison
TIAA-CREF Lifecycle 2020 Fund (TCLTX) has a higher volatility of 2.95% compared to Fidelity Freedom Income Fund Class K (FNSHX) at 2.45%. This indicates that TCLTX'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.
Loading graphics...
Volatility by Period
| TCLTX | FNSHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.95% | 2.45% | +0.50% |
Volatility (6M)Calculated over the trailing 6-month period | 4.47% | 3.30% | +1.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.35% | 4.89% | +2.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.61% | 5.27% | +2.34% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.33% | 4.81% | +3.52% |