VTINX vs. FKIFX
VTINX (Vanguard Target Retirement Income Fund) and FKIFX (Fidelity Freedom Index 2010 Fund Investor Class) are both mutual funds - VTINX is a Diversified Portfolio fund managed by Vanguard, while FKIFX is a Target Retirement Date fund managed by Fidelity. Over the past 10 years, VTINX returned 5.33%/yr vs 5.40%/yr for FKIFX. Their correlation of 0.94 suggests significant overlap in exposure. VTINX charges 0.08%/yr vs 0.12%/yr for FKIFX.
Performance
VTINX vs. FKIFX - Performance Comparison
Loading charts...
Returns By Period
The year-to-date returns for both stocks are quite close, with VTINX having a 4.69% return and FKIFX slightly lower at 4.56%. Both investments have delivered pretty close results over the past 10 years, with VTINX having a 5.33% annualized return and FKIFX not far ahead at 5.40%.
VTINX
- 1D
- 0.14%
- 1M
- 2.12%
- YTD
- 4.69%
- 6M
- 4.90%
- 1Y
- 12.16%
- 3Y*
- 9.49%
- 5Y*
- 4.28%
- 10Y*
- 5.33%
FKIFX
- 1D
- 0.14%
- 1M
- 1.92%
- YTD
- 4.56%
- 6M
- 4.71%
- 1Y
- 11.49%
- 3Y*
- 8.58%
- 5Y*
- 3.65%
- 10Y*
- 5.40%
VTINX vs. FKIFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
VTINX Vanguard Target Retirement Income Fund | 4.69% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
FKIFX Fidelity Freedom Index 2010 Fund Investor Class | 4.56% | 10.21% | 5.70% | 9.83% | -12.94% | 5.05% | 10.41% | 14.33% | -2.62% | 9.81% |
Correlation
The correlation between VTINX and FKIFX is 0.96 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.96 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.95 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.97 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since Oct 6, 2009 | 0.94 |
The correlation between VTINX and FKIFX has been stable across timeframes, ranging from 0.94 to 0.97 - a consistent structural relationship.
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
VTINX vs. FKIFX — Risk / Return Rank
VTINX
FKIFX
VTINX vs. FKIFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Target Retirement Income Fund (VTINX) and Fidelity Freedom Index 2010 Fund Investor Class (FKIFX). 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.
| VTINX | FKIFX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.52 | 2.62 | -0.09 |
Sortino ratioReturn per unit of downside risk | 3.70 | 3.83 | -0.12 |
Omega ratioGain probability vs. loss probability | 1.50 | 1.53 | -0.03 |
Calmar ratioReturn relative to maximum drawdown | 2.97 | 3.13 | -0.17 |
Martin ratioReturn relative to average drawdown | 13.09 | 14.06 | -0.97 |
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 charts...
Sharpe Ratios by Period
| VTINX | FKIFX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.52 | 2.62 | -0.09 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.71 | 0.60 | +0.11 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.93 | 0.88 | +0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.93 | 0.85 | +0.08 |
Drawdowns
VTINX vs. FKIFX - Drawdown Comparison
The maximum VTINX drawdown since its inception was -19.96%, which is greater than FKIFX's maximum drawdown of -17.50%. Use the drawdown chart below to compare losses from any high point for VTINX and FKIFX.
Loading charts...
Drawdown Indicators
| VTINX | FKIFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.96% | -17.50% | -2.46% |
Max Drawdown (1Y)Largest decline over 1 year | -4.14% | -3.68% | -0.46% |
Max Drawdown (3Y)Largest decline over 3 years | -5.26% | -5.72% | +0.46% |
Max Drawdown (5Y)Largest decline over 5 years | -17.02% | -17.50% | +0.48% |
Max Drawdown (10Y)Largest decline over 10 years | -17.02% | -17.50% | +0.48% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -2.20% | -2.46% | +0.26% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.94% | 0.82% | +0.12% |
Volatility
VTINX vs. FKIFX - Volatility Comparison
Vanguard Target Retirement Income Fund (VTINX) has a higher volatility of 1.77% compared to Fidelity Freedom Index 2010 Fund Investor Class (FKIFX) at 1.66%. This indicates that VTINX's price experiences larger fluctuations and is considered to be riskier than FKIFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| VTINX | FKIFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.77% | 1.66% | +0.11% |
Volatility (6M)Calculated over the trailing 6-month period | 4.02% | 3.65% | +0.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.88% | 4.41% | +0.47% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.07% | 6.13% | -0.06% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.73% | 6.13% | -0.40% |
VTINX vs. FKIFX - Expense Ratio Comparison
VTINX has a 0.08% expense ratio, which is lower than FKIFX's 0.12% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
VTINX vs. FKIFX - Dividend Comparison
VTINX's dividend yield for the trailing twelve months is around 4.80%, more than FKIFX's 3.74% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FKIFX Fidelity Freedom Index 2010 Fund Investor Class | 3.74% | 4.53% | 4.99% | 3.28% | 3.71% | 3.61% | 2.56% | 16.42% | 4.74% | 1.84% | 1.84% | 1.78% |
VTINX Vanguard Target Retirement Income Fund | 4.80% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
Frequently Asked Questions
With a correlation of 0.96, VTINX and FKIFX 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.
VTINX has higher volatility (1.77%) compared to FKIFX (1.66%). In terms of maximum drawdown, VTINX dropped -19.96% vs FKIFX's -17.50%.
FKIFX currently has the higher Sharpe Ratio (2.62 vs 2.52), 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.
Find the right allocation for VTINX and FKIFX
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer