VTIUX vs. FQLSX
VTIUX (Voya Target Retirement 2065 Fund) and FQLSX (Fidelity Flex Freedom Blend 2055 Fund) are both Target Retirement Date funds. Over the past 5 years, VTIUX returned 7.69%/yr vs 10.72%/yr for FQLSX. Their 0.95 correlation means they have historically moved very closely together. VTIUX charges 0.23%/yr vs 0.00%/yr for FQLSX.
Performance
VTIUX vs. FQLSX - Performance Comparison
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Returns By Period
In the year-to-date period, VTIUX achieves a 11.19% return, which is significantly lower than FQLSX's 12.26% return.
VTIUX
- 1D
- 1.97%
- 1M
- -0.57%
- 6M
- 6.95%
- YTD
- 11.19%
- 1Y
- 23.38%
- 3Y*
- 17.27%
- 5Y*
- 7.69%
- 10Y*
- —
- ALL TIME*
- 11.62%
FQLSX
- 1D
- 2.33%
- 1M
- -1.01%
- 6M
- 8.35%
- YTD
- 12.26%
- 1Y
- 24.67%
- 3Y*
- 18.99%
- 5Y*
- 10.72%
- 10Y*
- —
- ALL TIME*
- 12.05%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
VTIUX vs. FQLSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
VTIUX Voya Target Retirement 2065 Fund | 11.19% | 21.00% | 15.64% | 20.89% | -18.91% | 7.64% | 17.84% |
FQLSX Fidelity Flex Freedom Blend 2055 Fund | 12.26% | 22.80% | 18.08% | 21.04% | -18.58% | 16.89% | 19.48% |
Correlation
The correlation between VTIUX and FQLSX is 0.90, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.90 |
Correlation (3Y) Balances recent behavior with more history. | 0.93 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.95 |
Correlation (All Time) Calculated using the full available price history since Jul 29, 2020 | 0.95 |
The correlation between VTIUX and FQLSX has been stable across timeframes, ranging from 0.90 to 0.95 - a consistent structural relationship.
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Return for Risk
VTIUX vs. FQLSX — Risk / Return Rank
VTIUX
FQLSX
VTIUX vs. FQLSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Voya Target Retirement 2065 Fund (VTIUX) and Fidelity Flex Freedom Blend 2055 Fund (FQLSX). 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.
| VTIUX | FQLSX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.09 | ||
| Sortino ratioReturn per unit of downside risk | +0.18 | ||
| Omega ratioGain probability vs. loss probability | 1.31 | 1.30 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.45 | 2.42 | +0.03 |
| Martin ratioReturn relative to average drawdown | 10.92 | 10.10 | +0.82 |
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Drawdowns
VTIUX vs. FQLSX - Drawdown Comparison
The maximum VTIUX drawdown since its inception was -33.42%, which is greater than FQLSX's maximum drawdown of -31.26%. Use the drawdown chart below to compare losses from any high point for VTIUX and FQLSX.
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Drawdown Indicators
| VTIUX | FQLSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.42% | -31.26% | -2.16% |
Max Drawdown (1Y)Largest decline over 1 year | -9.54% | -9.48% | -0.06% |
Max Drawdown (3Y)Largest decline over 3 years | -16.10% | -15.37% | -0.73% |
Max Drawdown (5Y)Largest decline over 5 years | -33.42% | -27.41% | -6.01% |
Current DrawdownCurrent decline from peak | -2.10% | -2.17% | +0.07% |
Average DrawdownAverage peak-to-trough decline | -8.86% | -5.36% | -3.50% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.07% | 2.27% | -0.20% |
Volatility
VTIUX vs. FQLSX - Volatility Comparison
The current volatility for Voya Target Retirement 2065 Fund (VTIUX) is 3.93%, while Fidelity Flex Freedom Blend 2055 Fund (FQLSX) has a volatility of 4.40%. This indicates that VTIUX experiences smaller price fluctuations and is considered to be less risky than FQLSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| VTIUX | FQLSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.93% | 4.40% | -0.47% |
Volatility (6M)Calculated over the trailing 6-month period | 11.10% | 12.17% | -1.07% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.71% | 14.19% | -0.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.35% | 15.36% | +0.99% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.98% | 16.12% | -0.14% |
VTIUX vs. FQLSX - Expense Ratio Comparison
VTIUX has a 0.23% expense ratio, which is higher than FQLSX'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
VTIUX vs. FQLSX - Dividend Comparison
VTIUX's dividend yield for the trailing twelve months is around 13.27%, more than FQLSX's 4.66% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
FQLSX Fidelity Flex Freedom Blend 2055 Fund | 4.66% | 3.32% | 7.20% | 2.08% | 5.79% | 8.05% | 5.76% | 7.02% | 8.18% | 3.10% |
VTIUX Voya Target Retirement 2065 Fund | 13.27% | 14.75% | 3.18% | 1.82% | 5.43% | 8.07% | 1.41% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
With a correlation of 0.90, VTIUX and FQLSX 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.
FQLSX has higher volatility (4.40%) compared to VTIUX (3.93%). In terms of maximum drawdown, VTIUX dropped -33.42% vs FQLSX's -31.26%.
VTIUX currently has the higher Sharpe Ratio (1.70 vs 1.62), 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.
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