Freedom, Freedom Index, or Freedom Blend: Understanding Fidelity’s Confusing Lineup Of Target-Date Funds

September 26th, 2018
52

For beginning investors, I’ve long advocated for target-date funds as a great way to get started with investing.

In a single target-date fund, you are able to get a diversified portfolio in multiple asset classes, including U.S. stocks, international stocks, and U.S. bonds, all with a single fund. The asset allocation of a target-date fund automatically becomes more conservative over time, and it automatically rebalances your portfolio when one asset class does significantly better or worse than another.

However, as simple as target-date funds are to invest in, it’s critical that new investors understand that not all target-date funds contain index funds. Numerous fund companies, including Fidelity, offer high-expense target-date funds that contain actively-managed index funds.

Freedom Blend: A Mix Of Active And Passive

Fidelity introduced a new set of target-date funds, the Fidelity Freedom Blend funds, in August 2018.

The Fidelity Freedom Blend funds are target-date funds that contain both active and passive mutual funds. By comparison, the Fidelity Freedom funds contain only actively managed funds and the Fidelity Freedom Index funds contain only index funds.

Fidelity has blended together active and index mutual funds in creating their Fidelity Freedom Blend funds.

With the Fidelity Freedom Blend funds, Fidelity hopes to attract investors who want a mix of both active and passive investing within a single fund.

Essentially, Fidelity wants to capture investors who can’t decide where they stand in the active vs. passive investing debate, and think the middle ground (a combination of both) would be the best way to invest.

Fidelity Freedom Blend Funds Composition

Fidelity does not disclose the exact portfolio of active and index mutual funds it uses for its Freedom Blend funds. This is similar to what Fidelity does with its Freedom funds.

They do describe in the prospectus the approximate asset allocation they are aiming for with each Freedom Blend fund. However, the fund manager, at their discretion, can deviate from this target allocation by plus or minus 10%.

The typical asset allocation of the target-date fund and the glide path can be derived from the published asset allocation of the Freedom Index Funds, which does not have fund manager discretion.

Target-Date Ticker U.S. Stock Int. Stock Bonds Other
2020 FPIFX 40% 17% 34% 9%
2025 FQIFX 44% 19% 31% 6%
2030 FXIFX 53% 22% 24% 1%
2035 FIHFX 61% 26% 12% 1%
2040 FBIFX 63% 27% 9% 1%
2045 FIOFX 63% 27% 9% 1%
2050 FIPFX 63% 27% 9% 1%
2055 FDEWX 63% 27% 9% 1%
2060 FDKLX 63% 27% 9% 1%

Fidelity Freedom Blend Tickers and Expense Ratios

Here are the ticker symbols of the Freedom, Freedom Index, and Freedom Blend funds by target-date, along with their expense ratios:

Target Date Freedom Freedom Blend Freedom Index
2020 FFFDX (0.61%) FHAVX (0.50%) FPIFX (0.14%)
2025 FFTWX (0.66%) FHAUX (0.51%) FQIFX (0.14%)
2030 FFFEX (0.70%) FHATX (0.52%) FXIFX (0.14%)
2035 FFTHX (0.74%) FHASX (0.53%) FIHFX (0.14%)
2040 FFFFX (0.75%) FHARX (0.54%) FBIFX (0.14%)
2045 FFFGX (0.75%) FHAQX (0.54%) FIOFX (0.14%)
2050 FFFHX (0.75%) FHAPX (0.54%) FIPFX (0.14%)
2055 FDEEX (0.75%) FHAOX (0.54%) FDEWX (0.14%)
2060 FDKVX (0.75%) FHANX (0.54%) FDKLX (0.14%)

And here’s a graph of the expense ratios of the Fidelity target-date funds:

Fidelity Freedom Blend target-date funds offer expense ratios in between the Fidelity Freedom funds (which contain active mutual funds) and the Fidelity Freedom Index funds (which contain index funds)

Conclusion

The Fidelity Freedom Blend funds have the benefits of target-date funds, but contain a mix of both actively-managed and index funds. Because actively-managed funds underperform index funds on average, I would stay away from these funds. For investors wanting to invest in target-date funds at Fidelity, I would strongly recommend their Freedom Index series of target-date funds, which offer the benefits of target-date funds with the lowest fees.

Avoid the new Fidelity Freedom Blend funds; buy the Fidelity Freedom Index funds if you want to invest in a target-date, all-in-one fund. Click To Tweet

What do you think? Who do you think is the target audience for the Fidelity Freedom Blend funds? Do you think the Fidelity Freedom Blend target-date funds will gain traction among investors?

52 COMMENTS

  1. You are missing one last chart: Fidelity Target Date Fund Performance over time. Same chart as expense, comparing the three types, but focused on performance. The two charts would better show the expense trade off for each style.

    • I just realized these funds are new, but Fidelity builds their target funds with other core funds. Is it possible to estimate the historical performance?

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  2. Robert Miele:

    Bill Schultheis, adviser and author of The Coffeehouse Investor, wrote: “Using past performance numbers as a method for choosing mutual funds is such a lousy idea that mutual fund companies are required by law to tell you it is a lousy idea.”

    Best wishes.
    Taylor

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  27. I got scammed of $447k on a bitcoin investment platform. i agree i was stupid. It turned out the platform operated as a Ponzi scheme. I reported to the authorities and was made to write a series of statements which they didn’t follow through nor amount to anything, hence delaying the investigation. I lost my mind completely until a friend recommended me to ALISTER RECOVERY(AT)GMAIL COM a smart contract recovery expert who interceded and helped me recover most of what was swindled, I’m forever grateful sir,

  28. Thank you so much Spyweb Cyber Security Service for assisting me in recovering my stolen cryptocurrency funds. I was devastated and couldn’t grasp what had happened to me when I was locked out of my account but I’m truly grateful for the service of Spyweb Cyber Security Services. The best crypto recovery company.
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  29. In this digital age, one needs to be careful when dealing with digital currencies, I saw an opportunity to invest in cryptocurrencies a few weeks back and I gave it a shot, not knowing I was going to lose all my money after falling victim to a cryptocurrency investment scam, I was logged out of my account and I couldn’t access my investment account of $674,000. I was devastated but luckily for me, I was able to find out about Spyweb Cyber Security Network, a crypto recovery and cyber security company. This company was able to handle my situation and gave me back access to my cryptocurrency funds. I’m truly grateful for their help and professional service.
    Spyweb Cyber Security Network is truly an amazing company that provides the best cryptocurrency recovery services, I promised I was going to recommend them to people who need the same help and this is the recommendation. Spyweb Cyber Security Service will help you recover your cryptocurrency funds without any hassle, get you access to your locked account, and provide so many more services.
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  30. THE ONLY LEGITIMATE CRYPTO RECOVERY EXPERT….!!!

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  31. I’m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, Elite Wizard Bitcoin Recovery, who helped me recover my money from these fake investors. It took Elite Wizard Bitcoin Recovery 48 hours to recover my money and I was able to track down these people. I’m truly grateful for their service and I highly recommend them to anyone with the same problem.

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  32. I’ve lost about $121,000 to a Greenfield Crypto Capital website and two fake ICOs as well but I am sharing my experience here so as to enlighten and educate everyone that is losing money or has lost money to a scam binary options, dating scams and fake ICOs. However, I have been able to recover all the money I lost to the scammers with the help of a recovery professional and I am pleased to inform you that it’s possible to recover lost money from scammers. If you’re a victim of stolen bitcoins or any other cryptocurrency, and you are trying to find ways to get your coins back or your lost funds, feel free to contact Mr. Douglas on His gmail (hackerrone90@gmail.com)and He will guide you on how you can recover your lost funds from scammers

  33. My experience with binary scam broker. I invested 90% of my retirement payment in binary online investment broker Umarket trade option, with the mindset of getting it multiplied and enjoying a better retirement life. It was sweet and smooth from the start, withdrawals were easy and consistent until it gets to a point I started to be denied withdrawals and that was how I was denied access to my invested capital, I couldn’t get my invested amount back not talk of the bonuses. I contacted several lawyers but it was all waste of time and money, they couldn’t render an inch of help. God so good, I found on brokers reviews a certified binary options recovery expert that helped me recover 99% of my investment back from the scam broker, hackerrone90 and his team worked relentlessly to get my refund from the scam broker. You can contact the recovery expert via his email address: hackerrone90 @ GMAIL COM l feel that some people might falling a victim to this online scam brokerage that’s why I want to recommend the recovery team, if you have found yourself in the same situation as mine, I can assure you that it’s possible you can still get your investment back. GOOD LUCK

  34. The productive result from consulting Daniel Meuli regarding the extremely painful and sudden loss of Bitcoin from my crypto wallet is something I can’t talk enough about. Having encountered different firms who failed to help out with some of them making exuberant demands, I thought it was something not possible till I bumped into Daniel Meuli, who amazingly got my lost bitcoin recovered back right into my crypto wallet using their advanced digital technology, as explained to me. I strongly recommend them for crypto loss retrieval of all sort as their expertise have been personally confirmed. Their contact email is Danielmeuliweberecovery (@) email . come;
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  36. Embarking on the digital journey of sharing my travel adventures through a blog was like creating a virtual diary of my explorations. Cyberspacehackpro, with its user-friendly interface, swiftly became the perfect travel companion – intuitive and easy to navigate, enhancing the overall experience of documenting and sharing my wanderlust-filled escapades. The intuitive design of the Cyberspace Hack Pro interface simplified managing my travel blog. Whether curating posts or updating content, the tool’s ease of use made each step a joy. It became more than a utility; it transformed into the seamless bridge that connected my passion for travel with the digital realm, allowing me to share my experiences effortlessly. However, no digital journey is without its challenges. An unexpected data loss incident struck, jeopardizing the memories and stories I had meticulously curated. This setback could have devastated my travel blog, but the Cyberspace Hack Pro feature swiftly came to the rescue. The tool’s efficient data recovery not only salvaged my travel memories but also reinforced the importance of having a reliable companion in the digital landscape. The recovery experience Cyberspace Hack Proo was a testament to its reliability and effectiveness. It not only retrieved lost data but also instilled a renewed sense of trust in my digital diary. The seamless recovery process allowed me to continue my travel blog without missing a beat, reassuring me that my adventures were securely preserved. In the grand tapestry of my digital journey, Cyberspace Hack Pro has proven to be more than just a tool; it’s become my travel blog’s best friend. It has facilitated an enjoyable and intuitive blogging experience and demonstrated its unwavering support during unforeseen challenges. With Cyberspace Hack Pro as my digital ally, my travel memories are not just preserved; they are safeguarded, ensuring that my virtual diary continues to chronicle the exciting chapters of my explorations. Cyberspacehackpro(@) rescue team.  com & Signal +1 (435) 554- 8126 

  37. My name is Deanna Marie Ember, residing in Los Angeles, California, in the United States of America. I would like to express my sincerest gratitude to BRUNOE QUICK HACK services and share my experience to inform others about their exceptional and trustworthy services. They have provided me with outstanding service delivery. With their assistance, I have gained complete access to monitor my husband’s WeChat chat messages. Moreover, I have successfully retrieved and restored all the deleted messages. I am truly grateful for their expertise and support. Here are five examples of how BRUNOE QUICK HACK services have proven to be the real deal and highly reliable:

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  38. FINALLY I GOT MY LOST BITCOIN BACK ALL THANKS TO CRYPTO RECOVERY WIZARD.
    Hello people, I highly recommend the service of Crypto Recovery Wizard to everyone who wishes to recover lost money either bitcoin or other cryptocurrencies from these online scammers, wallet hackers, or if you ever sent bitcoins to the wrong wallet address. I was able to recover my lost bitcoins from online swindlers in less than 24 hours after contacting them. They are the best professional hackers out there and I’m truly thankful for their help in recovering all I lost. If you need their service too, here is their contact information.
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  39. Long are the days of hopelessness after losing your precious bitcoin,a ray of hope in the very dark world of uncertainty of bitcoin recovery has come to an end all thanks to Lee Ultimate hacker, a proven reliable hacker for all your complex bitcoin problems, while in the verge of trading I lost my bitcoin falling into the trap of scammers promising humongous returns,I was devastated almost losing all hope of ever getting back my bitcoin,I started by researching on how I could possibly recover my lost bitcoin I went through several websites doing background research from different feeds and I couldn’t help but notice Lee ultimate hacker popping up distinctively on different platform in regards to recovery,Well I made contact and after thorough consultation and inquiries from The Lee ultimate hacker with professionalism and affirmation they took me through the journey of finally recovering my lost bitcoin,I still can’t fathom how they did it but they did it in a tremendous way.If you have a problem with recovering your lost bitcoin Contact Lee Ultimate hacker via leeultimatehacker@aol.com for your assured recovery.

  40. RECOVERING LOST DIGITAL ASSETS IS GUARANTEED WITH-MOTIVFUNDS RECOVERY One of the most common challenges faced by bitcoin owners is the dreaded lost or forgotten wallet password. It’s easy to forget a complex combination of letters, numbers, and symbols, especially if you have multiple wallets. Losing access to your wallet can result in permanent loss of your bitcoins, unless you have a reliable recovery solution like MOTIVFUNDS RECOVERY. The digital landscape is filled with threats, and bitcoin owners are not immune to them. Malware and cyberattacks can compromise your wallet and steal your hard-earned bitcoins. Recovering from such attacks can be a daunting task, requiring technical expertise and specialized tools. (MOTIVFUNDS RECOVERY) offers a solution that simplifies this process, allowing you to regain control of your bitcoins without having to become a cybersecurity expert. Know more about MOTIVFUNDS RECOVERY through: {tmotivfundsrecovery@gmail.com}

  41. RECOVERING LOST DIGITAL ASSETS IS GUARANTEED WITH-MOTIVFUNDS RECOVERY One of the most common challenges faced by bitcoin owners is the dreaded lost or forgotten wallet password. It’s easy to forget a complex combination of letters, numbers, and symbols, especially if you have multiple wallets. Losing access to your wallet can result in permanent loss of your bitcoins, unless you have a reliable recovery solution like MOTIVFUNDS RECOVERY. The digital landscape is filled with threats, and bitcoin owners are not immune to them. Malware and cyberattacks can compromise your wallet and steal your hard-earned bitcoins. Recovering from such attacks can be a daunting task, requiring technical expertise and specialized tools. (MOTIVFUNDS RECOVERY) offers a solution that simplifies this process, allowing you to regain control of your bitcoins without having to become a cybersecurity expert. Know more about MOTIVFUNDS RECOVERY through: {motivfundsrecovery@gmail.com}

  42. HOW I FINALLY RECOVERED MY LOST CRYPTO: I lost all my crypto to a fake investment scam to someone I met online. I started searching for help legally to recover my funds, and I came across a lot of Testimonies about HACKER STEVE. I contacted him, providing the necessary information and it took him and his team of experts about 36 hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this helps as many out there who are victims. I strongly recommend Steve professional services for assistance with swift and efficient recovery (Crypto, Credit card, Forex, NFT, etc) on Gmail: Hackersteve911@gmail.com | https://hackersteve.great-site.net/

  43. I finally found a legit recovery Team that does not request advance payment, if you have been a victim of stolen crypto like I was reach out to the Gear Head Cyber Panacea Team on their website or (+1 6,0,5. 6,0,3. 9,7,8,3, gearheadcyberpanacea AT g mail. com) for a possible recovery and pay after you they recover your asset.

  44. ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.

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