- ISIN
- US74686J4765
- Issuer
- Putnam
- Inception Date
- Dec 30, 2019
- Category
- Target Retirement Date
- Min. Investment
- $0
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
PACJX Performance Chart
Putnam Retirement Advantage 2055 Fund (PACJX) is up 9.6% since the beginning of the year. PACJX is currently trading at $14 per share. Investors who bought $1,000 worth of PACJX shares 5 years ago would now be looking at an investment worth $1,698.
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Returns By Period
Putnam Retirement Advantage 2055 Fund (PACJX) has returned 9.61% so far this year and 21.09% over the past 12 months.
Putnam Retirement Advantage 2055 Fund
- 1D
- 1.80%
- 1M
- -0.35%
- 6M
- 6.88%
- YTD
- 9.61%
- 1Y
- 21.09%
- 3Y*
- 18.78%
- 5Y*
- 11.17%
- 10Y*
- —
- ALL TIME*
- 13.16%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
PACJX Monthly Returns History
Based on dividend-adjusted daily data since Jan 2, 2020, PACJX's average daily return is +0.06%, while the average monthly return is +1.14%. At this rate, an investment would double in approximately 5.1 years.
Historically, 66% of months were positive and 34% were negative. The best month was Apr 2020 with a return of +11.1%, while the worst month was Mar 2020 at -13.3%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 3 months.
On a daily basis, PACJX closed higher 52% of trading days. The best single day was Mar 13, 2020 with a return of +7.6%, while the worst single day was Mar 16, 2020 at -10.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.56% | 0.91% | -4.94% | 8.12% | 3.79% | 0.49% | -1.19% | 9.61% | |||||
| 2025 | 2.95% | -0.57% | -4.12% | 0.60% | 5.21% | 4.38% | 0.93% | 2.70% | 3.38% | 1.52% | 0.43% | 0.88% | 19.51% |
| 2024 | -3.30% | 4.55% | 3.71% | -3.41% | 4.88% | 2.41% | 1.35% | 2.74% | 1.54% | -1.59% | 4.53% | -2.47% | 15.39% |
| 2023 | 6.62% | -1.82% | 2.40% | 1.17% | -0.11% | 5.69% | 2.89% | -1.74% | -3.75% | -2.05% | 8.47% | 10.34% | 30.61% |
| 2022 | -4.98% | -2.53% | 1.95% | -7.82% | 0.30% | -8.16% | 7.28% | -3.19% | -8.25% | 6.52% | 6.22% | -4.65% | -17.58% |
| 2021 | 0.00% | 2.62% | 2.73% | 4.06% | 1.43% | 2.20% | 0.77% | 2.67% | -4.38% | 4.66% | -1.78% | 3.40% | 19.58% |
Benchmark Metrics
Putnam Retirement Advantage 2055 Fund has an annualized alpha of 1.59%, beta of 0.84, and R2 of 0.92 versus S&P 500 Index. Calculated based on daily prices since January 02, 2020.
- This fund participated in 88.34% of S&P 500 Index downside but only 88.22% of its upside - more exposed to losses than it benefited from rallies.
- Alpha
- 1.59%
- Beta
- 0.84
- R²
- 0.92
- Upside Capture
- 88.22%
- Downside Capture
- 88.34%
Expense Ratio
PACJX has an expense ratio of 0.45%, placing it in the medium range.
Return for Risk
Risk / Return Rank
PACJX ranks 67 for risk / return — above 67% of mutual funds peers on PortfoliosLab. Its historical combined result is above most peers.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for Putnam Retirement Advantage 2055 Fund (PACJX) and compare them to S&P 500 Index.
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.
| PACJX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.19 | ||
| Sortino ratioReturn per unit of downside risk | +0.29 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.25 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.42 | 2.00 | +0.41 |
| Martin ratioReturn relative to average drawdown | 10.40 | 8.49 | +1.91 |
Dividends
Dividend History
Putnam Retirement Advantage 2055 Fund provided a 9.07% dividend yield over the last twelve months, with an annual payout of $1.28 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Dividend | $1.28 | $1.28 | $0.74 | $0.50 | $0.85 | $2.03 | $0.22 |
Dividend yield | 9.07% | 9.94% | 6.26% | 4.56% | 9.65% | 17.43% | 1.94% |
Monthly Dividends
The table displays the monthly dividend distributions for Putnam Retirement Advantage 2055 Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | |||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.28 | $1.28 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.74 | $0.74 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.50 | $0.50 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.85 | $0.85 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2.03 | $2.03 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Putnam Retirement Advantage 2055 Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Putnam Retirement Advantage 2055 Fund was 32.14%, occurring on Mar 23, 2020. Recovery took 99 trading sessions.
The current Putnam Retirement Advantage 2055 Fund drawdown is 1.39%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-32.14%Mar 2020 | 1mo 4d | 4mo 22d | 5mo 26dFeb 2020 - Aug 2020 | COVID crash2020 |
-24.11%Sep 2022 | 10mo 25d | 1y 2mo | 2y 1moNov 2021 - Dec 2023 | Bear market2022 |
-15.69%Apr 2025 | 1mo 18d | 1mo 27d | 3mo 15dFeb 2025 - Jun 2025 | 2025 selloff2025 |
-8.03%Mar 2026 | 1mo 2d | 15d | 1mo 17dFeb 2026 - Apr 2026 | — |
-7.84%Sep 2020 | 20d | 1mo 17d | 2mo 7dSep 2020 - Nov 2020 | — |
Drawdown Indicators
| PACJX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.14% | -56.78% | +24.64% |
Max Drawdown (1Y)Largest decline over 1 year | -8.03% | -9.10% | +1.07% |
Max Drawdown (3Y)Largest decline over 3 years | -15.69% | -18.90% | +3.21% |
Max Drawdown (5Y)Largest decline over 5 years | -24.11% | -25.43% | +1.32% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -1.39% | -1.58% | +0.19% |
Average DrawdownAverage peak-to-trough decline | -5.33% | -10.70% | +5.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.86% | 2.14% | -0.28% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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