- 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 11.2% 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 $1,770.
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Returns By Period
Putnam Retirement Advantage 2055 Fund (PACJX) has returned 11.16% so far this year and 26.86% over the past 12 months.
Putnam Retirement Advantage 2055 Fund
- 1D
- 0.35%
- 1M
- 4.82%
- YTD
- 11.16%
- 6M
- 12.06%
- 1Y
- 26.86%
- 3Y*
- 21.74%
- 5Y*
- 12.10%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.74%
- 1M
- 4.90%
- YTD
- 10.35%
- 6M
- 10.28%
- 1Y
- 26.52%
- 3Y*
- 20.83%
- 5Y*
- 12.30%
- 10Y*
- 13.66%
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 +1.17%. At this rate, an investment would double in approximately 5.0 years.
Historically, 67% of months were positive and 33% 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% | 0.70% | 11.16% | ||||||
| 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 1.69%, beta of 0.84, and R2 of 0.92 versus S&P 500 Index. Calculated based on daily prices since January 03, 2020.
- This fund participated in 88.64% of S&P 500 Index downside but only 88.47% of its upside - more exposed to losses than it benefited from rallies.
- Alpha
- 1.69%
- Beta
- 0.84
- R²
- 0.92
- Upside Capture
- 88.47%
- Downside Capture
- 88.64%
Expense Ratio
PACJX has an expense ratio of 0.45%, placing it in the medium range.
Return for Risk
Risk / Return Rank
PACJX ranks 73 for risk / return — better than 73% of mutual funds on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Putnam Retirement Advantage 2055 Fund (PACJX) and compare them to S&P 500 Index.
| PACJX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.27 | ||
| Sortino ratioReturn per unit of downside risk | +0.42 | ||
| Omega ratioGain probability vs. loss probability | 1.46 | 1.41 | +0.06 |
| Calmar ratioReturn relative to maximum drawdown | 3.40 | 2.93 | +0.47 |
| Martin ratioReturn relative to average drawdown | 15.45 | 13.52 | +1.92 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
Putnam Retirement Advantage 2055 Fund provided a 8.95% 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 | 8.95% | 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 | ||||||
| 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.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -32.14%Mar 2020 | 1mo 4d | 4mo 22d | 5mo 26dFeb 2020 - Aug 2020 |
Bear market2022 | -24.11%Sep 2022 | 10mo 25d | 1y 2mo | 2y 1moNov 2021 - Dec 2023 |
2025 selloff2025 | -15.69%Apr 2025 | 1mo 18d | 1mo 27d | 3mo 15dFeb 2025 - Jun 2025 |
2026 pullback2026 | -8.03%Mar 2026 | 1mo 2d | 15d | 1mo 17dFeb 2026 - Apr 2026 |
2020 pullback2020 | -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 | 0.00% | -0.74% | +0.74% |
Average DrawdownAverage peak-to-trough decline | -5.43% | -10.72% | +5.29% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.76% | 1.97% | -0.21% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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