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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Principal LifeTime 2065, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Returns By Period
Principal LifeTime 2065 (PLJIX) has returned -5.23% so far this year and 12.48% over the past 12 months.
Principal LifeTime 2065
- 1D
- -0.27%
- 1M
- -8.32%
- YTD
- -5.23%
- 6M
- -3.02%
- 1Y
- 12.48%
- 3Y*
- 13.60%
- 5Y*
- 7.16%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Sep 6, 2017, PLJIX's average daily return is +0.04%, while the average monthly return is +0.86%. At this rate, your investment would double in approximately 6.7 years.
Historically, 66% of months were positive and 34% were negative. The best month was Nov 2020 with a return of +11.9%, while the worst month was Mar 2020 at -15.2%. The longest winning streak lasted 10 consecutive months, and the longest losing streak was 3 months.
On a daily basis, PLJIX closed higher 52% of trading days. The best single day was Mar 24, 2020 with a return of +8.7%, while the worst single day was Mar 12, 2020 at -9.3%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.68% | 0.68% | -8.32% | -5.23% | |||||||||
| 2025 | 3.86% | -0.47% | -4.01% | 0.00% | 5.16% | 4.17% | 1.03% | 2.56% | 2.18% | 0.85% | 1.03% | 0.43% | 17.76% |
| 2024 | 0.15% | 4.05% | 3.38% | -3.84% | 3.77% | 0.71% | 2.40% | 2.28% | 1.62% | -2.13% | 4.48% | -1.71% | 15.83% |
| 2023 | 7.47% | -2.98% | 1.71% | 1.42% | -1.57% | 6.05% | 3.01% | -2.46% | -4.41% | -2.80% | 8.99% | 5.29% | 20.27% |
| 2022 | -5.42% | -3.08% | 1.18% | -7.88% | 0.63% | -8.11% | 7.80% | -4.13% | -9.04% | 6.75% | 7.17% | -4.47% | -18.82% |
| 2021 | -0.92% | 3.81% | 2.62% | 4.53% | 1.26% | 0.97% | 1.02% | 2.10% | -4.17% | 4.98% | -3.03% | 4.14% | 18.18% |
Benchmark Metrics
Principal LifeTime 2065 has an annualized alpha of 0.49%, beta of 0.77, and R² of 0.78 versus S&P 500 Index. Calculated based on daily prices since September 07, 2017.
- This fund participated in 95.35% of S&P 500 Index downside but only 87.18% of its upside — more exposed to losses than it benefited from rallies.
- Alpha
- 0.49%
- Beta
- 0.77
- R²
- 0.78
- Upside Capture
- 87.18%
- Downside Capture
- 95.35%
Expense Ratio
PLJIX has an expense ratio of 0.05%, which is considered low.
Return for Risk
Risk / Return Rank
PLJIX ranks 36 for risk / return — below 36% of mutual funds on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Principal LifeTime 2065 (PLJIX) and compare them to a chosen benchmark (S&P 500 Index).
| PLJIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.80 | 0.90 | -0.09 |
Sortino ratioReturn per unit of downside risk | 1.24 | 1.39 | -0.15 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.21 | -0.03 |
Calmar ratioReturn relative to maximum drawdown | 0.94 | 1.40 | -0.46 |
Martin ratioReturn relative to average drawdown | 4.57 | 6.61 | -2.03 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore PLJIX risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
Principal LifeTime 2065 provided a 7.25% dividend yield over the last twelve months, with an annual payout of $1.08 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.08 | $1.08 | $0.86 | $0.47 | $0.74 | $0.57 | $0.32 | $0.44 | $0.31 | $0.20 |
Dividend yield | 7.25% | 6.88% | 6.05% | 3.59% | 6.54% | 3.83% | 2.45% | 3.83% | 3.34% | 1.87% |
Monthly Dividends
The table displays the monthly dividend distributions for Principal LifeTime 2065. 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 | |||||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.08 | $1.08 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.86 | $0.86 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.47 | $0.47 |
| 2022 | $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 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.57 | $0.57 |
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 Principal LifeTime 2065. 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 Principal LifeTime 2065 was 34.13%, occurring on Mar 23, 2020. Recovery took 109 trading sessions.
The current Principal LifeTime 2065 drawdown is 8.72%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -34.13% | Feb 20, 2020 | 23 | Mar 23, 2020 | 109 | Aug 26, 2020 | 132 |
| -26.81% | Nov 17, 2021 | 229 | Oct 14, 2022 | 339 | Feb 22, 2024 | 568 |
| -19.17% | Jan 29, 2018 | 229 | Dec 24, 2018 | 122 | Jun 20, 2019 | 351 |
| -15.72% | Feb 19, 2025 | 35 | Apr 8, 2025 | 40 | Jun 5, 2025 | 75 |
| -8.72% | Feb 26, 2026 | 23 | Mar 30, 2026 | — | — | — |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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