- ISIN
- US74256W2382
- CUSIP
- 74256W238
- Issuer
- Principal
- Inception Date
- Sep 5, 2017
- 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
PLJIX Performance Chart
Principal LifeTime 2065 (PLJIX) is up 9.0% since the beginning of the year. PLJIX is currently trading at $17 per share. Investors who bought $1,000 worth of PLJIX shares 5 years ago would now be looking at an investment worth $1,551.
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Returns By Period
Principal LifeTime 2065 (PLJIX) has returned 8.99% so far this year and 22.17% over the past 12 months.
Principal LifeTime 2065
- 1D
- 1.18%
- 1M
- 1.73%
- YTD
- 8.99%
- 6M
- 8.85%
- 1Y
- 22.17%
- 3Y*
- 16.96%
- 5Y*
- 9.18%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
PLJIX Monthly Returns History
Based on dividend-adjusted daily data since Sep 6, 2017, PLJIX's average daily return is +0.05%, while the average monthly return is +0.96%. At this rate, an investment would double in approximately 6.0 years.
Historically, 67% of months were positive and 33% 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 53% 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% | -5.61% | 7.71% | 3.21% | 0.47% | 8.99% | ||||||
| 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 0.52%, beta of 0.78, and R2 of 0.78 versus S&P 500 Index. Calculated based on daily prices since September 06, 2017.
- This fund participated in 94.42% of S&P 500 Index downside but only 85.74% of its upside - more exposed to losses than it benefited from rallies.
- Alpha
- 0.52%
- Beta
- 0.78
- R²
- 0.78
- Upside Capture
- 85.74%
- Downside Capture
- 94.42%
Expense Ratio
PLJIX has an expense ratio of 0.05%, which is considered low.
Return for Risk
Risk / Return Rank
PLJIX ranks 46 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Principal LifeTime 2065 (PLJIX) 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.
| PLJIX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.28 | ||
| Sortino ratioReturn per unit of downside risk | -0.30 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.37 | -0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.51 | 2.78 | -0.28 |
| Martin ratioReturn relative to average drawdown | 11.03 | 12.44 | -1.40 |
Dividends
Dividend History
Principal LifeTime 2065 provided a 6.31% 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 | 6.31% | 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 | $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 0.64%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -34.13%Mar 2020 | 1mo 2d | 5mo 6d | 6mo 8dFeb 2020 - Aug 2020 |
Bear market2022 | -26.81%Oct 2022 | 11mo 1d | 1y 4mo | 2y 3moNov 2021 - Feb 2024 |
Rate-hike selloffLate 2018 | -19.17%Dec 2018 | 10mo 29d | 5mo 28d | 1y 4moJan 2018 - Jun 2019 |
2025 selloff2025 | -15.72%Apr 2025 | 1mo 18d | 1mo 28d | 3mo 16dFeb 2025 - Jun 2025 |
2026 pullback2026 | -8.72%Mar 2026 | 1mo 2d | 16d | 1mo 18dFeb 2026 - Apr 2026 |
Drawdown Indicators
| PLJIX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.13% | -56.78% | +22.65% |
Max Drawdown (1Y)Largest decline over 1 year | -8.72% | -9.10% | +0.38% |
Max Drawdown (3Y)Largest decline over 3 years | -15.72% | -18.90% | +3.18% |
Max Drawdown (5Y)Largest decline over 5 years | -26.81% | -25.43% | -1.38% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -0.64% | -1.80% | +1.16% |
Average DrawdownAverage peak-to-trough decline | -5.58% | -10.71% | +5.13% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.98% | 2.03% | -0.05% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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