- ISIN
- US7425377808
- CUSIP
- 742537780
- Issuer
- Principal
- Inception Date
- Sep 29, 2014
- 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
PLTQX Performance Chart
Principal LifeTime Hybrid 2040 Fund (PLTQX) is up 9.0% since the beginning of the year. PLTQX is currently trading at $18 per share. Investors who bought $1,000 worth of PLTQX shares 5 years ago would now be looking at an investment worth $1,506.
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Returns By Period
Principal LifeTime Hybrid 2040 Fund (PLTQX) has returned 8.98% so far this year and 23.16% over the past 12 months. Over the last ten years, PLTQX has returned 10.49% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
Principal LifeTime Hybrid 2040 Fund
- 1D
- 0.50%
- 1M
- 3.69%
- YTD
- 8.98%
- 6M
- 9.77%
- 1Y
- 23.16%
- 3Y*
- 16.89%
- 5Y*
- 8.54%
- 10Y*
- 10.49%
Benchmark (S&P 500 Index)
- 1D
- 0.13%
- 1M
- 5.25%
- YTD
- 11.16%
- 6M
- 11.43%
- 1Y
- 28.20%
- 3Y*
- 21.12%
- 5Y*
- 12.66%
- 10Y*
- 13.75%
PLTQX Monthly Returns History
Based on dividend-adjusted daily data since Oct 1, 2014, PLTQX's average daily return is +0.04%, while the average monthly return is +0.83%. At this rate, an investment would double in approximately 7.0 years.
Historically, 67% of months were positive and 33% were negative. The best month was Nov 2020 with a return of +9.5%, while the worst month was Mar 2020 at -12.1%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, PLTQX closed higher 52% of trading days. The best single day was Mar 24, 2020 with a return of +6.9%, while the worst single day was Mar 12, 2020 at -8.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.43% | 1.12% | -4.74% | 6.52% | 3.17% | 0.50% | 8.98% | ||||||
| 2025 | 2.72% | -0.00% | -3.44% | -0.21% | 4.47% | 3.82% | 0.82% | 2.58% | 2.94% | 1.37% | 0.70% | 0.50% | 17.25% |
| 2024 | 0.00% | 3.81% | 3.10% | -3.56% | 4.13% | 1.04% | 2.27% | 1.95% | 1.72% | -2.21% | 3.65% | -1.86% | 14.58% |
| 2023 | 6.68% | -2.57% | 2.06% | 0.97% | -1.12% | 5.10% | 2.54% | -2.18% | -4.22% | -2.72% | 7.99% | 5.18% | 18.16% |
| 2022 | -5.04% | -2.45% | 1.18% | -7.37% | 0.30% | -7.56% | 7.46% | -3.96% | -8.31% | 5.93% | 6.40% | -4.38% | -17.90% |
| 2021 | -0.29% | 2.31% | 2.82% | 3.64% | 1.13% | 0.79% | 0.97% | 1.99% | -3.78% | 4.39% | -1.82% | 4.06% | 17.09% |
Benchmark Metrics
Principal LifeTime Hybrid 2040 Fund has an annualized alpha of 0.95%, beta of 0.70, and R2 of 0.79 versus S&P 500 Index. Calculated based on daily prices since October 02, 2014.
- This fund participated in 84.01% of S&P 500 Index downside but only 76.65% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.70 indicates this fund moves significantly less than S&P 500 Index - a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 0.95%
- Beta
- 0.70
- R²
- 0.79
- Upside Capture
- 76.65%
- Downside Capture
- 84.01%
Expense Ratio
PLTQX has an expense ratio of 0.05%, which is considered low.
Return for Risk
Risk / Return Rank
PLTQX ranks 69 for risk / return — better than 69% 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 Principal LifeTime Hybrid 2040 Fund (PLTQX) and compare them to S&P 500 Index.
| PLTQX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.38 | 2.39 | -0.01 |
Sortino ratioReturn per unit of downside risk | 3.36 | 3.25 | +0.11 |
Omega ratioGain probability vs. loss probability | 1.45 | 1.43 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 3.25 | 3.11 | +0.13 |
Martin ratioReturn relative to average drawdown | 14.87 | 14.38 | +0.49 |
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
Principal LifeTime Hybrid 2040 Fund provided a 4.13% dividend yield over the last twelve months, with an annual payout of $0.74 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.74 | $0.74 | $0.62 | $0.42 | $1.04 | $0.77 | $0.54 | $0.48 | $0.47 | $0.28 | $0.24 | $0.16 |
Dividend yield | 4.13% | 4.50% | 4.19% | 3.14% | 8.95% | 5.00% | 3.85% | 3.84% | 4.47% | 2.37% | 2.34% | 1.65% |
Monthly Dividends
The table displays the monthly dividend distributions for Principal LifeTime Hybrid 2040 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 | $0.74 | $0.74 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.62 | $0.62 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.42 | $0.42 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.04 | $1.04 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.77 | $0.77 |
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 Hybrid 2040 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 Principal LifeTime Hybrid 2040 Fund was 29.05%, occurring on Mar 23, 2020. Recovery took 99 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -29.05%Mar 2020 | 1mo 2d | 4mo 22d | 5mo 24dFeb 2020 - Aug 2020 |
Bear market2022 | -24.18%Oct 2022 | 9mo 12d | 1y 4mo | 2y 1moJan 2022 - Feb 2024 |
Rate-hike selloffLate 2018 | -17.15%Dec 2018 | 10mo 29d | 6mo 10d | 1y 5moJan 2018 - Jul 2019 |
2016 correction2016 | -14.37%Feb 2016 | 8mo 25d | 5mo 10d | 1y 2moMay 2015 - Jul 2016 |
2025 selloff2025 | -13.75%Apr 2025 | 1mo 18d | 1mo 29d | 3mo 17dFeb 2025 - Jun 2025 |
Drawdown Indicators
| PLTQX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.05% | -56.78% | +27.73% |
Max Drawdown (1Y)Largest decline over 1 year | -7.29% | -9.10% | +1.81% |
Max Drawdown (3Y)Largest decline over 3 years | -13.75% | -18.90% | +5.15% |
Max Drawdown (5Y)Largest decline over 5 years | -24.18% | -25.43% | +1.25% |
Max Drawdown (10Y)Largest decline over 10 years | -29.05% | -33.92% | +4.87% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -4.41% | -10.72% | +6.31% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.59% | 1.97% | -0.38% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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