- ISIN
- US74253M4649
- CUSIP
- 74253M464
- Issuer
- Principal
- Inception Date
- Feb 28, 2001
- 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
PLWIX Performance Chart
Principal LifeTime 2020 Fund (PLWIX) is up 4.4% since the beginning of the year. PLWIX is currently trading at $13 per share. Investors who bought $1,000 worth of PLWIX shares 5 years ago would now be looking at an investment worth $1,300.
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Returns By Period
Principal LifeTime 2020 Fund (PLWIX) has returned 4.37% so far this year and 11.89% over the past 12 months. Over the last ten years, PLWIX has returned 7.40% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Principal LifeTime 2020 Fund
- 1D
- 0.64%
- 1M
- 1.04%
- YTD
- 4.37%
- 6M
- 4.36%
- 1Y
- 11.89%
- 3Y*
- 11.17%
- 5Y*
- 5.39%
- 10Y*
- 7.40%
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%
PLWIX Monthly Returns History
Based on dividend-adjusted daily data since Mar 2, 2001, PLWIX's average daily return is +0.03%, while the average monthly return is +0.53%. At this rate, an investment would double in approximately 10.9 years.
Historically, 66% of months were positive and 34% were negative. The best month was Apr 2009 with a return of +9.0%, while the worst month was Oct 2008 at -15.7%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 6 months.
On a daily basis, PLWIX closed higher 51% of trading days. The best single day was Oct 13, 2008 with a return of +7.7%, while the worst single day was Oct 15, 2008 at -6.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.40% | 0.98% | -3.30% | 3.58% | 1.61% | 0.16% | 4.37% | ||||||
| 2025 | 2.09% | 0.65% | -1.79% | 0.17% | 2.15% | 2.50% | 0.39% | 1.81% | 1.46% | 0.53% | 0.76% | 0.13% | 11.32% |
| 2024 | 0.08% | 1.42% | 1.97% | -2.58% | 2.48% | 0.65% | 2.08% | 1.73% | 1.39% | -1.90% | 2.48% | 1.93% | 12.21% |
| 2023 | 4.80% | -2.38% | 1.91% | 0.94% | -1.27% | 2.65% | 1.58% | -1.40% | -3.00% | -1.89% | 5.95% | 4.17% | 12.23% |
| 2022 | -3.40% | -1.87% | -0.37% | -5.22% | 0.47% | -5.02% | 4.87% | -3.02% | -6.23% | 2.73% | 4.73% | -2.29% | -14.36% |
| 2021 | -0.76% | 1.39% | 1.10% | 2.79% | 0.86% | 0.79% | 0.91% | 1.03% | -2.42% | 2.61% | -1.53% | 2.06% | 9.05% |
Benchmark Metrics
Principal LifeTime 2020 Fund has an annualized alpha of 1.70%, beta of 0.54, and R2 of 0.82 versus S&P 500 Index. Calculated based on daily prices since March 02, 2001.
- This fund participated in 64.77% of S&P 500 Index downside but only 61.84% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.54 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
- 1.70%
- Beta
- 0.54
- R²
- 0.82
- Upside Capture
- 61.84%
- Downside Capture
- 64.77%
Expense Ratio
PLWIX has an expense ratio of 0.01%, which is considered low.
Return for Risk
Risk / Return Rank
PLWIX ranks 51 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 2020 Fund (PLWIX) 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.
| PLWIX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.13 | ||
| Sortino ratioReturn per unit of downside risk | -0.03 | ||
| Omega ratioGain probability vs. loss probability | 1.36 | 1.37 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 2.50 | 2.78 | -0.29 |
| Martin ratioReturn relative to average drawdown | 10.94 | 12.44 | -1.50 |
Dividends
Dividend History
Principal LifeTime 2020 Fund provided a 9.66% dividend yield over the last twelve months, with an annual payout of $1.22 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.22 | $1.22 | $1.43 | $0.61 | $1.10 | $1.35 | $0.85 | $1.18 | $0.92 | $0.82 | $0.49 | $1.12 |
Dividend yield | 9.66% | 10.08% | 11.91% | 5.12% | 9.82% | 9.40% | 5.90% | 8.69% | 7.35% | 5.74% | 3.73% | 8.75% |
Monthly Dividends
The table displays the monthly dividend distributions for Principal LifeTime 2020 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 | $1.22 | $1.22 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.43 | $1.43 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.61 | $0.61 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.10 | $1.10 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.35 | $1.35 |
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 2020 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 2020 Fund was 49.07%, occurring on Mar 9, 2009. Recovery took 888 trading sessions.
The current Principal LifeTime 2020 Fund drawdown is 0.24%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -49.07%Mar 2009 | 1y 4mo | 3y 6mo | 4y 10moNov 2007 - Sep 2012 |
COVID crash2020 | -20.29%Mar 2020 | 1mo 2d | 4mo | 5mo 2dFeb 2020 - Jul 2020 |
Bear market2022 | -19.73%Oct 2022 | 11mo 8d | 1y 9mo | 2y 8moNov 2021 - Jul 2024 |
Dot-com crash2000–2002 | -15.05%Oct 2002 | 1y 4mo | 7mo 29d | 2y 13dMay 2001 - Jun 2003 |
2016 correction2016 | -12.16%Feb 2016 | 9mo 20d | 6mo 2d | 1y 3moApr 2015 - Aug 2016 |
Drawdown Indicators
| PLWIX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.07% | -56.78% | +7.71% |
Max Drawdown (1Y)Largest decline over 1 year | -4.75% | -9.10% | +4.35% |
Max Drawdown (3Y)Largest decline over 3 years | -6.97% | -18.90% | +11.93% |
Max Drawdown (5Y)Largest decline over 5 years | -19.73% | -25.43% | +5.70% |
Max Drawdown (10Y)Largest decline over 10 years | -20.29% | -33.92% | +13.63% |
Current DrawdownCurrent decline from peak | -0.24% | -1.80% | +1.56% |
Average DrawdownAverage peak-to-trough decline | -5.71% | -10.71% | +5.00% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.08% | 2.03% | -0.95% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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