- ISIN
- US7468592552
- Issuer
- Putnam
- Inception Date
- Nov 29, 2010
- Category
- Target Retirement Date
- Min. Investment
- $500
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Growth
Share Price Chart
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Performance
PRTLX Performance Chart
Putnam RetirementReady 2055 Fund (PRTLX) is up 7.2% since the beginning of the year. PRTLX is currently trading at $16 per share. Investors who bought $1,000 worth of PRTLX shares 5 years ago would now be looking at an investment worth $1,554.
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Returns By Period
Putnam RetirementReady 2055 Fund (PRTLX) has returned 7.18% so far this year and 18.83% over the past 12 months. Over the last ten years, PRTLX has returned 10.68% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Putnam RetirementReady 2055 Fund
- 1D
- 1.13%
- 1M
- 1.51%
- YTD
- 7.18%
- 6M
- 6.76%
- 1Y
- 18.83%
- 3Y*
- 15.30%
- 5Y*
- 9.22%
- 10Y*
- 10.68%
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%
PRTLX Monthly Returns History
Based on dividend-adjusted daily data since Aug 3, 2012, PRTLX's average daily return is +0.04%, while the average monthly return is +0.75%. At this rate, an investment would double in approximately 7.7 years.
Historically, 68% of months were positive and 32% were negative. The best month was Apr 2020 with a return of +9.9%, while the worst month was Mar 2020 at -12.3%. The longest winning streak lasted 15 consecutive months, and the longest losing streak was 3 months.
On a daily basis, PRTLX closed higher 52% of trading days. The best single day was Mar 13, 2020 with a return of +6.5%, while the worst single day was Dec 31, 2014 at -12.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.07% | 0.07% | -4.84% | 8.02% | 3.81% | 0.31% | 7.18% | ||||||
| 2025 | 3.85% | -2.64% | -5.13% | 0.93% | 5.28% | 3.71% | 1.05% | 1.04% | 2.75% | 1.74% | 0.79% | -0.25% | 13.42% |
| 2024 | 1.95% | 5.07% | 2.92% | -3.99% | 5.04% | 1.75% | 0.90% | 2.15% | 1.89% | -2.64% | 4.39% | -4.27% | 15.59% |
| 2023 | 6.12% | -2.50% | 2.76% | 0.67% | 0.57% | 4.64% | 2.17% | -1.51% | -4.59% | -1.89% | 9.61% | 5.16% | 22.31% |
| 2022 | -4.61% | -2.21% | 1.84% | -6.98% | 0.35% | -7.48% | 6.66% | -2.94% | -7.44% | 5.96% | 5.72% | -4.27% | -15.71% |
| 2021 | -0.24% | 2.28% | 2.55% | 3.73% | 1.35% | 1.99% | 0.72% | 2.44% | -4.21% | 4.10% | -1.48% | 3.22% | 17.39% |
Benchmark Metrics
Putnam RetirementReady 2055 Fund has an annualized alpha of -1.55%, beta of 0.79, and R2 of 0.83 versus S&P 500 Index. Calculated based on daily prices since August 03, 2012.
- This fund participated in 95.82% of S&P 500 Index downside but only 78.32% of its upside - more exposed to losses than it benefited from rallies.
- Alpha
- -1.55%
- Beta
- 0.79
- R²
- 0.83
- Upside Capture
- 78.32%
- Downside Capture
- 95.82%
Expense Ratio
PRTLX has an expense ratio of 0.03%, which is considered low.
Return for Risk
Risk / Return Rank
PRTLX 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 Putnam RetirementReady 2055 Fund (PRTLX) 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.
| PRTLX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.45 | ||
| Sortino ratioReturn per unit of downside risk | -0.52 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.37 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 2.10 | 2.78 | -0.68 |
| Martin ratioReturn relative to average drawdown | 8.61 | 12.44 | -3.82 |
Dividends
Dividend History
Putnam RetirementReady 2055 Fund provided a 1.57% dividend yield over the last twelve months, with an annual payout of $0.25 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.25 | $0.25 | $0.16 | $0.19 | $0.99 | $1.64 | $0.13 | $0.81 | $1.47 | $0.68 | $0.12 | $0.92 |
Dividend yield | 1.57% | 1.68% | 1.20% | 1.60% | 10.10% | 12.83% | 1.09% | 7.44% | 15.18% | 5.47% | 1.14% | 9.07% |
Monthly Dividends
The table displays the monthly dividend distributions for Putnam RetirementReady 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 | $0.25 | $0.25 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.16 | $0.16 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.19 | $0.19 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.99 | $0.99 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.64 | $1.64 |
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 RetirementReady 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 RetirementReady 2055 Fund was 28.52%, occurring on Mar 23, 2020. Recovery took 99 trading sessions.
The current Putnam RetirementReady 2055 Fund drawdown is 0.43%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -28.52%Mar 2020 | 1mo 4d | 4mo 22d | 5mo 26dFeb 2020 - Aug 2020 |
2016 bear market2016 | -23.49%Feb 2016 | 2y 1mo | 1y 3mo | 3y 4moDec 2013 - May 2017 |
Bear market2022 | -21.71%Sep 2022 | 10mo 25d | 1y 2mo | 2y 1moNov 2021 - Dec 2023 |
Rate-hike selloffLate 2018 | -18.78%Dec 2018 | 10mo 29d | 10mo 26d | 1y 9moJan 2018 - Nov 2019 |
2025 selloff2025 | -18.55%Apr 2025 | 4mo | 2mo 23d | 6mo 23dDec 2024 - Jun 2025 |
Drawdown Indicators
| PRTLX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -28.52% | -56.78% | +28.26% |
Max Drawdown (1Y)Largest decline over 1 year | -8.87% | -9.10% | +0.23% |
Max Drawdown (3Y)Largest decline over 3 years | -18.55% | -18.90% | +0.35% |
Max Drawdown (5Y)Largest decline over 5 years | -21.71% | -25.43% | +3.72% |
Max Drawdown (10Y)Largest decline over 10 years | -28.52% | -33.92% | +5.40% |
Current DrawdownCurrent decline from peak | -0.43% | -1.80% | +1.37% |
Average DrawdownAverage peak-to-trough decline | -5.55% | -10.71% | +5.16% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.16% | 2.03% | +0.13% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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