AADHX vs. LTFIX

Last updated Jun 24, 2026

AADHX (American Century One Choice Blend+ 2045 Portfolio) and LTFIX (Principal LifeTime 2055 Fund) are both Target Retirement Date funds. Over the past 5 years, AADHX returned 7.59%/yr vs 9.07%/yr for LTFIX. With a 0.97 correlation, they move nearly in lockstep. AADHX charges 0.58%/yr vs 0.01%/yr for LTFIX.

Performance

AADHX vs. LTFIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in American Century One Choice Blend+ 2045 Portfolio (AADHX) and Principal LifeTime 2055 Fund (LTFIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

The year-to-date returns for both stocks are quite close, with AADHX having a 8.90% return and LTFIX slightly lower at 8.64%.

AADHX

• 1D: -0.23%
• 1M: 0.86%
• YTD: 8.90%
• 6M: 8.26%
• 1Y: 21.79%
• 3Y*: 16.08%
• 5Y*: 7.59%
• 10Y*: —

LTFIX

• 1D: -0.31%
• 1M: 1.44%
• YTD: 8.64%
• 6M: 8.07%
• 1Y: 20.87%
• 3Y*: 18.13%
• 5Y*: 9.07%
• 10Y*: 11.93%

*Multi-year figures are annualized to reflect compound growth (CAGR)

AADHX vs. LTFIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
AADHX American Century One Choice Blend+ 2045 Portfolio	8.90%	18.02%	13.03%	15.62%	-16.57%	8.63%
LTFIX Principal LifeTime 2055 Fund	8.64%	17.80%	17.28%	20.33%	-18.84%	13.44%

Correlation

The correlation between AADHX and LTFIX is 0.97 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.97
Correlation (3Y) Calculated over the trailing 3-year period	0.95
Correlation (5Y) Calculated over the trailing 5-year period	0.97
Correlation (All Time) Calculated using the full available price history since Mar 10, 2021	0.97

The correlation between AADHX and LTFIX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.

Return for Risk

AADHX vs. LTFIX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

AADHX

AADHX Risk / Return Rank: 64
AADHX Sharpe Ratio Rank: 65
AADHX Sortino Ratio Rank: 62
AADHX Omega Ratio Rank: 63
AADHX Calmar Ratio Rank: 61
AADHX Martin Ratio Rank: 68

LTFIX

LTFIX Risk / Return Rank: 46
LTFIX Sharpe Ratio Rank: 42
LTFIX Sortino Ratio Rank: 40
LTFIX Omega Ratio Rank: 42
LTFIX Calmar Ratio Rank: 48
LTFIX Martin Ratio Rank: 59

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

AADHX vs. LTFIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for American Century One Choice Blend+ 2045 Portfolio (AADHX) and Principal LifeTime 2055 Fund (LTFIX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

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.

	AADHX	LTFIX	Difference
Sharpe ratio: Return per unit of total volatility	2.17	1.75	+0.41
Sortino ratio: Return per unit of downside risk	3.02	2.46	+0.56
Omega ratio: Gain probability vs. loss probability	1.40	1.32	+0.08
Calmar ratio: Return relative to maximum drawdown	2.86	2.52	+0.34
Martin ratio: Return relative to average drawdown	12.35	11.09	+1.27

AADHX vs. LTFIX - Sharpe Ratio Comparison

The current AADHX Sharpe Ratio is 2.17, which is comparable to the LTFIX Sharpe Ratio of 1.75. The chart below compares the historical Sharpe Ratios of AADHX and LTFIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

AADHX vs. LTFIX - Drawdown Comparison

The maximum AADHX drawdown since its inception was -25.04%, smaller than the maximum LTFIX drawdown of -52.73%. Use the drawdown chart below to compare losses from any high point for AADHX and LTFIX.

Drawdown Indicators

	AADHX	LTFIX	Difference
Max Drawdown Largest peak-to-trough decline	-25.04%	-52.73%	+27.69%
Max Drawdown (1Y) Largest decline over 1 year	-7.97%	-8.71%	+0.74%
Max Drawdown (3Y) Largest decline over 3 years	-13.61%	-15.70%	+2.09%
Max Drawdown (5Y) Largest decline over 5 years	-25.04%	-26.80%	+1.76%
Max Drawdown (10Y) Largest decline over 10 years	—	-33.50%	—
Current Drawdown Current decline from peak	-0.69%	-0.94%	+0.25%
Average Drawdown Average peak-to-trough decline	-6.29%	-7.62%	+1.33%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.84%	1.98%	-0.14%

Volatility

AADHX vs. LTFIX - Volatility Comparison

The current volatility for American Century One Choice Blend+ 2045 Portfolio (AADHX) is 3.92%, while Principal LifeTime 2055 Fund (LTFIX) has a volatility of 4.84%. This indicates that AADHX experiences smaller price fluctuations and is considered to be less risky than LTFIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	AADHX	LTFIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.92%	4.84%	-0.92%
Volatility (6M) Calculated over the trailing 6-month period	8.59%	10.34%	-1.75%
Volatility (1Y) Calculated over the trailing 1-year period	10.53%	12.55%	-2.02%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.22%	15.57%	-2.35%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	13.05%	15.88%	-2.83%

AADHX vs. LTFIX - Expense Ratio Comparison

AADHX has a 0.58% expense ratio, which is higher than LTFIX's 0.01% expense ratio.

Dividends

AADHX vs. LTFIX - Dividend Comparison

AADHX's dividend yield for the trailing twelve months is around 3.60%, less than LTFIX's 8.03% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
AADHX American Century One Choice Blend+ 2045 Portfolio	3.60%	3.92%	4.29%	2.09%	3.15%	2.78%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
LTFIX Principal LifeTime 2055 Fund	8.03%	8.73%	8.47%	4.17%	8.60%	5.83%	3.91%	6.03%	6.60%	3.51%	3.99%	4.51%

Frequently Asked Questions

Can I hold both AADHX and LTFIX in my portfolio?

With a correlation of 0.97, AADHX and LTFIX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, AADHX or LTFIX?

LTFIX has higher volatility (4.84%) compared to AADHX (3.92%). In terms of maximum drawdown, AADHX dropped -25.04% vs LTFIX's -52.73%.

Which has better risk-adjusted returns?

AADHX currently has the higher Sharpe Ratio (2.17 vs 1.75), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.