AAHTX vs. LTFIX
Compare and contrast key facts about American Funds 2045 Target Date Retirement Fund (AAHTX) and Principal LifeTime 2055 Fund (LTFIX).
AAHTX is managed by American Funds. It was launched on Jan 31, 2007. LTFIX is managed by Principal. It was launched on Feb 28, 2008.
Performance
AAHTX vs. LTFIX - Performance Comparison
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AAHTX vs. LTFIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AAHTX American Funds 2045 Target Date Retirement Fund | -5.32% | 20.01% | 14.82% | 19.74% | -18.40% | 16.83% | 18.79% | 24.33% | -5.92% | 22.02% |
LTFIX Principal LifeTime 2055 Fund | -5.21% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
Returns By Period
The year-to-date returns for both investments are quite close, with AAHTX having a -5.32% return and LTFIX slightly higher at -5.21%. Both investments have delivered pretty close results over the past 10 years, with AAHTX having a 10.48% annualized return and LTFIX not far behind at 10.20%.
AAHTX
- 1D
- -0.35%
- 1M
- -8.83%
- YTD
- -5.32%
- 6M
- -2.42%
- 1Y
- 14.99%
- 3Y*
- 13.87%
- 5Y*
- 7.44%
- 10Y*
- 10.48%
LTFIX
- 1D
- -0.30%
- 1M
- -8.30%
- YTD
- -5.21%
- 6M
- -2.99%
- 1Y
- 12.51%
- 3Y*
- 14.10%
- 5Y*
- 7.41%
- 10Y*
- 10.20%
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AAHTX vs. LTFIX - Expense Ratio Comparison
AAHTX has a 0.33% expense ratio, which is higher than LTFIX's 0.01% expense ratio.
Return for Risk
AAHTX vs. LTFIX — Risk / Return Rank
AAHTX
LTFIX
AAHTX vs. LTFIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2045 Target Date Retirement Fund (AAHTX) 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.
| AAHTX | LTFIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.06 | 0.80 | +0.25 |
Sortino ratioReturn per unit of downside risk | 1.58 | 1.24 | +0.34 |
Omega ratioGain probability vs. loss probability | 1.22 | 1.18 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.35 | 0.94 | +0.41 |
Martin ratioReturn relative to average drawdown | 5.97 | 4.55 | +1.42 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| AAHTX | LTFIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.06 | 0.80 | +0.25 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.48 | +0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.72 | 0.65 | +0.08 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.50 | 0.42 | +0.07 |
Correlation
The correlation between AAHTX and LTFIX is 0.97, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
AAHTX vs. LTFIX - Dividend Comparison
AAHTX's dividend yield for the trailing twelve months is around 6.18%, less than LTFIX's 9.21% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AAHTX American Funds 2045 Target Date Retirement Fund | 6.18% | 5.85% | 3.37% | 2.46% | 6.75% | 4.62% | 3.19% | 4.24% | 4.85% | 2.33% | 3.50% | 4.74% |
LTFIX Principal LifeTime 2055 Fund | 9.21% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
Drawdowns
AAHTX vs. LTFIX - Drawdown Comparison
The maximum AAHTX drawdown since its inception was -50.05%, smaller than the maximum LTFIX drawdown of -52.73%. Use the drawdown chart below to compare losses from any high point for AAHTX and LTFIX.
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Drawdown Indicators
| AAHTX | LTFIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -50.05% | -52.73% | +2.68% |
Max Drawdown (1Y)Largest decline over 1 year | -9.81% | -11.48% | +1.67% |
Max Drawdown (5Y)Largest decline over 5 years | -25.83% | -26.80% | +0.97% |
Max Drawdown (10Y)Largest decline over 10 years | -28.92% | -33.50% | +4.58% |
Current DrawdownCurrent decline from peak | -9.20% | -8.71% | -0.49% |
Average DrawdownAverage peak-to-trough decline | -7.14% | -7.70% | +0.56% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.22% | 2.37% | -0.15% |
Volatility
AAHTX vs. LTFIX - Volatility Comparison
The current volatility for American Funds 2045 Target Date Retirement Fund (AAHTX) is 4.30%, while Principal LifeTime 2055 Fund (LTFIX) has a volatility of 4.93%. This indicates that AAHTX 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.
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Volatility by Period
| AAHTX | LTFIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.30% | 4.93% | -0.63% |
Volatility (6M)Calculated over the trailing 6-month period | 8.39% | 8.89% | -0.50% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.19% | 15.73% | -1.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.84% | 15.37% | -1.53% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.52% | 15.77% | -1.25% |