AANTX vs. PTDIX
AANTX (American Funds 2060 Target Date Retirement Fund) and PTDIX (Principal LifeTime 2040 Fund) are both Target Retirement Date funds. Over the past 10 years, AANTX returned 11.99%/yr vs 10.60%/yr for PTDIX. With a 0.96 correlation, they move nearly in lockstep. AANTX charges 0.34%/yr vs 0.01%/yr for PTDIX.
Performance
AANTX vs. PTDIX - Performance Comparison
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Returns By Period
In the year-to-date period, AANTX achieves a 11.03% return, which is significantly higher than PTDIX's 7.32% return. Over the past 10 years, AANTX has outperformed PTDIX with an annualized return of 11.99%, while PTDIX has yielded a comparatively lower 10.60% annualized return.
AANTX
- 1D
- 1.21%
- 1M
- 2.45%
- YTD
- 11.03%
- 6M
- 10.96%
- 1Y
- 25.71%
- 3Y*
- 18.49%
- 5Y*
- 9.95%
- 10Y*
- 11.99%
PTDIX
- 1D
- 1.02%
- 1M
- 1.53%
- YTD
- 7.32%
- 6M
- 7.21%
- 1Y
- 18.66%
- 3Y*
- 16.00%
- 5Y*
- 8.36%
- 10Y*
- 10.60%
AANTX vs. PTDIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AANTX American Funds 2060 Target Date Retirement Fund | 11.03% | 20.36% | 15.28% | 21.14% | -19.92% | 16.90% | 18.94% | 23.64% | -5.93% | 22.21% |
PTDIX Principal LifeTime 2040 Fund | 7.32% | 15.59% | 17.43% | 18.33% | -18.13% | 15.35% | 16.04% | 24.91% | -7.95% | 20.69% |
Correlation
The correlation between AANTX and PTDIX is 0.95 - 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 | 0.95 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.95 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.97 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since Jan 4, 2016 | 0.96 |
The correlation between AANTX and PTDIX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.
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Return for Risk
AANTX vs. PTDIX — Risk / Return Rank
AANTX
PTDIX
AANTX vs. PTDIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2060 Target Date Retirement Fund (AANTX) and Principal LifeTime 2040 Fund (PTDIX). 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.
| AANTX | PTDIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.19 | ||
| Sortino ratioReturn per unit of downside risk | +0.24 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.33 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.59 | 2.52 | +0.06 |
| Martin ratioReturn relative to average drawdown | 11.52 | 10.99 | +0.53 |
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Drawdowns
AANTX vs. PTDIX - Drawdown Comparison
The maximum AANTX drawdown since its inception was -29.42%, smaller than the maximum PTDIX drawdown of -54.38%. Use the drawdown chart below to compare losses from any high point for AANTX and PTDIX.
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Drawdown Indicators
| AANTX | PTDIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.42% | -54.38% | +24.96% |
Max Drawdown (1Y)Largest decline over 1 year | -9.83% | -7.32% | -2.51% |
Max Drawdown (3Y)Largest decline over 3 years | -15.52% | -13.05% | -2.47% |
Max Drawdown (5Y)Largest decline over 5 years | -27.49% | -25.43% | -2.06% |
Max Drawdown (10Y)Largest decline over 10 years | -29.42% | -30.02% | +0.60% |
Current DrawdownCurrent decline from peak | -0.04% | -0.45% | +0.41% |
Average DrawdownAverage peak-to-trough decline | -4.84% | -7.48% | +2.64% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.20% | 1.68% | +0.52% |
Volatility
AANTX vs. PTDIX - Volatility Comparison
American Funds 2060 Target Date Retirement Fund (AANTX) has a higher volatility of 5.28% compared to Principal LifeTime 2040 Fund (PTDIX) at 4.05%. This indicates that AANTX's price experiences larger fluctuations and is considered to be riskier than PTDIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AANTX | PTDIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.28% | 4.05% | +1.23% |
Volatility (6M)Calculated over the trailing 6-month period | 10.70% | 8.56% | +2.14% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.88% | 10.36% | +2.52% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.85% | 13.58% | +1.27% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.18% | 13.86% | +1.32% |
AANTX vs. PTDIX - Expense Ratio Comparison
AANTX has a 0.34% expense ratio, which is higher than PTDIX's 0.01% expense ratio.
Dividends
AANTX vs. PTDIX - Dividend Comparison
AANTX's dividend yield for the trailing twelve months is around 4.79%, less than PTDIX's 9.13% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AANTX American Funds 2060 Target Date Retirement Fund | 4.79% | 5.32% | 3.07% | 2.12% | 6.21% | 3.50% | 2.57% | 2.52% | 3.50% | 1.56% | 2.33% | 0.00% |
PTDIX Principal LifeTime 2040 Fund | 9.13% | 9.80% | 12.28% | 4.40% | 8.61% | 8.92% | 6.01% | 7.26% | 9.28% | 6.07% | 4.86% | 6.73% |
Frequently Asked Questions
With a correlation of 0.95, AANTX and PTDIX 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.
AANTX has higher volatility (5.28%) compared to PTDIX (4.05%). In terms of maximum drawdown, AANTX dropped -29.42% vs PTDIX's -54.38%.
AANTX currently has the higher Sharpe Ratio (1.97 vs 1.78), 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.
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