AAOTX vs. LTRIX
Compare and contrast key facts about American Funds 2065 Target Date Retirement Fund Class A (AAOTX) and Principal LifeTime 2045 Fund (LTRIX).
AAOTX is managed by American Funds. LTRIX is managed by Principal. It was launched on Feb 28, 2008.
Performance
AAOTX vs. LTRIX - Performance Comparison
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AAOTX vs. LTRIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
AAOTX American Funds 2065 Target Date Retirement Fund Class A | -6.04% | 20.36% | 15.20% | 21.16% | -19.94% | 16.85% | 46.68% |
LTRIX Principal LifeTime 2045 Fund | -2.17% | 16.69% | 16.90% | 19.40% | -18.51% | 16.55% | 46.87% |
Returns By Period
In the year-to-date period, AAOTX achieves a -6.04% return, which is significantly lower than LTRIX's -2.17% return.
AAOTX
- 1D
- -0.42%
- 1M
- -8.99%
- YTD
- -6.04%
- 6M
- -3.55%
- 1Y
- 14.88%
- 3Y*
- 14.08%
- 5Y*
- 7.24%
- 10Y*
- —
LTRIX
- 1D
- 2.69%
- 1M
- -4.79%
- YTD
- -2.17%
- 6M
- -0.41%
- 1Y
- 14.32%
- 3Y*
- 14.59%
- 5Y*
- 7.34%
- 10Y*
- 10.08%
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AAOTX vs. LTRIX - Expense Ratio Comparison
AAOTX has a 0.73% expense ratio, which is higher than LTRIX's 0.01% expense ratio.
Return for Risk
AAOTX vs. LTRIX — Risk / Return Rank
AAOTX
LTRIX
AAOTX vs. LTRIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2065 Target Date Retirement Fund Class A (AAOTX) and Principal LifeTime 2045 Fund (LTRIX). 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.
| AAOTX | LTRIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.02 | 1.02 | 0.00 |
Sortino ratioReturn per unit of downside risk | 1.53 | 1.54 | -0.01 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.22 | -0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.31 | 1.39 | -0.08 |
Martin ratioReturn relative to average drawdown | 5.72 | 6.65 | -0.93 |
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
| AAOTX | LTRIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.02 | 1.02 | 0.00 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.51 | -0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.68 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.92 | 0.44 | +0.47 |
Correlation
The correlation between AAOTX and LTRIX 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
AAOTX vs. LTRIX - Dividend Comparison
AAOTX's dividend yield for the trailing twelve months is around 4.69%, less than LTRIX's 9.51% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AAOTX American Funds 2065 Target Date Retirement Fund Class A | 4.69% | 4.41% | 2.52% | 1.71% | 3.67% | 1.34% | 0.60% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
LTRIX Principal LifeTime 2045 Fund | 9.51% | 9.31% | 9.40% | 4.25% | 8.71% | 6.75% | 4.62% | 6.93% | 7.50% | 4.57% | 4.48% | 5.42% |
Drawdowns
AAOTX vs. LTRIX - Drawdown Comparison
The maximum AAOTX drawdown since its inception was -27.57%, smaller than the maximum LTRIX drawdown of -51.39%. Use the drawdown chart below to compare losses from any high point for AAOTX and LTRIX.
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Drawdown Indicators
| AAOTX | LTRIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -27.57% | -51.39% | +23.82% |
Max Drawdown (1Y)Largest decline over 1 year | -10.23% | -10.65% | +0.42% |
Max Drawdown (5Y)Largest decline over 5 years | -27.57% | -26.25% | -1.32% |
Max Drawdown (10Y)Largest decline over 10 years | — | -31.56% | — |
Current DrawdownCurrent decline from peak | -9.82% | -5.57% | -4.25% |
Average DrawdownAverage peak-to-trough decline | -6.16% | -7.26% | +1.10% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.35% | 2.23% | +0.12% |
Volatility
AAOTX vs. LTRIX - Volatility Comparison
The current volatility for American Funds 2065 Target Date Retirement Fund Class A (AAOTX) is 4.61%, while Principal LifeTime 2045 Fund (LTRIX) has a volatility of 5.45%. This indicates that AAOTX experiences smaller price fluctuations and is considered to be less risky than LTRIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AAOTX | LTRIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.61% | 5.45% | -0.84% |
Volatility (6M)Calculated over the trailing 6-month period | 9.03% | 8.47% | +0.56% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.12% | 14.51% | +0.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.57% | 14.57% | 0.00% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.06% | 14.79% | +0.27% |