AAOTX vs. PLTZX
Compare and contrast key facts about American Funds 2065 Target Date Retirement Fund Class A (AAOTX) and Principal LifeTime 2060 Fund (PLTZX).
AAOTX is managed by American Funds. PLTZX is managed by Principal. It was launched on Feb 28, 2013.
Performance
AAOTX vs. PLTZX - Performance Comparison
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AAOTX vs. PLTZX - 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% |
PLTZX Principal LifeTime 2060 Fund | -5.21% | 17.76% | 16.89% | 20.36% | -18.81% | 18.12% | 50.95% |
Returns By Period
In the year-to-date period, AAOTX achieves a -6.04% return, which is significantly lower than PLTZX's -5.21% return.
AAOTX
- 1D
- -0.42%
- 1M
- -9.38%
- YTD
- -6.04%
- 6M
- -3.03%
- 1Y
- 15.42%
- 3Y*
- 14.08%
- 5Y*
- 7.24%
- 10Y*
- —
PLTZX
- 1D
- -0.28%
- 1M
- -8.28%
- YTD
- -5.21%
- 6M
- -2.98%
- 1Y
- 12.54%
- 3Y*
- 13.98%
- 5Y*
- 7.39%
- 10Y*
- 10.23%
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AAOTX vs. PLTZX - Expense Ratio Comparison
AAOTX has a 0.73% expense ratio, which is higher than PLTZX's 0.01% expense ratio.
Return for Risk
AAOTX vs. PLTZX — Risk / Return Rank
AAOTX
PLTZX
AAOTX vs. PLTZX - 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 2060 Fund (PLTZX). 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 | PLTZX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.02 | 0.81 | +0.21 |
Sortino ratioReturn per unit of downside risk | 1.53 | 1.24 | +0.29 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.18 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.31 | 0.94 | +0.37 |
Martin ratioReturn relative to average drawdown | 5.72 | 4.59 | +1.14 |
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 | PLTZX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.02 | 0.81 | +0.21 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.48 | +0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.64 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.92 | 0.63 | +0.28 |
Correlation
The correlation between AAOTX and PLTZX 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. PLTZX - Dividend Comparison
AAOTX's dividend yield for the trailing twelve months is around 4.69%, less than PLTZX's 8.79% 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% |
PLTZX Principal LifeTime 2060 Fund | 8.79% | 8.33% | 7.85% | 4.12% | 8.44% | 5.29% | 3.60% | 5.86% | 5.75% | 2.73% | 3.48% | 3.29% |
Drawdowns
AAOTX vs. PLTZX - Drawdown Comparison
The maximum AAOTX drawdown since its inception was -27.57%, smaller than the maximum PLTZX drawdown of -34.01%. Use the drawdown chart below to compare losses from any high point for AAOTX and PLTZX.
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Drawdown Indicators
| AAOTX | PLTZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -27.57% | -34.01% | +6.44% |
Max Drawdown (1Y)Largest decline over 1 year | -10.23% | -11.51% | +1.28% |
Max Drawdown (5Y)Largest decline over 5 years | -27.57% | -26.79% | -0.78% |
Max Drawdown (10Y)Largest decline over 10 years | — | -34.01% | — |
Current DrawdownCurrent decline from peak | -9.82% | -8.70% | -1.12% |
Average DrawdownAverage peak-to-trough decline | -6.16% | -4.67% | -1.49% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.35% | 2.35% | 0.00% |
Volatility
AAOTX vs. PLTZX - Volatility Comparison
The current volatility for American Funds 2065 Target Date Retirement Fund Class A (AAOTX) is 4.61%, while Principal LifeTime 2060 Fund (PLTZX) has a volatility of 4.98%. This indicates that AAOTX experiences smaller price fluctuations and is considered to be less risky than PLTZX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AAOTX | PLTZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.61% | 4.98% | -0.37% |
Volatility (6M)Calculated over the trailing 6-month period | 9.03% | 8.88% | +0.15% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.12% | 15.74% | -0.62% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.57% | 15.38% | -0.81% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.06% | 15.93% | -0.87% |