ARDVX vs. LTSTX
ARDVX (American Century Investments One Choice 2040 Portfolio) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, ARDVX returned 8.29%/yr vs 8.01%/yr for LTSTX. With a 0.97 correlation, they move nearly in lockstep. ARDVX charges 0.83%/yr vs 0.01%/yr for LTSTX.
Performance
ARDVX vs. LTSTX - Performance Comparison
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Returns By Period
In the year-to-date period, ARDVX achieves a 5.94% return, which is significantly higher than LTSTX's 4.65% return. Both investments have delivered pretty close results over the past 10 years, with ARDVX having a 8.29% annualized return and LTSTX not far behind at 8.01%.
ARDVX
- 1D
- 0.57%
- 1M
- 0.14%
- YTD
- 5.94%
- 6M
- 5.46%
- 1Y
- 12.72%
- 3Y*
- 11.30%
- 5Y*
- 5.23%
- 10Y*
- 8.29%
LTSTX
- 1D
- 0.44%
- 1M
- -0.09%
- YTD
- 4.65%
- 6M
- 4.15%
- 1Y
- 10.44%
- 3Y*
- 11.47%
- 5Y*
- 5.38%
- 10Y*
- 8.01%
ARDVX vs. LTSTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ARDVX American Century Investments One Choice 2040 Portfolio | 5.94% | 13.20% | 9.54% | 13.66% | -16.43% | 11.45% | 15.11% | 21.29% | -3.80% | 13.97% |
LTSTX Principal LifeTime 2025 Fund | 4.65% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
Correlation
The correlation between ARDVX and LTSTX 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 (10Y) Calculated over the trailing 10-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since May 30, 2008 | 0.97 |
The correlation between ARDVX and LTSTX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.
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Return for Risk
ARDVX vs. LTSTX — Risk / Return Rank
ARDVX
LTSTX
ARDVX vs. LTSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Century Investments One Choice 2040 Portfolio (ARDVX) and Principal LifeTime 2025 Fund (LTSTX). 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.
| ARDVX | LTSTX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.08 | ||
| Sortino ratioReturn per unit of downside risk | +0.11 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.29 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.00 | 2.07 | -0.07 |
| Martin ratioReturn relative to average drawdown | 8.51 | 9.12 | -0.61 |
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Drawdowns
ARDVX vs. LTSTX - Drawdown Comparison
The maximum ARDVX drawdown since its inception was -44.47%, smaller than the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for ARDVX and LTSTX.
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Drawdown Indicators
| ARDVX | LTSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -44.47% | -48.17% | +3.70% |
Max Drawdown (1Y)Largest decline over 1 year | -6.58% | -5.24% | -1.34% |
Max Drawdown (3Y)Largest decline over 3 years | -11.40% | -8.12% | -3.28% |
Max Drawdown (5Y)Largest decline over 5 years | -23.28% | -21.01% | -2.27% |
Max Drawdown (10Y)Largest decline over 10 years | -25.99% | -23.33% | -2.66% |
Current DrawdownCurrent decline from peak | -0.21% | -0.52% | +0.31% |
Average DrawdownAverage peak-to-trough decline | -5.81% | -6.14% | +0.33% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.55% | 1.19% | +0.36% |
Volatility
ARDVX vs. LTSTX - Volatility Comparison
American Century Investments One Choice 2040 Portfolio (ARDVX) and Principal LifeTime 2025 Fund (LTSTX) have volatilities of 2.95% and 2.83%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ARDVX | LTSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.95% | 2.83% | +0.12% |
Volatility (6M)Calculated over the trailing 6-month period | 6.70% | 5.92% | +0.78% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.13% | 7.05% | +1.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.89% | 9.24% | +1.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.58% | 9.76% | +1.82% |
ARDVX vs. LTSTX - Expense Ratio Comparison
ARDVX has a 0.83% expense ratio, which is higher than LTSTX's 0.01% expense ratio.
Dividends
ARDVX vs. LTSTX - Dividend Comparison
ARDVX's dividend yield for the trailing twelve months is around 12.40%, more than LTSTX's 11.65% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ARDVX American Century Investments One Choice 2040 Portfolio | 12.40% | 13.14% | 5.58% | 2.29% | 6.29% | 8.20% | 6.36% | 8.42% | 11.28% | 1.38% | 3.65% | 6.75% |
LTSTX Principal LifeTime 2025 Fund | 11.65% | 12.19% | 9.74% | 4.26% | 8.00% | 7.66% | 5.25% | 6.91% | 6.39% | 4.75% | 3.65% | 8.91% |
Frequently Asked Questions
With a correlation of 0.97, ARDVX and LTSTX 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.
ARDVX has higher volatility (2.95%) compared to LTSTX (2.83%). In terms of maximum drawdown, ARDVX dropped -44.47% vs LTSTX's -48.17%.
ARDVX currently has the higher Sharpe Ratio (1.62 vs 1.54), 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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