ARGNX vs. LTSTX

Last updated Jun 23, 2026

ARGNX (American Century One Choice 2060 Portfolio Class I) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, ARGNX returned 10.27%/yr vs 8.09%/yr for LTSTX. With a 0.96 correlation, they move nearly in lockstep. ARGNX charges 0.69%/yr vs 0.01%/yr for LTSTX.

Performance

ARGNX vs. LTSTX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in American Century One Choice 2060 Portfolio Class I (ARGNX) and Principal LifeTime 2025 Fund (LTSTX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ARGNX achieves a 8.24% return, which is significantly higher than LTSTX's 4.92% return. Over the past 10 years, ARGNX has outperformed LTSTX with an annualized return of 10.27%, while LTSTX has yielded a comparatively lower 8.09% annualized return.

ARGNX

• 1D: 0.87%
• 1M: 1.22%
• YTD: 8.24%
• 6M: 7.90%
• 1Y: 20.52%
• 3Y*: 14.21%
• 5Y*: 7.53%
• 10Y*: 10.27%

LTSTX

• 1D: 0.70%
• 1M: 1.14%
• YTD: 4.92%
• 6M: 4.88%
• 1Y: 13.15%
• 3Y*: 11.63%
• 5Y*: 5.71%
• 10Y*: 8.09%

*Multi-year figures are annualized to reflect compound growth (CAGR)

ARGNX vs. LTSTX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
ARGNX American Century One Choice 2060 Portfolio Class I	8.24%	16.04%	12.70%	16.29%	-17.64%	14.60%	18.33%	25.10%	-7.93%	18.94%
LTSTX Principal LifeTime 2025 Fund	4.92%	12.16%	11.91%	13.30%	-15.23%	10.91%	13.70%	20.50%	-6.41%	16.75%

Correlation

The correlation between ARGNX and LTSTX is 0.96 - 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	0.96
Correlation (3Y) Calculated over the trailing 3-year period	0.93
Correlation (5Y) Calculated over the trailing 5-year period	0.95
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 ARGNX and LTSTX has been stable across timeframes, ranging from 0.93 to 0.96 - a consistent structural relationship.

Return for Risk

ARGNX vs. LTSTX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

ARGNX

ARGNX Risk / Return Rank: 47
ARGNX Sharpe Ratio Rank: 47
ARGNX Sortino Ratio Rank: 46
ARGNX Omega Ratio Rank: 47
ARGNX Calmar Ratio Rank: 42
ARGNX Martin Ratio Rank: 53

LTSTX

LTSTX Risk / Return Rank: 50
LTSTX Sharpe Ratio Rank: 47
LTSTX Sortino Ratio Rank: 48
LTSTX Omega Ratio Rank: 51
LTSTX Calmar Ratio Rank: 47
LTSTX Martin Ratio Rank: 59

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ARGNX vs. LTSTX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for American Century One Choice 2060 Portfolio Class I (ARGNX) 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.

	ARGNX	LTSTX	Difference
Sharpe ratio: Return per unit of total volatility	1.87	1.86	0.00
Sortino ratio: Return per unit of downside risk	2.62	2.67	-0.04
Omega ratio: Gain probability vs. loss probability	1.34	1.36	-0.02
Calmar ratio: Return relative to maximum drawdown	2.36	2.50	-0.14
Martin ratio: Return relative to average drawdown	10.12	11.09	-0.97

ARGNX vs. LTSTX - Sharpe Ratio Comparison

The current ARGNX Sharpe Ratio is 1.87, which is comparable to the LTSTX Sharpe Ratio of 1.86. The chart below compares the historical Sharpe Ratios of ARGNX and LTSTX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

ARGNX vs. LTSTX - Drawdown Comparison

The maximum ARGNX drawdown since its inception was -30.83%, smaller than the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for ARGNX and LTSTX.

Drawdown Indicators

	ARGNX	LTSTX	Difference
Max Drawdown Largest peak-to-trough decline	-30.83%	-48.17%	+17.34%
Max Drawdown (1Y) Largest decline over 1 year	-8.56%	-5.24%	-3.32%
Max Drawdown (3Y) Largest decline over 3 years	-14.06%	-8.12%	-5.94%
Max Drawdown (5Y) Largest decline over 5 years	-25.77%	-21.01%	-4.76%
Max Drawdown (10Y) Largest decline over 10 years	-30.83%	-23.33%	-7.50%
Current Drawdown Current decline from peak	-0.40%	-0.26%	-0.14%
Average Drawdown Average peak-to-trough decline	-4.72%	-6.14%	+1.42%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.00%	1.18%	+0.82%

Volatility

ARGNX vs. LTSTX - Volatility Comparison

American Century One Choice 2060 Portfolio Class I (ARGNX) has a higher volatility of 4.02% compared to Principal LifeTime 2025 Fund (LTSTX) at 2.81%. This indicates that ARGNX's price experiences larger fluctuations and is considered to be riskier than LTSTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ARGNX	LTSTX	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.02%	2.81%	+1.21%
Volatility (6M) Calculated over the trailing 6-month period	8.91%	5.88%	+3.03%
Volatility (1Y) Calculated over the trailing 1-year period	10.83%	7.03%	+3.80%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	13.58%	9.23%	+4.35%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	14.54%	9.84%	+4.70%

ARGNX vs. LTSTX - Expense Ratio Comparison

ARGNX has a 0.69% expense ratio, which is higher than LTSTX's 0.01% expense ratio.

Dividends

ARGNX vs. LTSTX - Dividend Comparison

ARGNX's dividend yield for the trailing twelve months is around 10.08%, less than LTSTX's 11.62% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ARGNX American Century One Choice 2060 Portfolio Class I	10.08%	10.92%	3.42%	1.82%	7.69%	6.64%	3.52%	5.90%	5.17%	1.82%	1.22%	0.00%
LTSTX Principal LifeTime 2025 Fund	11.62%	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

Can I hold both ARGNX and LTSTX in my portfolio?

With a correlation of 0.96, ARGNX 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.

Which is riskier, ARGNX or LTSTX?

ARGNX has higher volatility (4.02%) compared to LTSTX (2.81%). In terms of maximum drawdown, ARGNX dropped -30.83% vs LTSTX's -48.17%.

Which has better risk-adjusted returns?

ARGNX currently has the higher Sharpe Ratio (1.87 vs 1.86), 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.