AROIX vs. LTSTX
AROIX (American Century Investments One Choice 2045 Portfolio) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, AROIX returned 8.60%/yr vs 7.73%/yr for LTSTX. Their 0.97 correlation means they have historically moved very closely together. AROIX charges 0.86%/yr vs 0.01%/yr for LTSTX.
Performance
AROIX vs. LTSTX - Performance Comparison
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Returns By Period
In the year-to-date period, AROIX achieves a 6.55% return, which is significantly higher than LTSTX's 4.47% return. Over the past 10 years, AROIX has outperformed LTSTX with an annualized return of 8.60%, while LTSTX has yielded a comparatively lower 7.73% annualized return.
AROIX
- 1D
- 1.18%
- 1M
- -0.26%
- 6M
- 4.31%
- YTD
- 6.55%
- 1Y
- 13.81%
- 3Y*
- 11.34%
- 5Y*
- 5.43%
- 10Y*
- 8.60%
- ALL TIME*
- 7.88%
LTSTX
- 1D
- 0.79%
- 1M
- -0.17%
- 6M
- 2.78%
- YTD
- 4.47%
- 1Y
- 10.06%
- 3Y*
- 10.75%
- 5Y*
- 5.16%
- 10Y*
- 7.73%
- ALL TIME*
- 6.35%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
AROIX vs. LTSTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AROIX American Century Investments One Choice 2045 Portfolio | 6.55% | 14.11% | 10.43% | 14.33% | -17.05% | 12.30% | 16.40% | 22.68% | -4.65% | 15.45% |
LTSTX Principal LifeTime 2025 Fund | 4.47% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
Correlation
The correlation between AROIX and LTSTX is 0.98 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.98 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Feb 29, 2008 | 0.97 |
The correlation between AROIX and LTSTX has been stable across timeframes, ranging from 0.95 to 0.98 - a consistent structural relationship.
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Return for Risk
AROIX vs. LTSTX — Risk / Return Rank
AROIX
LTSTX
AROIX vs. LTSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Century Investments One Choice 2045 Portfolio (AROIX) 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.
| AROIX | LTSTX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.07 | ||
| Sortino ratioReturn per unit of downside risk | +0.10 | ||
| Omega ratioGain probability vs. loss probability | 1.25 | 1.24 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 1.75 | 1.80 | -0.05 |
| Martin ratioReturn relative to average drawdown | 7.37 | 7.79 | -0.42 |
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Drawdowns
AROIX vs. LTSTX - Drawdown Comparison
The maximum AROIX drawdown since its inception was -48.96%, roughly equal to the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for AROIX and LTSTX.
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Drawdown Indicators
| AROIX | LTSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.96% | -48.17% | -0.79% |
Max Drawdown (1Y)Largest decline over 1 year | -7.27% | -5.24% | -2.03% |
Max Drawdown (3Y)Largest decline over 3 years | -11.85% | -8.12% | -3.73% |
Max Drawdown (5Y)Largest decline over 5 years | -24.34% | -21.01% | -3.33% |
Max Drawdown (10Y)Largest decline over 10 years | -27.72% | -23.33% | -4.39% |
Current DrawdownCurrent decline from peak | -0.84% | -0.78% | -0.06% |
Average DrawdownAverage peak-to-trough decline | -6.17% | -6.11% | -0.06% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.72% | 1.21% | +0.51% |
Volatility
AROIX vs. LTSTX - Volatility Comparison
American Century Investments One Choice 2045 Portfolio (AROIX) has a higher volatility of 2.35% compared to Principal LifeTime 2025 Fund (LTSTX) at 1.95%. This indicates that AROIX'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.
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Volatility by Period
| AROIX | LTSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.35% | 1.95% | +0.40% |
Volatility (6M)Calculated over the trailing 6-month period | 7.59% | 5.99% | +1.60% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.19% | 7.19% | +2.00% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.72% | 9.23% | +2.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.56% | 9.76% | +2.80% |
AROIX vs. LTSTX - Expense Ratio Comparison
AROIX has a 0.86% expense ratio, which is higher than LTSTX's 0.01% expense ratio.
Dividends
AROIX vs. LTSTX - Dividend Comparison
AROIX's dividend yield for the trailing twelve months is around 11.41%, less than LTSTX's 11.67% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AROIX American Century Investments One Choice 2045 Portfolio | 11.41% | 12.16% | 4.90% | 2.20% | 5.83% | 7.55% | 6.26% | 9.02% | 11.33% | 1.59% | 4.04% | 8.02% |
LTSTX Principal LifeTime 2025 Fund | 11.67% | 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 0.98, AROIX 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.
AROIX has higher volatility (2.35%) compared to LTSTX (1.95%). In terms of maximum drawdown, AROIX dropped -48.96% vs LTSTX's -48.17%.
AROIX currently has the higher Sharpe Ratio (1.39 vs 1.32), 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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