FCQTX vs. LTSTX
Compare and contrast key facts about American Funds 2065 Target Date Retirement Fund (FCQTX) and Principal LifeTime 2025 Fund (LTSTX).
FCQTX is managed by American Funds. It was launched on Mar 26, 2020. LTSTX is managed by Principal. It was launched on Feb 28, 2008.
Performance
FCQTX vs. LTSTX - Performance Comparison
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FCQTX vs. LTSTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
FCQTX American Funds 2065 Target Date Retirement Fund | -3.37% | 20.74% | 15.64% | 21.56% | -19.63% | 17.34% | 47.06% |
LTSTX Principal LifeTime 2025 Fund | -2.64% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 33.11% |
Returns By Period
In the year-to-date period, FCQTX achieves a -3.37% return, which is significantly lower than LTSTX's -2.64% return.
FCQTX
- 1D
- 2.74%
- 1M
- -6.47%
- YTD
- -3.37%
- 6M
- -0.75%
- 1Y
- 18.43%
- 3Y*
- 15.53%
- 5Y*
- 7.94%
- 10Y*
- —
LTSTX
- 1D
- 0.09%
- 1M
- -4.73%
- YTD
- -2.64%
- 6M
- -1.40%
- 1Y
- 8.02%
- 3Y*
- 9.82%
- 5Y*
- 4.89%
- 10Y*
- 7.44%
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FCQTX vs. LTSTX - Expense Ratio Comparison
Both FCQTX and LTSTX have an expense ratio of 0.01%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Return for Risk
FCQTX vs. LTSTX — Risk / Return Rank
FCQTX
LTSTX
FCQTX vs. LTSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2065 Target Date Retirement Fund (FCQTX) 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.
| FCQTX | LTSTX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.24 | 1.02 | +0.23 |
Sortino ratioReturn per unit of downside risk | 1.85 | 1.47 | +0.38 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.21 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.85 | 1.21 | +0.64 |
Martin ratioReturn relative to average drawdown | 7.89 | 5.61 | +2.28 |
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
| FCQTX | LTSTX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.24 | 1.02 | +0.23 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.55 | 0.54 | +0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.76 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.98 | 0.45 | +0.52 |
Correlation
The correlation between FCQTX and LTSTX is 0.94, 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
FCQTX vs. LTSTX - Dividend Comparison
FCQTX's dividend yield for the trailing twelve months is around 4.83%, less than LTSTX's 12.52% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FCQTX American Funds 2065 Target Date Retirement Fund | 4.83% | 4.67% | 2.80% | 1.99% | 3.96% | 1.54% | 0.72% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
LTSTX Principal LifeTime 2025 Fund | 12.52% | 12.19% | 9.74% | 4.26% | 8.00% | 7.66% | 5.25% | 6.91% | 6.39% | 4.75% | 3.65% | 8.91% |
Drawdowns
FCQTX vs. LTSTX - Drawdown Comparison
The maximum FCQTX drawdown since its inception was -27.34%, smaller than the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for FCQTX and LTSTX.
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Drawdown Indicators
| FCQTX | LTSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -27.34% | -48.17% | +20.83% |
Max Drawdown (1Y)Largest decline over 1 year | -10.21% | -6.47% | -3.74% |
Max Drawdown (5Y)Largest decline over 5 years | -27.34% | -21.01% | -6.33% |
Max Drawdown (10Y)Largest decline over 10 years | — | -23.33% | — |
Current DrawdownCurrent decline from peak | -7.36% | -5.15% | -2.21% |
Average DrawdownAverage peak-to-trough decline | -6.02% | -6.21% | +0.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.39% | 1.40% | +0.99% |
Volatility
FCQTX vs. LTSTX - Volatility Comparison
American Funds 2065 Target Date Retirement Fund (FCQTX) has a higher volatility of 5.61% compared to Principal LifeTime 2025 Fund (LTSTX) at 2.99%. This indicates that FCQTX'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
| FCQTX | LTSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.61% | 2.99% | +2.62% |
Volatility (6M)Calculated over the trailing 6-month period | 9.44% | 4.90% | +4.54% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.36% | 8.43% | +6.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.63% | 9.16% | +5.47% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.09% | 9.81% | +5.28% |