FLRFX vs. LTSTX
FLRFX (Franklin LifeSmart 2025 Retirement Target Fund) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, FLRFX returned 7.57%/yr vs 7.91%/yr for LTSTX. With a 0.96 correlation, they move nearly in lockstep. FLRFX charges 0.23%/yr vs 0.01%/yr for LTSTX.
Performance
FLRFX vs. LTSTX - Performance Comparison
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Returns By Period
In the year-to-date period, FLRFX achieves a 6.46% return, which is significantly higher than LTSTX's 4.74% return. Both investments have delivered pretty close results over the past 10 years, with FLRFX having a 7.57% annualized return and LTSTX not far ahead at 7.91%.
FLRFX
- 1D
- 0.42%
- 1M
- 0.51%
- 6M
- 4.93%
- YTD
- 6.46%
- 1Y
- 14.35%
- 3Y*
- 12.68%
- 5Y*
- 5.85%
- 10Y*
- 7.57%
LTSTX
- 1D
- 0.35%
- 1M
- 0.26%
- 6M
- 3.23%
- YTD
- 4.74%
- 1Y
- 10.63%
- 3Y*
- 11.82%
- 5Y*
- 5.26%
- 10Y*
- 7.91%
FLRFX vs. LTSTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FLRFX Franklin LifeSmart 2025 Retirement Target Fund | 6.46% | 15.05% | 9.64% | 13.95% | -15.77% | 11.52% | 10.39% | 17.08% | -5.21% | 15.30% |
LTSTX Principal LifeTime 2025 Fund | 4.74% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
Correlation
The correlation between FLRFX 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 | 0.95 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.97 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.95 |
Correlation (All Time) Calculated using the full available price history since Jan 6, 2015 | 0.96 |
The correlation between FLRFX 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
FLRFX vs. LTSTX — Risk / Return Rank
FLRFX
LTSTX
FLRFX vs. LTSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Franklin LifeSmart 2025 Retirement Target Fund (FLRFX) 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.
| FLRFX | LTSTX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.27 | ||
| Sortino ratioReturn per unit of downside risk | +0.37 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.27 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.25 | 1.96 | +0.29 |
| Martin ratioReturn relative to average drawdown | 9.75 | 8.63 | +1.12 |
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Drawdowns
FLRFX vs. LTSTX - Drawdown Comparison
The maximum FLRFX drawdown since its inception was -28.66%, smaller than the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for FLRFX and LTSTX.
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Drawdown Indicators
| FLRFX | LTSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -28.66% | -48.17% | +19.51% |
Max Drawdown (1Y)Largest decline over 1 year | -6.21% | -5.24% | -0.97% |
Max Drawdown (3Y)Largest decline over 3 years | -9.01% | -8.12% | -0.89% |
Max Drawdown (5Y)Largest decline over 5 years | -28.66% | -21.01% | -7.65% |
Max Drawdown (10Y)Largest decline over 10 years | -28.66% | -23.33% | -5.33% |
Current DrawdownCurrent decline from peak | -0.45% | -0.52% | +0.07% |
Average DrawdownAverage peak-to-trough decline | -5.98% | -6.13% | +0.15% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.43% | 1.19% | +0.24% |
Volatility
FLRFX vs. LTSTX - Volatility Comparison
Franklin LifeSmart 2025 Retirement Target Fund (FLRFX) has a higher volatility of 2.94% compared to Principal LifeTime 2025 Fund (LTSTX) at 2.45%. This indicates that FLRFX'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
| FLRFX | LTSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.94% | 2.45% | +0.49% |
Volatility (6M)Calculated over the trailing 6-month period | 6.92% | 5.95% | +0.97% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.11% | 7.08% | +1.03% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.62% | 9.24% | +2.38% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.44% | 9.76% | +0.68% |
FLRFX vs. LTSTX - Expense Ratio Comparison
FLRFX has a 0.23% expense ratio, which is higher than LTSTX's 0.01% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
FLRFX vs. LTSTX - Dividend Comparison
FLRFX's dividend yield for the trailing twelve months is around 7.75%, less than LTSTX's 11.64% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FLRFX Franklin LifeSmart 2025 Retirement Target Fund | 7.75% | 8.74% | 3.61% | 2.88% | 4.16% | 12.42% | 3.47% | 3.82% | 6.82% | 2.02% | 2.68% | 6.18% |
LTSTX Principal LifeTime 2025 Fund | 11.64% | 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 0.96, FLRFX 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.
FLRFX has higher volatility (2.94%) compared to LTSTX (2.45%). In terms of maximum drawdown, FLRFX dropped -28.66% vs LTSTX's -48.17%.
FLRFX currently has the higher Sharpe Ratio (1.73 vs 1.46), 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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