FLRHX vs. LTIUX
FLRHX (Franklin LifeSmart 2035 Retirement Target Fund) and LTIUX (Principal LifeTime 2035 Fund) are both Target Retirement Date funds. Over the past 10 years, FLRHX returned 9.64%/yr vs 9.64%/yr for LTIUX. With a 0.96 correlation, they move nearly in lockstep. FLRHX charges 0.24%/yr vs 0.01%/yr for LTIUX.
Performance
FLRHX vs. LTIUX - Performance Comparison
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Returns By Period
In the year-to-date period, FLRHX achieves a 8.88% return, which is significantly higher than LTIUX's 6.33% return. Over a longer period, both investments have demonstrated similar performance, with their 10-year annualized returns being quite close: FLRHX at 9.64% and LTIUX at 9.64%.
FLRHX
- 1D
- 0.95%
- 1M
- 1.78%
- YTD
- 8.88%
- 6M
- 8.87%
- 1Y
- 21.91%
- 3Y*
- 15.36%
- 5Y*
- 8.43%
- 10Y*
- 9.64%
LTIUX
- 1D
- 0.86%
- 1M
- 1.36%
- YTD
- 6.33%
- 6M
- 6.24%
- 1Y
- 16.44%
- 3Y*
- 13.92%
- 5Y*
- 7.05%
- 10Y*
- 9.64%
FLRHX vs. LTIUX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FLRHX Franklin LifeSmart 2035 Retirement Target Fund | 8.88% | 17.87% | 12.52% | 16.53% | -16.51% | 14.44% | 13.73% | 20.72% | -6.67% | 18.24% |
LTIUX Principal LifeTime 2035 Fund | 6.33% | 14.26% | 14.13% | 16.51% | -17.48% | 14.07% | 15.70% | 23.48% | -7.37% | 19.69% |
Correlation
The correlation between FLRHX and LTIUX 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 | 0.96 |
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 Jan 6, 2015 | 0.96 |
The correlation between FLRHX and LTIUX has been stable across timeframes, ranging from 0.96 to 0.97 - a consistent structural relationship.
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Return for Risk
FLRHX vs. LTIUX — Risk / Return Rank
FLRHX
LTIUX
FLRHX vs. LTIUX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Franklin LifeSmart 2035 Retirement Target Fund (FLRHX) and Principal LifeTime 2035 Fund (LTIUX). 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.
| FLRHX | LTIUX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.40 | ||
| Sortino ratioReturn per unit of downside risk | +0.50 | ||
| Omega ratioGain probability vs. loss probability | 1.41 | 1.34 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 2.85 | 2.48 | +0.36 |
| Martin ratioReturn relative to average drawdown | 12.46 | 10.87 | +1.59 |
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Drawdowns
FLRHX vs. LTIUX - Drawdown Comparison
The maximum FLRHX drawdown since its inception was -33.23%, smaller than the maximum LTIUX drawdown of -49.65%. Use the drawdown chart below to compare losses from any high point for FLRHX and LTIUX.
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Drawdown Indicators
| FLRHX | LTIUX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.23% | -49.65% | +16.42% |
Max Drawdown (1Y)Largest decline over 1 year | -7.64% | -6.57% | -1.07% |
Max Drawdown (3Y)Largest decline over 3 years | -11.86% | -11.08% | -0.78% |
Max Drawdown (5Y)Largest decline over 5 years | -33.23% | -24.23% | -9.00% |
Max Drawdown (10Y)Largest decline over 10 years | -33.23% | -28.12% | -5.11% |
Current DrawdownCurrent decline from peak | -0.14% | -0.35% | +0.21% |
Average DrawdownAverage peak-to-trough decline | -7.15% | -6.69% | -0.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.74% | 1.50% | +0.24% |
Volatility
FLRHX vs. LTIUX - Volatility Comparison
Franklin LifeSmart 2035 Retirement Target Fund (FLRHX) has a higher volatility of 3.98% compared to Principal LifeTime 2035 Fund (LTIUX) at 3.51%. This indicates that FLRHX's price experiences larger fluctuations and is considered to be riskier than LTIUX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FLRHX | LTIUX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.98% | 3.51% | +0.47% |
Volatility (6M)Calculated over the trailing 6-month period | 8.33% | 7.56% | +0.77% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.89% | 9.09% | +0.80% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.18% | 11.90% | +3.28% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.93% | 12.52% | +1.41% |
FLRHX vs. LTIUX - Expense Ratio Comparison
FLRHX has a 0.24% expense ratio, which is higher than LTIUX'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
FLRHX vs. LTIUX - Dividend Comparison
FLRHX's dividend yield for the trailing twelve months is around 6.59%, less than LTIUX's 8.49% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FLRHX Franklin LifeSmart 2035 Retirement Target Fund | 6.59% | 7.46% | 3.01% | 2.83% | 4.09% | 18.13% | 3.89% | 3.94% | 6.43% | 2.24% | 2.54% | 5.76% |
LTIUX Principal LifeTime 2035 Fund | 8.49% | 9.03% | 9.46% | 4.17% | 7.50% | 7.06% | 5.35% | 7.28% | 7.75% | 5.46% | 4.28% | 5.59% |
Frequently Asked Questions
With a correlation of 0.97, FLRHX and LTIUX 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.
FLRHX has higher volatility (3.98%) compared to LTIUX (3.51%). In terms of maximum drawdown, FLRHX dropped -33.23% vs LTIUX's -49.65%.
FLRHX currently has the higher Sharpe Ratio (2.20 vs 1.80), 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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