IRSNX vs. LTFIX
IRSNX (Voya Target Retirement 2035 Fund) and LTFIX (Principal LifeTime 2055 Fund) are both Target Retirement Date funds. Over the past 10 years, IRSNX returned 10.15%/yr vs 11.59%/yr for LTFIX. With a 0.96 correlation, they move nearly in lockstep. IRSNX charges 0.20%/yr vs 0.01%/yr for LTFIX.
Performance
IRSNX vs. LTFIX - Performance Comparison
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Returns By Period
In the year-to-date period, IRSNX achieves a 9.36% return, which is significantly higher than LTFIX's 8.75% return. Over the past 10 years, IRSNX has underperformed LTFIX with an annualized return of 10.15%, while LTFIX has yielded a comparatively higher 11.59% annualized return.
IRSNX
- 1D
- 0.44%
- 1M
- -0.25%
- YTD
- 9.36%
- 6M
- 9.36%
- 1Y
- 18.92%
- 3Y*
- 15.27%
- 5Y*
- 7.80%
- 10Y*
- 10.15%
LTFIX
- 1D
- 0.74%
- 1M
- -0.42%
- YTD
- 8.75%
- 6M
- 8.75%
- 1Y
- 17.69%
- 3Y*
- 17.22%
- 5Y*
- 8.89%
- 10Y*
- 11.59%
IRSNX vs. LTFIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
IRSNX Voya Target Retirement 2035 Fund | 9.36% | 17.23% | 12.30% | 17.56% | -17.97% | 15.51% | 15.76% | 22.33% | -7.50% | 19.14% |
LTFIX Principal LifeTime 2055 Fund | 8.75% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
Correlation
The correlation between IRSNX and LTFIX is 0.87, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.87 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.93 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.94 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.95 |
Correlation (All Time) Calculated using the full available price history since Dec 24, 2012 | 0.96 |
The correlation between IRSNX and LTFIX has been stable across timeframes, ranging from 0.87 to 0.96 - a consistent structural relationship.
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Return for Risk
IRSNX vs. LTFIX — Risk / Return Rank
IRSNX
LTFIX
IRSNX vs. LTFIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Voya Target Retirement 2035 Fund (IRSNX) and Principal LifeTime 2055 Fund (LTFIX). 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.
| IRSNX | LTFIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.61 | ||
| Sortino ratioReturn per unit of downside risk | +0.95 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.26 | +0.12 |
| Calmar ratioReturn relative to maximum drawdown | 2.77 | 2.06 | +0.71 |
| Martin ratioReturn relative to average drawdown | 12.76 | 8.92 | +3.85 |
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Drawdowns
IRSNX vs. LTFIX - Drawdown Comparison
The maximum IRSNX drawdown since its inception was -29.52%, smaller than the maximum LTFIX drawdown of -52.73%. Use the drawdown chart below to compare losses from any high point for IRSNX and LTFIX.
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Drawdown Indicators
| IRSNX | LTFIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.52% | -52.73% | +23.21% |
Max Drawdown (1Y)Largest decline over 1 year | -7.45% | -8.71% | +1.26% |
Max Drawdown (3Y)Largest decline over 3 years | -12.03% | -15.70% | +3.67% |
Max Drawdown (5Y)Largest decline over 5 years | -24.44% | -26.80% | +2.36% |
Max Drawdown (10Y)Largest decline over 10 years | -29.52% | -33.50% | +3.98% |
Current DrawdownCurrent decline from peak | -0.56% | -0.83% | +0.27% |
Average DrawdownAverage peak-to-trough decline | -4.09% | -7.61% | +3.52% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.56% | 2.00% | -0.44% |
Volatility
IRSNX vs. LTFIX - Volatility Comparison
The current volatility for Voya Target Retirement 2035 Fund (IRSNX) is 4.00%, while Principal LifeTime 2055 Fund (LTFIX) has a volatility of 5.18%. This indicates that IRSNX experiences smaller price fluctuations and is considered to be less risky than LTFIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| IRSNX | LTFIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.00% | 5.18% | -1.18% |
Volatility (6M)Calculated over the trailing 6-month period | 8.24% | 10.49% | -2.25% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.13% | 12.58% | -2.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.50% | 15.59% | -3.09% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.40% | 15.78% | -2.38% |
IRSNX vs. LTFIX - Expense Ratio Comparison
IRSNX has a 0.20% expense ratio, which is higher than LTFIX'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
IRSNX vs. LTFIX - Dividend Comparison
IRSNX's dividend yield for the trailing twelve months is around 8.80%, more than LTFIX's 8.02% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
IRSNX Voya Target Retirement 2035 Fund | 8.80% | 9.62% | 2.15% | 2.25% | 6.05% | 17.46% | 4.26% | 4.23% | 6.04% | 6.30% | 1.73% | 0.37% |
LTFIX Principal LifeTime 2055 Fund | 8.02% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
Frequently Asked Questions
IRSNX and LTFIX have a correlation of 0.87, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LTFIX has higher volatility (5.18%) compared to IRSNX (4.00%). In terms of maximum drawdown, IRSNX dropped -29.52% vs LTFIX's -52.73%.
IRSNX currently has the higher Sharpe Ratio (2.04 vs 1.42), 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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