ISNQX vs. LTFIX

Last updated Aug 5, 2026

ISNQX (Voya Solution 2050 Portfolio) and LTFIX (Principal LifeTime 2055 Fund) are both Target Retirement Date funds. Over the past 10 years, ISNQX returned 11.10%/yr vs 11.34%/yr for LTFIX. Their 0.97 correlation means they have historically moved very closely together. ISNQX charges 0.18%/yr vs 0.01%/yr for LTFIX.

Performance

ISNQX vs. LTFIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Voya Solution 2050 Portfolio (ISNQX) and Principal LifeTime 2055 Fund (LTFIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ISNQX achieves a 11.68% return, which is significantly higher than LTFIX's 10.13% return. Both investments have delivered pretty close results over the past 10 years, with ISNQX having a 11.10% annualized return and LTFIX not far ahead at 11.34%.

ISNQX

• 1D: 1.11%
• 1M: 0.86%
• 6M: 8.57%
• YTD: 11.68%
• 1Y: 21.14%
• 3Y*: 17.92%
• 5Y*: 9.31%
• 10Y*: 11.10%
• ALL TIME*: 11.60%

LTFIX

• 1D: 0.94%
• 1M: 1.74%
• 6M: 7.12%
• YTD: 10.13%
• 1Y: 17.91%
• 3Y*: 17.47%
• 5Y*: 8.95%
• 10Y*: 11.34%
• ALL TIME*: 8.41%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
ISNQX Voya Solution 2050 Portfolio	$0.00	$0.00	$0.00
LTFIX Principal LifeTime 2055 Fund	$0.00	$0.00	$0.00

ISNQX vs. LTFIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
ISNQX Voya Solution 2050 Portfolio	11.68%	20.04%	15.16%	20.86%	-19.16%	17.44%	16.39%	24.65%	-10.36%	22.00%
LTFIX Principal LifeTime 2055 Fund	10.13%	17.80%	17.28%	20.33%	-18.84%	17.73%	16.47%	27.27%	-9.03%	22.52%

Correlation

The correlation between ISNQX and LTFIX is 0.89, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.89
Correlation (3Y) Balances recent behavior with more history.	0.93
Correlation (5Y) Shows whether the relationship held over a longer period.	0.95
Correlation (10Y) Provides a long-term view across more market conditions.	0.96
Correlation (All Time) Calculated using the full available price history since Oct 4, 2011	0.97

The correlation between ISNQX and LTFIX has been stable across timeframes, ranging from 0.89 to 0.97 - a consistent structural relationship.

Return for Risk

ISNQX vs. LTFIX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

ISNQX

ISNQX Risk / Return Rank: 75
ISNQX Sharpe Ratio Rank: 74
ISNQX Sortino Ratio Rank: 74
ISNQX Omega Ratio Rank: 70
ISNQX Calmar Ratio Rank: 72
ISNQX Martin Ratio Rank: 83

LTFIX

LTFIX Risk / Return Rank: 56
LTFIX Sharpe Ratio Rank: 52
LTFIX Sortino Ratio Rank: 50
LTFIX Omega Ratio Rank: 49
LTFIX Calmar Ratio Rank: 59
LTFIX Martin Ratio Rank: 72

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

ISNQX vs. LTFIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Voya Solution 2050 Portfolio (ISNQX) 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.

	ISNQX	LTFIX	Difference
Sharpe ratio: Return per unit of total volatility	1.92	1.53	+0.38
Sortino ratio: Return per unit of downside risk	2.74	2.17	+0.57
Omega ratio: Gain probability vs. loss probability	1.35	1.28	+0.07
Calmar ratio: Return relative to maximum drawdown	2.69	2.26	+0.43
Martin ratio: Return relative to average drawdown	11.88	9.69	+2.19

ISNQX vs. LTFIX - Sharpe Ratio Comparison

The current ISNQX Sharpe Ratio is 1.92, which is comparable to the LTFIX Sharpe Ratio of 1.53. The chart below compares the historical Sharpe Ratios of ISNQX and LTFIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

ISNQX vs. LTFIX - Drawdown Comparison

The maximum ISNQX drawdown since its inception was -33.88%, smaller than the maximum LTFIX drawdown of -52.73%. Use the drawdown chart below to compare losses from any high point for ISNQX and LTFIX.

Drawdown Indicators

	ISNQX	LTFIX	Difference
Max Drawdown Largest peak-to-trough decline	-33.88%	-52.73%	+18.85%
Max Drawdown (1Y) Largest decline over 1 year	-9.38%	-8.71%	-0.67%
Max Drawdown (3Y) Largest decline over 3 years	-15.79%	-15.70%	-0.09%
Max Drawdown (5Y) Largest decline over 5 years	-26.90%	-26.80%	-0.10%
Max Drawdown (10Y) Largest decline over 10 years	-33.88%	-33.50%	-0.38%
Current Drawdown Current decline from peak	-0.71%	0.00%	-0.71%
Average Drawdown Average peak-to-trough decline	-4.55%	-7.58%	+3.03%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.05%	2.03%	+0.02%

Volatility

ISNQX vs. LTFIX - Volatility Comparison

Voya Solution 2050 Portfolio (ISNQX) has a higher volatility of 3.91% compared to Principal LifeTime 2055 Fund (LTFIX) at 3.56%. This indicates that ISNQX's price experiences larger fluctuations and is considered to be riskier than LTFIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ISNQX	LTFIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.91%	3.56%	+0.35%
Volatility (6M) Calculated over the trailing 6-month period	10.64%	10.65%	-0.01%
Volatility (1Y) Calculated over the trailing 1-year period	13.17%	12.85%	+0.32%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.45%	15.60%	-0.15%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.30%	15.80%	+0.50%

ISNQX vs. LTFIX - Expense Ratio Comparison

ISNQX has a 0.18% 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

ISNQX vs. LTFIX - Dividend Comparison

ISNQX has not paid dividends to shareholders, while LTFIX's dividend yield for the trailing twelve months is around 7.92%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ISNQX Voya Solution 2050 Portfolio	0.00%	8.01%	1.33%	6.04%	31.37%	2.78%	6.32%	8.18%	6.96%	1.98%	1.14%	7.90%
LTFIX Principal LifeTime 2055 Fund	7.92%	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

Can I hold both ISNQX and LTFIX in my portfolio?

ISNQX and LTFIX have a correlation of 0.89, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, ISNQX or LTFIX?

ISNQX has higher volatility (3.91%) compared to LTFIX (3.56%). In terms of maximum drawdown, ISNQX dropped -33.88% vs LTFIX's -52.73%.

Which has better risk-adjusted returns?

ISNQX currently has the higher Sharpe Ratio (1.92 vs 1.53), 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.