JRLVX vs. LTINX

Last updated Aug 1, 2026

JRLVX (John Hancock Funds Multi-Index 2045 Lifetime Portfolio) and LTINX (Principal LifeTime 2015 Fund) are both Target Retirement Date funds. Their correlation of 0.92 means they have usually moved in the same direction. JRLVX charges 0.01%/yr vs 0.02%/yr for LTINX.

Performance

JRLVX vs. LTINX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in John Hancock Funds Multi-Index 2045 Lifetime Portfolio (JRLVX) and Principal LifeTime 2015 Fund (LTINX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

JRLVX

• 1D: 1.74%
• 1M: -0.27%
• 6M: 7.46%
• YTD: 10.68%
• 1Y: 21.80%
• 3Y*: 15.85%
• 5Y*: 8.89%
• 10Y*: 10.81%
• ALL TIME*: 9.72%

LTINX

• 1D: —
• 1M: —
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: —

*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)
JRLVX John Hancock Funds Multi-Index 2045 Lifetime Portfolio	$0.00	$0.00	$0.00

JRLVX vs. LTINX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
JRLVX John Hancock Funds Multi-Index 2045 Lifetime Portfolio	10.68%	19.25%	14.50%	18.00%	-18.06%	18.45%	16.23%	25.03%	-8.29%	17.40%
LTINX Principal LifeTime 2015 Fund	3.69%	10.61%	10.67%	11.15%	-13.61%	7.41%	11.87%	16.32%	-4.72%	13.19%

Correlation

The correlation between JRLVX and LTINX is 0.86, 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.	0.86
Correlation (3Y) Balances recent behavior with more history.	0.87
Correlation (5Y) Shows whether the relationship held over a longer period.	0.90
Correlation (10Y) Provides a long-term view across more market conditions.	0.91
Correlation (All Time) Calculated using the full available price history since Nov 8, 2013	0.92

The correlation between JRLVX and LTINX has been stable across timeframes, ranging from 0.86 to 0.92 - a consistent structural relationship.

Return for Risk

JRLVX vs. LTINX — Risk / Return Rank

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

JRLVX

JRLVX Risk / Return Rank: 71
JRLVX Sharpe Ratio Rank: 69
JRLVX Sortino Ratio Rank: 67
JRLVX Omega Ratio Rank: 67
JRLVX Calmar Ratio Rank: 72
JRLVX Martin Ratio Rank: 81

LTINX

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

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.

JRLVX vs. LTINX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for John Hancock Funds Multi-Index 2045 Lifetime Portfolio (JRLVX) and Principal LifeTime 2015 Fund (LTINX). 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.

	JRLVX	LTINX	Difference
Sharpe ratio: Return per unit of total volatility	1.62	—	—
Sortino ratio: Return per unit of downside risk	2.26	—	—
Omega ratio: Gain probability vs. loss probability	1.29	—	—
Calmar ratio: Return relative to maximum drawdown	2.35	—	—
Martin ratio: Return relative to average drawdown	9.90	—	—

Drawdowns

Drawdown Indicators

	JRLVX	LTINX	Difference
Max Drawdown Largest peak-to-trough decline	-32.53%	—	—
Max Drawdown (1Y) Largest decline over 1 year	-8.50%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-15.27%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-25.64%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-32.53%	—	—
Current Drawdown Current decline from peak	-1.47%	—	—
Average Drawdown Average peak-to-trough decline	-4.52%	—	—
Ulcer Index Depth and duration of drawdowns from previous peaks	2.01%	—	—

Volatility

Volatility by Period

	JRLVX	LTINX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.46%	—	—
Volatility (6M) Calculated over the trailing 6-month period	10.26%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	12.35%	—	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.91%	—	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.96%	—	—

JRLVX vs. LTINX - Expense Ratio Comparison

JRLVX has a 0.01% expense ratio, which is lower than LTINX's 0.02% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.

Dividends

JRLVX vs. LTINX - Dividend Comparison

JRLVX's dividend yield for the trailing twelve months is around 3.21%, less than LTINX's 18.99% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
JRLVX John Hancock Funds Multi-Index 2045 Lifetime Portfolio	3.21%	3.55%	1.89%	2.24%	8.03%	6.00%	4.26%	8.99%	10.96%	4.29%	3.40%	1.90%
LTINX Principal LifeTime 2015 Fund	18.99%	11.91%	10.80%	4.75%	7.98%	8.21%	5.51%	12.76%	9.62%	7.62%	3.63%	8.86%

Frequently Asked Questions

Can I hold both JRLVX and LTINX in my portfolio?

JRLVX and LTINX have a correlation of 0.86, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.