LTFIX vs. JRLVX
LTFIX (Principal LifeTime 2055 Fund) and JRLVX (John Hancock Funds Multi-Index 2045 Lifetime Portfolio) are both Target Retirement Date funds. Over the past 10 years, LTFIX returned 11.73%/yr vs 11.46%/yr for JRLVX. With a 0.98 correlation, they move nearly in lockstep. Both charge a 0.01% expense ratio.
Performance
LTFIX vs. JRLVX - Performance Comparison
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Returns By Period
In the year-to-date period, LTFIX achieves a 6.75% return, which is significantly lower than JRLVX's 9.88% return. Both investments have delivered pretty close results over the past 10 years, with LTFIX having a 11.73% annualized return and JRLVX not far behind at 11.46%.
LTFIX
- 1D
- -1.74%
- 1M
- -0.32%
- YTD
- 6.75%
- 6M
- 5.96%
- 1Y
- 17.19%
- 3Y*
- 17.44%
- 5Y*
- 8.56%
- 10Y*
- 11.73%
JRLVX
- 1D
- -1.75%
- 1M
- -0.00%
- YTD
- 9.88%
- 6M
- 8.98%
- 1Y
- 22.43%
- 3Y*
- 17.73%
- 5Y*
- 8.88%
- 10Y*
- 11.46%
LTFIX vs. JRLVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 6.75% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
JRLVX John Hancock Funds Multi-Index 2045 Lifetime Portfolio | 9.88% | 19.25% | 14.50% | 18.00% | -18.06% | 18.45% | 16.23% | 25.03% | -8.29% | 17.40% |
Correlation
The correlation between LTFIX and JRLVX is 0.98 - 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 | 0.98 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.97 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.98 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.98 |
Correlation (All Time) Calculated using the full available price history since Nov 8, 2013 | 0.98 |
The correlation between LTFIX and JRLVX has been stable across timeframes, ranging from 0.97 to 0.98 - a consistent structural relationship.
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Return for Risk
LTFIX vs. JRLVX — Risk / Return Rank
LTFIX
JRLVX
LTFIX vs. JRLVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2055 Fund (LTFIX) and John Hancock Funds Multi-Index 2045 Lifetime Portfolio (JRLVX). 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.
| LTFIX | JRLVX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.49 | ||
| Sortino ratioReturn per unit of downside risk | -0.62 | ||
| Omega ratioGain probability vs. loss probability | 1.27 | 1.36 | -0.09 |
| Calmar ratioReturn relative to maximum drawdown | 2.17 | 2.82 | -0.66 |
| Martin ratioReturn relative to average drawdown | 9.48 | 12.21 | -2.73 |
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Drawdowns
LTFIX vs. JRLVX - Drawdown Comparison
The maximum LTFIX drawdown since its inception was -52.73%, which is greater than JRLVX's maximum drawdown of -32.53%. Use the drawdown chart below to compare losses from any high point for LTFIX and JRLVX.
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Drawdown Indicators
| LTFIX | JRLVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.73% | -32.53% | -20.20% |
Max Drawdown (1Y)Largest decline over 1 year | -8.71% | -8.50% | -0.21% |
Max Drawdown (3Y)Largest decline over 3 years | -15.70% | -15.27% | -0.43% |
Max Drawdown (5Y)Largest decline over 5 years | -26.80% | -25.64% | -1.16% |
Max Drawdown (10Y)Largest decline over 10 years | -33.50% | -32.53% | -0.97% |
Current DrawdownCurrent decline from peak | -2.66% | -2.17% | -0.49% |
Average DrawdownAverage peak-to-trough decline | -7.62% | -4.54% | -3.08% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.98% | 1.96% | +0.02% |
Volatility
LTFIX vs. JRLVX - Volatility Comparison
Principal LifeTime 2055 Fund (LTFIX) and John Hancock Funds Multi-Index 2045 Lifetime Portfolio (JRLVX) have volatilities of 5.17% and 5.05%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTFIX | JRLVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.17% | 5.05% | +0.12% |
Volatility (6M)Calculated over the trailing 6-month period | 10.48% | 10.01% | +0.47% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.66% | 12.10% | +0.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.59% | 14.90% | +0.69% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.82% | 15.98% | -0.16% |
LTFIX vs. JRLVX - Expense Ratio Comparison
Both LTFIX and JRLVX have an expense ratio of 0.01%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
LTFIX vs. JRLVX - Dividend Comparison
LTFIX's dividend yield for the trailing twelve months is around 8.18%, more than JRLVX's 3.23% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
JRLVX John Hancock Funds Multi-Index 2045 Lifetime Portfolio | 3.23% | 3.55% | 1.89% | 2.24% | 8.03% | 6.00% | 4.26% | 8.99% | 10.96% | 4.29% | 3.40% | 1.90% |
LTFIX Principal LifeTime 2055 Fund | 8.18% | 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
With a correlation of 0.98, LTFIX and JRLVX 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.
LTFIX has higher volatility (5.17%) compared to JRLVX (5.05%). In terms of maximum drawdown, LTFIX dropped -52.73% vs JRLVX's -32.53%.
JRLVX currently has the higher Sharpe Ratio (1.99 vs 1.49), 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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