LTFIX vs. PDSYX
LTFIX (Principal LifeTime 2055 Fund) and PDSYX (Principal Diversified Select Real Asset Fund) are both mutual funds - LTFIX is a Target Retirement Date fund managed by Principal, while PDSYX is a Global Allocation fund managed by Principal. Over the past 5 years, LTFIX returned 8.75%/yr vs 3.56%/yr for PDSYX. Their 0.75 correlation means they have sometimes moved together and sometimes differently. LTFIX charges 0.01%/yr vs 1.20%/yr for PDSYX.
Performance
LTFIX vs. PDSYX - Performance Comparison
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Returns By Period
In the year-to-date period, LTFIX achieves a 8.75% return, which is significantly higher than PDSYX's 5.66% return.
LTFIX
- 1D
- 1.71%
- 1M
- 0.48%
- 6M
- 5.91%
- YTD
- 8.75%
- 1Y
- 18.10%
- 3Y*
- 16.06%
- 5Y*
- 8.75%
- 10Y*
- 11.24%
- ALL TIME*
- 8.34%
PDSYX
- 1D
- 0.28%
- 1M
- 0.95%
- 6M
- 3.92%
- YTD
- 5.66%
- 1Y
- 9.38%
- 3Y*
- 5.91%
- 5Y*
- 3.56%
- 10Y*
- —
- ALL TIME*
- 4.91%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
LTFIX vs. PDSYX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 8.75% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 7.15% |
PDSYX Principal Diversified Select Real Asset Fund | 5.66% | 7.90% | 3.65% | 2.45% | -5.36% | 14.81% | 2.43% | 4.08% |
Correlation
The correlation between LTFIX and PDSYX is 0.46, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.46 |
Correlation (3Y) Balances recent behavior with more history. | 0.64 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.72 |
Correlation (All Time) Calculated using the full available price history since Jul 11, 2019 | 0.75 |
Over the past year, the correlation between LTFIX and PDSYX has dropped to 0.46 - well below their long-term average of 0.75, suggesting their price drivers have been diverging.
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Return for Risk
LTFIX vs. PDSYX — Risk / Return Rank
LTFIX
PDSYX
LTFIX vs. PDSYX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2055 Fund (LTFIX) and Principal Diversified Select Real Asset Fund (PDSYX). 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 | PDSYX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.84 | ||
| Sortino ratioReturn per unit of downside risk | -3.08 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.63 | -0.40 |
| Calmar ratioReturn relative to maximum drawdown | 1.84 | 4.72 | -2.87 |
| Martin ratioReturn relative to average drawdown | 7.90 | 18.93 | -11.03 |
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Drawdowns
LTFIX vs. PDSYX - Drawdown Comparison
The maximum LTFIX drawdown since its inception was -52.73%, which is greater than PDSYX's maximum drawdown of -30.01%. Use the drawdown chart below to compare losses from any high point for LTFIX and PDSYX.
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Drawdown Indicators
| LTFIX | PDSYX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.73% | -30.01% | -22.72% |
Max Drawdown (1Y)Largest decline over 1 year | -8.71% | -1.98% | -6.73% |
Max Drawdown (3Y)Largest decline over 3 years | -15.70% | -5.84% | -9.86% |
Max Drawdown (5Y)Largest decline over 5 years | -26.80% | -10.95% | -15.85% |
Max Drawdown (10Y)Largest decline over 10 years | -33.50% | — | — |
Current DrawdownCurrent decline from peak | -0.83% | 0.00% | -0.83% |
Average DrawdownAverage peak-to-trough decline | -7.58% | -4.26% | -3.32% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.03% | 0.49% | +1.54% |
Volatility
LTFIX vs. PDSYX - Volatility Comparison
Principal LifeTime 2055 Fund (LTFIX) has a higher volatility of 3.49% compared to Principal Diversified Select Real Asset Fund (PDSYX) at 0.72%. This indicates that LTFIX's price experiences larger fluctuations and is considered to be riskier than PDSYX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTFIX | PDSYX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.49% | 0.72% | +2.77% |
Volatility (6M)Calculated over the trailing 6-month period | 10.64% | 2.36% | +8.28% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.88% | 3.02% | +9.86% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.60% | 6.23% | +9.37% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.80% | 8.63% | +7.17% |
LTFIX vs. PDSYX - Expense Ratio Comparison
LTFIX has a 0.01% expense ratio, which is lower than PDSYX's 1.20% expense ratio.
Dividends
LTFIX vs. PDSYX - Dividend Comparison
LTFIX's dividend yield for the trailing twelve months is around 8.02%, more than PDSYX's 1.55% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
PDSYX Principal Diversified Select Real Asset Fund | 1.55% | 1.85% | 2.18% | 2.06% | 1.58% | 7.46% | 2.70% | 1.21% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
LTFIX and PDSYX have a correlation of 0.46, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LTFIX has higher volatility (3.49%) compared to PDSYX (0.72%). In terms of maximum drawdown, LTFIX dropped -52.73% vs PDSYX's -30.01%.
PDSYX currently has the higher Sharpe Ratio (3.09 vs 1.25), 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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