LTFIX vs. PLTZX
LTFIX (Principal LifeTime 2055 Fund) and PLTZX (Principal LifeTime 2060 Fund) are both Target Retirement Date funds from Principal. Over the past 10 years, LTFIX returned 11.59%/yr vs 11.62%/yr for PLTZX. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.01% expense ratio.
Performance
LTFIX vs. PLTZX - Performance Comparison
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Returns By Period
As of year-to-date, both investments have demonstrated similar returns, with LTFIX at 9.67% and PLTZX at 9.67%. Both investments have delivered pretty close results over the past 10 years, with LTFIX having a 11.59% annualized return and PLTZX not far ahead at 11.62%.
LTFIX
- 1D
- 0.42%
- 1M
- 4.75%
- YTD
- 9.67%
- 6M
- 10.05%
- 1Y
- 22.88%
- 3Y*
- 18.84%
- 5Y*
- 9.37%
- 10Y*
- 11.59%
PLTZX
- 1D
- 0.44%
- 1M
- 4.72%
- YTD
- 9.67%
- 6M
- 10.04%
- 1Y
- 22.84%
- 3Y*
- 18.70%
- 5Y*
- 9.32%
- 10Y*
- 11.62%
LTFIX vs. PLTZX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 9.67% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
PLTZX Principal LifeTime 2060 Fund | 9.67% | 17.76% | 16.89% | 20.36% | -18.81% | 18.12% | 16.60% | 27.54% | -9.24% | 22.68% |
Correlation
The correlation between LTFIX and PLTZX is 1.00 - 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 | 1.00 |
Correlation (3Y) Calculated over the trailing 3-year period | 1.00 |
Correlation (5Y) Calculated over the trailing 5-year period | 1.00 |
Correlation (10Y) Calculated over the trailing 10-year period | 1.00 |
Correlation (All Time) Calculated using the full available price history since Mar 5, 2013 | 1.00 |
The correlation between LTFIX and PLTZX has been stable across timeframes, ranging from 1.00 to 1.00 - a consistent structural relationship.
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Return for Risk
LTFIX vs. PLTZX — Risk / Return Rank
LTFIX
PLTZX
LTFIX vs. PLTZX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2055 Fund (LTFIX) and Principal LifeTime 2060 Fund (PLTZX). 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.
| LTFIX | PLTZX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.01 | ||
| Sortino ratioReturn per unit of downside risk | -0.01 | ||
| Omega ratioGain probability vs. loss probability | 1.36 | 1.37 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 2.68 | 2.68 | 0.00 |
| Martin ratioReturn relative to average drawdown | 12.06 | 12.08 | -0.02 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| LTFIX | PLTZX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.97 | 1.98 | -0.01 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.61 | 0.61 | 0.00 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | 0.73 | +0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.47 | 0.70 | -0.24 |
Drawdowns
LTFIX vs. PLTZX - Drawdown Comparison
The maximum LTFIX drawdown since its inception was -52.73%, which is greater than PLTZX's maximum drawdown of -34.01%. Use the drawdown chart below to compare losses from any high point for LTFIX and PLTZX.
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Drawdown Indicators
| LTFIX | PLTZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.73% | -34.01% | -18.72% |
Max Drawdown (1Y)Largest decline over 1 year | -8.71% | -8.70% | -0.01% |
Max Drawdown (3Y)Largest decline over 3 years | -15.70% | -15.73% | +0.03% |
Max Drawdown (5Y)Largest decline over 5 years | -26.80% | -26.79% | -0.01% |
Max Drawdown (10Y)Largest decline over 10 years | -33.50% | -34.01% | +0.51% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -7.64% | -4.63% | -3.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.93% | 1.93% | 0.00% |
Volatility
LTFIX vs. PLTZX - Volatility Comparison
Principal LifeTime 2055 Fund (LTFIX) and Principal LifeTime 2060 Fund (PLTZX) have volatilities of 3.34% and 3.30%, 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 | PLTZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.34% | 3.30% | +0.04% |
Volatility (6M)Calculated over the trailing 6-month period | 9.46% | 9.44% | +0.02% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.84% | 11.80% | +0.04% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.46% | 15.46% | 0.00% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.84% | 15.99% | -0.15% |
LTFIX vs. PLTZX - Expense Ratio Comparison
Both LTFIX and PLTZX 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. PLTZX - Dividend Comparison
LTFIX's dividend yield for the trailing twelve months is around 7.96%, more than PLTZX's 7.60% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 7.96% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
PLTZX Principal LifeTime 2060 Fund | 7.60% | 8.33% | 7.85% | 4.12% | 8.44% | 5.29% | 3.60% | 5.86% | 5.75% | 2.73% | 3.48% | 3.29% |
Frequently Asked Questions
With a correlation of 1.00, LTFIX and PLTZX 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 (3.34%) compared to PLTZX (3.30%). In terms of maximum drawdown, LTFIX dropped -52.73% vs PLTZX's -34.01%.
PLTZX currently has the higher Sharpe Ratio (1.98 vs 1.97), 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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