LTFIX vs. SWMRX
Compare and contrast key facts about Principal LifeTime 2055 Fund (LTFIX) and Schwab Target 2045 Fund (SWMRX).
LTFIX is managed by Principal. It was launched on Feb 28, 2008. SWMRX is managed by Charles Schwab. It was launched on Jan 22, 2013.
Performance
LTFIX vs. SWMRX - Performance Comparison
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LTFIX vs. SWMRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | -5.21% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
SWMRX Schwab Target 2045 Fund | -3.79% | 18.84% | 13.37% | 20.10% | -19.24% | 16.85% | 14.95% | 23.95% | -9.82% | 21.39% |
Returns By Period
In the year-to-date period, LTFIX achieves a -5.21% return, which is significantly lower than SWMRX's -3.79% return. Over the past 10 years, LTFIX has outperformed SWMRX with an annualized return of 10.20%, while SWMRX has yielded a comparatively lower 9.44% annualized return.
LTFIX
- 1D
- -0.30%
- 1M
- -8.30%
- YTD
- -5.21%
- 6M
- -2.99%
- 1Y
- 12.51%
- 3Y*
- 14.10%
- 5Y*
- 7.41%
- 10Y*
- 10.20%
SWMRX
- 1D
- -0.22%
- 1M
- -8.20%
- YTD
- -3.79%
- 6M
- -1.16%
- 1Y
- 15.04%
- 3Y*
- 13.38%
- 5Y*
- 7.05%
- 10Y*
- 9.44%
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LTFIX vs. SWMRX - Expense Ratio Comparison
LTFIX has a 0.01% expense ratio, which is higher than SWMRX's 0.00% 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%.
Return for Risk
LTFIX vs. SWMRX — Risk / Return Rank
LTFIX
SWMRX
LTFIX vs. SWMRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2055 Fund (LTFIX) and Schwab Target 2045 Fund (SWMRX). 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 | SWMRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.80 | 1.06 | -0.26 |
Sortino ratioReturn per unit of downside risk | 1.24 | 1.55 | -0.30 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.23 | -0.05 |
Calmar ratioReturn relative to maximum drawdown | 0.94 | 1.33 | -0.39 |
Martin ratioReturn relative to average drawdown | 4.55 | 6.07 | -1.52 |
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 | SWMRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.80 | 1.06 | -0.26 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.48 | 0.46 | +0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | 0.61 | +0.04 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.42 | 0.62 | -0.20 |
Correlation
The correlation between LTFIX and SWMRX is 0.97, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
LTFIX vs. SWMRX - Dividend Comparison
LTFIX's dividend yield for the trailing twelve months is around 9.21%, more than SWMRX's 5.38% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 9.21% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
SWMRX Schwab Target 2045 Fund | 5.38% | 5.18% | 3.14% | 2.98% | 7.88% | 5.18% | 2.45% | 5.46% | 6.63% | 2.79% | 5.28% | 5.76% |
Drawdowns
LTFIX vs. SWMRX - Drawdown Comparison
The maximum LTFIX drawdown since its inception was -52.73%, which is greater than SWMRX's maximum drawdown of -30.41%. Use the drawdown chart below to compare losses from any high point for LTFIX and SWMRX.
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Drawdown Indicators
| LTFIX | SWMRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.73% | -30.41% | -22.32% |
Max Drawdown (1Y)Largest decline over 1 year | -11.48% | -10.17% | -1.31% |
Max Drawdown (5Y)Largest decline over 5 years | -26.80% | -30.12% | +3.32% |
Max Drawdown (10Y)Largest decline over 10 years | -33.50% | -30.41% | -3.09% |
Current DrawdownCurrent decline from peak | -8.71% | -8.62% | -0.09% |
Average DrawdownAverage peak-to-trough decline | -7.70% | -5.23% | -2.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.37% | 2.23% | +0.14% |
Volatility
LTFIX vs. SWMRX - Volatility Comparison
Principal LifeTime 2055 Fund (LTFIX) has a higher volatility of 4.93% compared to Schwab Target 2045 Fund (SWMRX) at 4.53%. This indicates that LTFIX's price experiences larger fluctuations and is considered to be riskier than SWMRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTFIX | SWMRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.93% | 4.53% | +0.40% |
Volatility (6M)Calculated over the trailing 6-month period | 8.89% | 8.17% | +0.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.73% | 14.24% | +1.49% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.37% | 15.34% | +0.03% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.77% | 15.46% | +0.31% |