LTFIX vs. SWYOX
Compare and contrast key facts about Principal LifeTime 2055 Fund (LTFIX) and Schwab Target 2065 Index Fund (SWYOX).
LTFIX is managed by Principal. It was launched on Feb 28, 2008. SWYOX is managed by Charles Schwab. It was launched on Feb 24, 2021.
Performance
LTFIX vs. SWYOX - Performance Comparison
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LTFIX vs. SWYOX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | -5.21% | 17.80% | 17.28% | 20.33% | -18.84% | 14.86% |
SWYOX Schwab Target 2065 Index Fund | -3.97% | 20.48% | 14.95% | 21.61% | -17.90% | 16.04% |
Returns By Period
In the year-to-date period, LTFIX achieves a -5.21% return, which is significantly lower than SWYOX's -3.97% 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%
SWYOX
- 1D
- -0.28%
- 1M
- -8.53%
- YTD
- -3.97%
- 6M
- -1.17%
- 1Y
- 16.64%
- 3Y*
- 14.89%
- 5Y*
- 8.38%
- 10Y*
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LTFIX vs. SWYOX - Expense Ratio Comparison
LTFIX has a 0.01% expense ratio, which is lower than SWYOX's 0.04% 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%.
Return for Risk
LTFIX vs. SWYOX — Risk / Return Rank
LTFIX
SWYOX
LTFIX vs. SWYOX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2055 Fund (LTFIX) and Schwab Target 2065 Index Fund (SWYOX). 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 | SWYOX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.80 | 1.03 | -0.22 |
Sortino ratioReturn per unit of downside risk | 1.24 | 1.53 | -0.28 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.23 | -0.05 |
Calmar ratioReturn relative to maximum drawdown | 0.94 | 1.29 | -0.35 |
Martin ratioReturn relative to average drawdown | 4.55 | 6.19 | -1.64 |
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 | SWYOX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.80 | 1.03 | -0.22 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.48 | 0.54 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.42 | 0.58 | -0.16 |
Correlation
The correlation between LTFIX and SWYOX 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. SWYOX - Dividend Comparison
LTFIX's dividend yield for the trailing twelve months is around 9.21%, more than SWYOX's 1.95% 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% |
SWYOX Schwab Target 2065 Index Fund | 1.95% | 1.87% | 1.76% | 1.82% | 1.80% | 1.24% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Drawdowns
LTFIX vs. SWYOX - Drawdown Comparison
The maximum LTFIX drawdown since its inception was -52.73%, which is greater than SWYOX's maximum drawdown of -26.02%. Use the drawdown chart below to compare losses from any high point for LTFIX and SWYOX.
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Drawdown Indicators
| LTFIX | SWYOX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.73% | -26.02% | -26.71% |
Max Drawdown (1Y)Largest decline over 1 year | -11.48% | -11.64% | +0.16% |
Max Drawdown (5Y)Largest decline over 5 years | -26.80% | -26.02% | -0.78% |
Max Drawdown (10Y)Largest decline over 10 years | -33.50% | — | — |
Current DrawdownCurrent decline from peak | -8.71% | -9.13% | +0.42% |
Average DrawdownAverage peak-to-trough decline | -7.70% | -5.88% | -1.82% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.37% | 2.43% | -0.06% |
Volatility
LTFIX vs. SWYOX - Volatility Comparison
Principal LifeTime 2055 Fund (LTFIX) and Schwab Target 2065 Index Fund (SWYOX) have volatilities of 4.93% and 5.01%, 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 | SWYOX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.93% | 5.01% | -0.08% |
Volatility (6M)Calculated over the trailing 6-month period | 8.89% | 9.01% | -0.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.73% | 16.38% | -0.65% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.37% | 15.47% | -0.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.77% | 15.45% | +0.32% |