LTFIX vs. URFFX
LTFIX (Principal LifeTime 2055 Fund) and URFFX (USAA Target Retirement 2050 Fund) are both Target Retirement Date funds. Over the past 10 years, LTFIX returned 11.24%/yr vs 10.12%/yr for URFFX. Their 0.97 correlation means they have historically moved very closely together. LTFIX charges 0.01%/yr vs 0.58%/yr for URFFX.
Performance
LTFIX vs. URFFX - Performance Comparison
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Returns By Period
In the year-to-date period, LTFIX achieves a 8.75% return, which is significantly lower than URFFX's 13.05% return. Over the past 10 years, LTFIX has outperformed URFFX with an annualized return of 11.24%, while URFFX has yielded a comparatively lower 10.12% annualized 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%
URFFX
- 1D
- 1.41%
- 1M
- 0.64%
- 6M
- 9.62%
- YTD
- 13.05%
- 1Y
- 24.29%
- 3Y*
- 16.22%
- 5Y*
- 9.38%
- 10Y*
- 10.12%
- ALL TIME*
- 8.09%
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. URFFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 8.75% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
URFFX USAA Target Retirement 2050 Fund | 13.05% | 19.35% | 11.86% | 18.12% | -15.66% | 17.70% | 10.52% | 20.16% | -9.01% | 19.40% |
Correlation
The correlation between LTFIX and URFFX is 0.97 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.98 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Aug 4, 2008 | 0.97 |
The correlation between LTFIX and URFFX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.
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Return for Risk
LTFIX vs. URFFX — Risk / Return Rank
LTFIX
URFFX
LTFIX vs. URFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2055 Fund (LTFIX) and USAA Target Retirement 2050 Fund (URFFX). 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 | URFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.67 | ||
| Sortino ratioReturn per unit of downside risk | -0.90 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.35 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | 1.84 | 2.87 | -1.03 |
| Martin ratioReturn relative to average drawdown | 7.90 | 12.30 | -4.40 |
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Drawdowns
LTFIX vs. URFFX - Drawdown Comparison
The maximum LTFIX drawdown since its inception was -52.73%, which is greater than URFFX's maximum drawdown of -44.25%. Use the drawdown chart below to compare losses from any high point for LTFIX and URFFX.
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Drawdown Indicators
| LTFIX | URFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.73% | -44.25% | -8.48% |
Max Drawdown (1Y)Largest decline over 1 year | -8.71% | -7.89% | -0.82% |
Max Drawdown (3Y)Largest decline over 3 years | -15.70% | -14.14% | -1.56% |
Max Drawdown (5Y)Largest decline over 5 years | -26.80% | -23.76% | -3.04% |
Max Drawdown (10Y)Largest decline over 10 years | -33.50% | -29.97% | -3.53% |
Current DrawdownCurrent decline from peak | -0.83% | -0.17% | -0.66% |
Average DrawdownAverage peak-to-trough decline | -7.58% | -5.88% | -1.70% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.03% | 1.84% | +0.19% |
Volatility
LTFIX vs. URFFX - Volatility Comparison
Principal LifeTime 2055 Fund (LTFIX) has a higher volatility of 3.49% compared to USAA Target Retirement 2050 Fund (URFFX) at 2.93%. This indicates that LTFIX's price experiences larger fluctuations and is considered to be riskier than URFFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTFIX | URFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.49% | 2.93% | +0.56% |
Volatility (6M)Calculated over the trailing 6-month period | 10.64% | 9.82% | +0.82% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.88% | 11.86% | +1.02% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.60% | 13.97% | +1.63% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.80% | 14.33% | +1.47% |
LTFIX vs. URFFX - Expense Ratio Comparison
LTFIX has a 0.01% expense ratio, which is lower than URFFX's 0.58% expense ratio.
Dividends
LTFIX vs. URFFX - Dividend Comparison
LTFIX's dividend yield for the trailing twelve months is around 8.02%, more than URFFX's 5.72% 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% |
URFFX USAA Target Retirement 2050 Fund | 5.72% | 6.46% | 2.61% | 3.39% | 11.40% | 8.13% | 6.25% | 11.76% | 10.21% | 5.55% | 3.91% | 2.57% |
Frequently Asked Questions
With a correlation of 0.97, LTFIX and URFFX 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 (3.49%) compared to URFFX (2.93%). In terms of maximum drawdown, LTFIX dropped -52.73% vs URFFX's -44.25%.
URFFX currently has the higher Sharpe Ratio (1.91 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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