LTFIX vs. WFSPX
LTFIX (Principal LifeTime 2055 Fund) and WFSPX (iShares S&P 500 Index Fund Class K) are both mutual funds - LTFIX is a Target Retirement Date fund managed by Principal, while WFSPX is a S&P 500 fund tracking the S&P 500 Index. Over the past 10 years, LTFIX returned 11.62%/yr vs 15.46%/yr for WFSPX. With a 0.95 correlation, they move nearly in lockstep. LTFIX charges 0.01%/yr vs 0.03%/yr for WFSPX.
Performance
LTFIX vs. WFSPX - Performance Comparison
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Returns By Period
In the year-to-date period, LTFIX achieves a 8.98% return, which is significantly lower than WFSPX's 10.17% return. Over the past 10 years, LTFIX has underperformed WFSPX with an annualized return of 11.62%, while WFSPX has yielded a comparatively higher 15.46% annualized return.
LTFIX
- 1D
- 1.22%
- 1M
- 1.76%
- YTD
- 8.98%
- 6M
- 8.84%
- 1Y
- 22.25%
- 3Y*
- 17.49%
- 5Y*
- 9.45%
- 10Y*
- 11.62%
WFSPX
- 1D
- 1.09%
- 1M
- 0.46%
- YTD
- 10.17%
- 6M
- 9.66%
- 1Y
- 27.12%
- 3Y*
- 20.94%
- 5Y*
- 14.06%
- 10Y*
- 15.46%
LTFIX vs. WFSPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 8.98% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
WFSPX iShares S&P 500 Index Fund Class K | 10.17% | 17.83% | 24.94% | 26.25% | -18.14% | 28.63% | 18.43% | 31.45% | -4.83% | 21.27% |
Correlation
The correlation between LTFIX and WFSPX is 0.93, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.93 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.92 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.94 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.94 |
Correlation (All Time) Calculated using the full available price history since Feb 29, 2008 | 0.95 |
The correlation between LTFIX and WFSPX has been stable across timeframes, ranging from 0.92 to 0.95 - a consistent structural relationship.
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Return for Risk
LTFIX vs. WFSPX — Risk / Return Rank
LTFIX
WFSPX
LTFIX vs. WFSPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2055 Fund (LTFIX) and iShares S&P 500 Index Fund Class K (WFSPX). 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 | WFSPX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.41 | ||
| Sortino ratioReturn per unit of downside risk | -0.47 | ||
| Omega ratioGain probability vs. loss probability | 1.32 | 1.39 | -0.07 |
| Calmar ratioReturn relative to maximum drawdown | 2.52 | 3.03 | -0.51 |
| Martin ratioReturn relative to average drawdown | 11.07 | 13.70 | -2.64 |
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Drawdowns
LTFIX vs. WFSPX - Drawdown Comparison
The maximum LTFIX drawdown since its inception was -52.73%, smaller than the maximum WFSPX drawdown of -58.21%. Use the drawdown chart below to compare losses from any high point for LTFIX and WFSPX.
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Drawdown Indicators
| LTFIX | WFSPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.73% | -58.21% | +5.48% |
Max Drawdown (1Y)Largest decline over 1 year | -8.71% | -8.90% | +0.19% |
Max Drawdown (3Y)Largest decline over 3 years | -15.70% | -18.74% | +3.04% |
Max Drawdown (5Y)Largest decline over 5 years | -26.80% | -24.51% | -2.29% |
Max Drawdown (10Y)Largest decline over 10 years | -33.50% | -33.74% | +0.24% |
Current DrawdownCurrent decline from peak | -0.63% | -1.36% | +0.73% |
Average DrawdownAverage peak-to-trough decline | -7.62% | -12.76% | +5.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.98% | 1.96% | +0.02% |
Volatility
LTFIX vs. WFSPX - Volatility Comparison
Principal LifeTime 2055 Fund (LTFIX) and iShares S&P 500 Index Fund Class K (WFSPX) have volatilities of 4.94% and 4.77%, 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 | WFSPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.94% | 4.77% | +0.17% |
Volatility (6M)Calculated over the trailing 6-month period | 10.36% | 9.90% | +0.46% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.53% | 12.46% | +0.07% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.57% | 16.97% | -1.40% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.88% | 18.07% | -2.19% |
LTFIX vs. WFSPX - Expense Ratio Comparison
LTFIX has a 0.01% expense ratio, which is lower than WFSPX's 0.03% 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%.
Dividends
LTFIX vs. WFSPX - Dividend Comparison
LTFIX's dividend yield for the trailing twelve months is around 8.01%, more than WFSPX's 1.59% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 8.01% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
WFSPX iShares S&P 500 Index Fund Class K | 1.59% | 1.72% | 1.41% | 1.50% | 2.02% | 1.82% | 1.66% | 1.99% | 2.00% | 1.62% | 2.37% | 2.49% |
Frequently Asked Questions
With a correlation of 0.93, LTFIX and WFSPX 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 (4.94%) compared to WFSPX (4.77%). In terms of maximum drawdown, LTFIX dropped -52.73% vs WFSPX's -58.21%.
WFSPX currently has the higher Sharpe Ratio (2.16 vs 1.75), 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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