LTINX vs. LTIUX

Last updated Jul 17, 2026

LTINX (Principal LifeTime 2015 Fund) and LTIUX (Principal LifeTime 2035 Fund) are both Target Retirement Date funds from Principal. With a 0.97 correlation, they move nearly in lockstep. LTINX charges 0.02%/yr vs 0.01%/yr for LTIUX.

Performance

LTINX vs. LTIUX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Principal LifeTime 2015 Fund (LTINX) and Principal LifeTime 2035 Fund (LTIUX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

LTINX

• 1D: —
• 1M: —
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

LTIUX

• 1D: 0.28%
• 1M: -0.00%
• 6M: 4.21%
• YTD: 6.25%
• 1Y: 13.53%
• 3Y*: 13.26%
• 5Y*: 6.76%
• 10Y*: 9.38%

*Multi-year figures are annualized to reflect compound growth (CAGR)

LTINX vs. LTIUX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
LTINX Principal LifeTime 2015 Fund	3.69%	10.61%	10.67%	11.15%	-13.61%	7.41%	11.87%	16.32%	-4.72%	13.19%
LTIUX Principal LifeTime 2035 Fund	6.25%	14.26%	14.13%	16.51%	-17.48%	14.07%	15.70%	23.48%	-7.37%	19.69%

Correlation

The correlation between LTINX and LTIUX is 0.91, 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	0.91
Correlation (3Y) Calculated over the trailing 3-year period	0.94
Correlation (5Y) Calculated over the trailing 5-year period	0.95
Correlation (10Y) Calculated over the trailing 10-year period	0.96
Correlation (All Time) Calculated using the full available price history since Mar 3, 2008	0.97

The correlation between LTINX and LTIUX has been stable across timeframes, ranging from 0.91 to 0.97 - a consistent structural relationship.

Return for Risk

LTINX vs. LTIUX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

LTINX

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

LTIUX

LTIUX Risk / Return Rank: 43
LTIUX Sharpe Ratio Rank: 40
LTIUX Sortino Ratio Rank: 40
LTIUX Omega Ratio Rank: 41
LTIUX Calmar Ratio Rank: 42
LTIUX Martin Ratio Rank: 53

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

LTINX vs. LTIUX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2015 Fund (LTINX) and Principal LifeTime 2035 Fund (LTIUX). 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.

	LTINX	LTIUX	Difference
Sharpe ratio: Return per unit of total volatility	—	1.44	—
Sortino ratio: Return per unit of downside risk	—	2.06	—
Omega ratio: Gain probability vs. loss probability	—	1.27	—
Calmar ratio: Return relative to maximum drawdown	—	2.02	—
Martin ratio: Return relative to average drawdown	—	8.72	—

Drawdowns

Drawdown Indicators

	LTINX	LTIUX	Difference
Max Drawdown Largest peak-to-trough decline	—	-49.65%	—
Max Drawdown (1Y) Largest decline over 1 year	—	-6.57%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-11.08%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-24.23%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-28.12%	—
Current Drawdown Current decline from peak	—	-0.49%	—
Average Drawdown Average peak-to-trough decline	—	-6.67%	—
Ulcer Index Depth and duration of drawdowns from previous peaks	—	1.52%	—

Volatility

Volatility by Period

	LTINX	LTIUX	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	2.64%	—
Volatility (6M) Calculated over the trailing 6-month period	—	7.70%	—
Volatility (1Y) Calculated over the trailing 1-year period	—	9.19%	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	—	11.92%	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	—	12.42%	—

LTINX vs. LTIUX - Expense Ratio Comparison

LTINX has a 0.02% expense ratio, which is higher than LTIUX's 0.01% 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%.

Dividends

LTINX vs. LTIUX - Dividend Comparison

LTINX's dividend yield for the trailing twelve months is around 18.99%, more than LTIUX's 8.50% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
LTINX Principal LifeTime 2015 Fund	18.99%	11.91%	10.80%	4.75%	7.98%	8.21%	5.51%	12.76%	9.62%	7.62%	3.63%	8.86%
LTIUX Principal LifeTime 2035 Fund	8.50%	9.03%	9.46%	4.17%	7.50%	7.06%	5.35%	7.28%	7.75%	5.46%	4.28%	5.59%

Frequently Asked Questions

Can I hold both LTINX and LTIUX in my portfolio?

With a correlation of 0.91, LTINX and LTIUX 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.