LTINX vs. URTRX
Compare and contrast key facts about Principal LifeTime 2015 Fund (LTINX) and USAA Target Retirement 2030 Fund (URTRX).
LTINX is managed by Principal. It was launched on Feb 28, 2008. URTRX is managed by Victory. It was launched on Jul 30, 2008.
Performance
LTINX vs. URTRX - Performance Comparison
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LTINX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTINX Principal LifeTime 2015 Fund | -0.85% | 10.61% | 10.67% | 11.15% | -13.61% | 7.41% | 11.87% | 16.32% | -4.72% | 13.19% |
URTRX USAA Target Retirement 2030 Fund | 0.38% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
Returns By Period
In the year-to-date period, LTINX achieves a -0.85% return, which is significantly lower than URTRX's 0.38% return. Over the past 10 years, LTINX has underperformed URTRX with an annualized return of 6.25%, while URTRX has yielded a comparatively higher 7.49% annualized return.
LTINX
- 1D
- 1.12%
- 1M
- -2.75%
- YTD
- -0.85%
- 6M
- 0.24%
- 1Y
- 8.10%
- 3Y*
- 9.08%
- 5Y*
- 4.22%
- 10Y*
- 6.25%
URTRX
- 1D
- 1.53%
- 1M
- -3.35%
- YTD
- 0.38%
- 6M
- 2.33%
- 1Y
- 13.74%
- 3Y*
- 10.83%
- 5Y*
- 5.75%
- 10Y*
- 7.49%
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LTINX vs. URTRX - Expense Ratio Comparison
LTINX has a 0.02% expense ratio, which is lower than URTRX'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%.
Return for Risk
LTINX vs. URTRX — Risk / Return Rank
LTINX
URTRX
LTINX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2015 Fund (LTINX) and USAA Target Retirement 2030 Fund (URTRX). 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.
| LTINX | URTRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.27 | 1.58 | -0.31 |
Sortino ratioReturn per unit of downside risk | 1.81 | 2.25 | -0.44 |
Omega ratioGain probability vs. loss probability | 1.27 | 1.33 | -0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.71 | 2.11 | -0.41 |
Martin ratioReturn relative to average drawdown | 7.39 | 9.81 | -2.42 |
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
| LTINX | URTRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.27 | 1.58 | -0.31 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.58 | 0.60 | -0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.86 | 0.73 | +0.13 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.49 | 0.58 | -0.09 |
Correlation
The correlation between LTINX and URTRX is 0.95, 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
LTINX vs. URTRX - Dividend Comparison
LTINX's dividend yield for the trailing twelve months is around 12.01%, more than URTRX's 6.75% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTINX Principal LifeTime 2015 Fund | 12.01% | 11.91% | 10.80% | 4.75% | 7.98% | 8.21% | 5.51% | 12.76% | 9.62% | 7.62% | 3.63% | 8.86% |
URTRX USAA Target Retirement 2030 Fund | 6.75% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Drawdowns
LTINX vs. URTRX - Drawdown Comparison
The maximum LTINX drawdown since its inception was -44.03%, which is greater than URTRX's maximum drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for LTINX and URTRX.
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Drawdown Indicators
| LTINX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -44.03% | -34.10% | -9.93% |
Max Drawdown (1Y)Largest decline over 1 year | -4.98% | -6.63% | +1.65% |
Max Drawdown (5Y)Largest decline over 5 years | -18.54% | -19.52% | +0.98% |
Max Drawdown (10Y)Largest decline over 10 years | -18.54% | -23.56% | +5.02% |
Current DrawdownCurrent decline from peak | -3.10% | -3.84% | +0.74% |
Average DrawdownAverage peak-to-trough decline | -5.22% | -4.19% | -1.03% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.15% | 1.43% | -0.28% |
Volatility
LTINX vs. URTRX - Volatility Comparison
The current volatility for Principal LifeTime 2015 Fund (LTINX) is 2.75%, while USAA Target Retirement 2030 Fund (URTRX) has a volatility of 3.55%. This indicates that LTINX experiences smaller price fluctuations and is considered to be less risky than URTRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTINX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.75% | 3.55% | -0.80% |
Volatility (6M)Calculated over the trailing 6-month period | 3.97% | 5.46% | -1.49% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.59% | 8.89% | -2.30% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.32% | 9.67% | -2.35% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.32% | 10.33% | -3.01% |