LTIUX vs. PTDIX
LTIUX (Principal LifeTime 2035 Fund) and PTDIX (Principal LifeTime 2040 Fund) are both Target Retirement Date funds from Principal. Over the past 10 years, LTIUX returned 9.64%/yr vs 10.60%/yr for PTDIX. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.01% expense ratio.
Performance
LTIUX vs. PTDIX - Performance Comparison
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Returns By Period
In the year-to-date period, LTIUX achieves a 6.33% return, which is significantly lower than PTDIX's 7.32% return. Over the past 10 years, LTIUX has underperformed PTDIX with an annualized return of 9.64%, while PTDIX has yielded a comparatively higher 10.60% annualized return.
LTIUX
- 1D
- 0.86%
- 1M
- 1.51%
- YTD
- 6.33%
- 6M
- 6.71%
- 1Y
- 16.44%
- 3Y*
- 13.92%
- 5Y*
- 7.05%
- 10Y*
- 9.64%
PTDIX
- 1D
- 1.02%
- 1M
- 1.65%
- YTD
- 7.32%
- 6M
- 7.72%
- 1Y
- 18.66%
- 3Y*
- 16.00%
- 5Y*
- 8.36%
- 10Y*
- 10.60%
LTIUX vs. PTDIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTIUX Principal LifeTime 2035 Fund | 6.33% | 14.26% | 14.13% | 16.51% | -17.48% | 14.07% | 15.70% | 23.48% | -7.37% | 19.69% |
PTDIX Principal LifeTime 2040 Fund | 7.32% | 15.59% | 17.43% | 18.33% | -18.13% | 15.35% | 16.04% | 24.91% | -7.95% | 20.69% |
Correlation
The correlation between LTIUX and PTDIX is 0.99 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.99 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.99 |
Correlation (5Y) Calculated over the trailing 5-year period | 1.00 |
Correlation (10Y) Calculated over the trailing 10-year period | 1.00 |
Correlation (All Time) Calculated using the full available price history since Mar 3, 2008 | 1.00 |
The correlation between LTIUX and PTDIX has been stable across timeframes, ranging from 0.99 to 1.00 - a consistent structural relationship.
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Return for Risk
LTIUX vs. PTDIX — Risk / Return Rank
LTIUX
PTDIX
LTIUX vs. PTDIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2035 Fund (LTIUX) and Principal LifeTime 2040 Fund (PTDIX). 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.
| LTIUX | PTDIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.02 | ||
| Sortino ratioReturn per unit of downside risk | +0.05 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.33 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.48 | 2.52 | -0.04 |
| Martin ratioReturn relative to average drawdown | 10.87 | 10.99 | -0.12 |
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Drawdowns
LTIUX vs. PTDIX - Drawdown Comparison
The maximum LTIUX drawdown since its inception was -49.65%, smaller than the maximum PTDIX drawdown of -54.38%. Use the drawdown chart below to compare losses from any high point for LTIUX and PTDIX.
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Drawdown Indicators
| LTIUX | PTDIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.65% | -54.38% | +4.73% |
Max Drawdown (1Y)Largest decline over 1 year | -6.57% | -7.32% | +0.75% |
Max Drawdown (3Y)Largest decline over 3 years | -11.08% | -13.05% | +1.97% |
Max Drawdown (5Y)Largest decline over 5 years | -24.23% | -25.43% | +1.20% |
Max Drawdown (10Y)Largest decline over 10 years | -28.12% | -30.02% | +1.90% |
Current DrawdownCurrent decline from peak | -0.35% | -0.45% | +0.10% |
Average DrawdownAverage peak-to-trough decline | -6.69% | -7.48% | +0.79% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.50% | 1.68% | -0.18% |
Volatility
LTIUX vs. PTDIX - Volatility Comparison
The current volatility for Principal LifeTime 2035 Fund (LTIUX) is 3.51%, while Principal LifeTime 2040 Fund (PTDIX) has a volatility of 4.05%. This indicates that LTIUX experiences smaller price fluctuations and is considered to be less risky than PTDIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTIUX | PTDIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.51% | 4.05% | -0.54% |
Volatility (6M)Calculated over the trailing 6-month period | 7.56% | 8.56% | -1.00% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.09% | 10.36% | -1.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.90% | 13.58% | -1.68% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.52% | 13.86% | -1.34% |
LTIUX vs. PTDIX - Expense Ratio Comparison
Both LTIUX and PTDIX have an expense ratio of 0.01%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
LTIUX vs. PTDIX - Dividend Comparison
LTIUX's dividend yield for the trailing twelve months is around 8.49%, less than PTDIX's 9.13% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTIUX Principal LifeTime 2035 Fund | 8.49% | 9.03% | 9.46% | 4.17% | 7.50% | 7.06% | 5.35% | 7.28% | 7.75% | 5.46% | 4.28% | 5.59% |
PTDIX Principal LifeTime 2040 Fund | 9.13% | 9.80% | 12.28% | 4.40% | 8.61% | 8.92% | 6.01% | 7.26% | 9.28% | 6.07% | 4.86% | 6.73% |
Frequently Asked Questions
With a correlation of 0.99, LTIUX and PTDIX 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.
PTDIX has higher volatility (4.05%) compared to LTIUX (3.51%). In terms of maximum drawdown, LTIUX dropped -49.65% vs PTDIX's -54.38%.
LTIUX currently has the higher Sharpe Ratio (1.80 vs 1.78), 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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