LTIUX vs. SSCJX
LTIUX (Principal LifeTime 2035 Fund) and SSCJX (State Street Target Retirement 2035 Fund) are both Target Retirement Date funds. Over the past 10 years, LTIUX returned 9.75%/yr vs 9.85%/yr for SSCJX. With a 0.96 correlation, they move nearly in lockstep. LTIUX charges 0.01%/yr vs 0.19%/yr for SSCJX.
Performance
LTIUX vs. SSCJX - Performance Comparison
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Returns By Period
In the year-to-date period, LTIUX achieves a 4.82% return, which is significantly lower than SSCJX's 7.48% return. Both investments have delivered pretty close results over the past 10 years, with LTIUX having a 9.75% annualized return and SSCJX not far ahead at 9.85%.
LTIUX
- 1D
- -1.14%
- 1M
- -0.07%
- YTD
- 4.82%
- 6M
- 4.28%
- 1Y
- 13.00%
- 3Y*
- 13.96%
- 5Y*
- 6.41%
- 10Y*
- 9.75%
SSCJX
- 1D
- -1.22%
- 1M
- 0.19%
- YTD
- 7.48%
- 6M
- 6.75%
- 1Y
- 18.09%
- 3Y*
- 14.59%
- 5Y*
- 6.63%
- 10Y*
- 9.85%
LTIUX vs. SSCJX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTIUX Principal LifeTime 2035 Fund | 4.82% | 14.26% | 14.13% | 16.51% | -17.48% | 14.07% | 15.70% | 23.48% | -7.37% | 19.69% |
SSCJX State Street Target Retirement 2035 Fund | 7.48% | 17.89% | 10.46% | 16.73% | -18.06% | 11.38% | 18.07% | 23.59% | -6.86% | 17.41% |
Correlation
The correlation between LTIUX and SSCJX is 0.95, 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 | 0.95 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.95 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.96 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.96 |
The correlation between LTIUX and SSCJX has been stable across timeframes, ranging from 0.95 to 0.96 - a consistent structural relationship.
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Return for Risk
LTIUX vs. SSCJX — Risk / Return Rank
LTIUX
SSCJX
LTIUX vs. SSCJX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2035 Fund (LTIUX) and State Street Target Retirement 2035 Fund (SSCJX). 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 | SSCJX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.49 | ||
| Sortino ratioReturn per unit of downside risk | -0.65 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.39 | -0.11 |
| Calmar ratioReturn relative to maximum drawdown | 2.15 | 2.64 | -0.49 |
| Martin ratioReturn relative to average drawdown | 9.40 | 11.21 | -1.82 |
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Drawdowns
LTIUX vs. SSCJX - Drawdown Comparison
The maximum LTIUX drawdown since its inception was -49.65%, which is greater than SSCJX's maximum drawdown of -25.66%. Use the drawdown chart below to compare losses from any high point for LTIUX and SSCJX.
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Drawdown Indicators
| LTIUX | SSCJX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.65% | -25.66% | -23.99% |
Max Drawdown (1Y)Largest decline over 1 year | -6.57% | -7.34% | +0.77% |
Max Drawdown (3Y)Largest decline over 3 years | -11.08% | -11.55% | +0.47% |
Max Drawdown (5Y)Largest decline over 5 years | -24.23% | -25.20% | +0.97% |
Max Drawdown (10Y)Largest decline over 10 years | -28.12% | -25.66% | -2.46% |
Current DrawdownCurrent decline from peak | -1.76% | -1.58% | -0.18% |
Average DrawdownAverage peak-to-trough decline | -6.69% | -4.50% | -2.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.50% | 1.73% | -0.23% |
Volatility
LTIUX vs. SSCJX - Volatility Comparison
The current volatility for Principal LifeTime 2035 Fund (LTIUX) is 3.63%, while State Street Target Retirement 2035 Fund (SSCJX) has a volatility of 4.04%. This indicates that LTIUX experiences smaller price fluctuations and is considered to be less risky than SSCJX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTIUX | SSCJX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.63% | 4.04% | -0.41% |
Volatility (6M)Calculated over the trailing 6-month period | 7.62% | 7.96% | -0.34% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.18% | 9.51% | -0.33% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.91% | 11.95% | -0.04% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.46% | 12.47% | -0.01% |
LTIUX vs. SSCJX - Expense Ratio Comparison
LTIUX has a 0.01% expense ratio, which is lower than SSCJX's 0.19% 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
LTIUX vs. SSCJX - Dividend Comparison
LTIUX's dividend yield for the trailing twelve months is around 8.61%, more than SSCJX's 6.44% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTIUX Principal LifeTime 2035 Fund | 8.61% | 9.03% | 9.46% | 4.17% | 7.50% | 7.06% | 5.35% | 7.28% | 7.75% | 5.46% | 4.28% | 5.59% |
SSCJX State Street Target Retirement 2035 Fund | 6.44% | 6.92% | 5.44% | 4.03% | 5.32% | 5.43% | 4.54% | 6.46% | 4.99% | 0.55% | 1.74% | 2.03% |
Frequently Asked Questions
With a correlation of 0.95, LTIUX and SSCJX 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.
SSCJX has higher volatility (4.04%) compared to LTIUX (3.63%). In terms of maximum drawdown, LTIUX dropped -49.65% vs SSCJX's -25.66%.
SSCJX currently has the higher Sharpe Ratio (2.04 vs 1.55), 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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