LTRIX vs. LTIUX
LTRIX (Principal LifeTime 2045 Fund) and LTIUX (Principal LifeTime 2035 Fund) are both Target Retirement Date funds from Principal. Over the past 10 years, LTRIX returned 11.15%/yr vs 9.75%/yr for LTIUX. With a 0.99 correlation, they move nearly in lockstep. Both charge a 0.01% expense ratio.
Performance
LTRIX vs. LTIUX - Performance Comparison
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Returns By Period
In the year-to-date period, LTRIX achieves a 6.10% return, which is significantly higher than LTIUX's 4.82% return. Over the past 10 years, LTRIX has outperformed LTIUX with an annualized return of 11.15%, while LTIUX has yielded a comparatively lower 9.75% annualized return.
LTRIX
- 1D
- -1.58%
- 1M
- -0.25%
- YTD
- 6.10%
- 6M
- 5.34%
- 1Y
- 15.86%
- 3Y*
- 16.55%
- 5Y*
- 8.00%
- 10Y*
- 11.15%
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%
LTRIX vs. LTIUX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTRIX Principal LifeTime 2045 Fund | 6.10% | 16.69% | 16.90% | 19.40% | -18.51% | 16.55% | 16.33% | 25.81% | -8.34% | 21.38% |
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% |
Correlation
The correlation between LTRIX and LTIUX 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 | 0.99 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.99 |
Correlation (All Time) Calculated using the full available price history since Mar 3, 2008 | 0.99 |
The correlation between LTRIX and LTIUX has been stable across timeframes, ranging from 0.99 to 0.99 - a consistent structural relationship.
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Return for Risk
LTRIX vs. LTIUX — Risk / Return Rank
LTRIX
LTIUX
LTRIX vs. LTIUX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2045 Fund (LTRIX) 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.
| LTRIX | LTIUX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.03 | ||
| Sortino ratioReturn per unit of downside risk | -0.07 | ||
| Omega ratioGain probability vs. loss probability | 1.28 | 1.29 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | 2.15 | 2.15 | 0.00 |
| Martin ratioReturn relative to average drawdown | 9.42 | 9.40 | +0.02 |
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Drawdowns
LTRIX vs. LTIUX - Drawdown Comparison
The maximum LTRIX drawdown since its inception was -51.39%, roughly equal to the maximum LTIUX drawdown of -49.65%. Use the drawdown chart below to compare losses from any high point for LTRIX and LTIUX.
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Drawdown Indicators
| LTRIX | LTIUX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.39% | -49.65% | -1.74% |
Max Drawdown (1Y)Largest decline over 1 year | -8.04% | -6.57% | -1.47% |
Max Drawdown (3Y)Largest decline over 3 years | -14.47% | -11.08% | -3.39% |
Max Drawdown (5Y)Largest decline over 5 years | -26.25% | -24.23% | -2.02% |
Max Drawdown (10Y)Largest decline over 10 years | -31.56% | -28.12% | -3.44% |
Current DrawdownCurrent decline from peak | -2.41% | -1.76% | -0.65% |
Average DrawdownAverage peak-to-trough decline | -7.18% | -6.69% | -0.49% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.83% | 1.50% | +0.33% |
Volatility
LTRIX vs. LTIUX - Volatility Comparison
Principal LifeTime 2045 Fund (LTRIX) has a higher volatility of 4.65% compared to Principal LifeTime 2035 Fund (LTIUX) at 3.63%. This indicates that LTRIX's price experiences larger fluctuations and is considered to be riskier than LTIUX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTRIX | LTIUX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.65% | 3.63% | +1.02% |
Volatility (6M)Calculated over the trailing 6-month period | 9.52% | 7.62% | +1.90% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.46% | 9.18% | +2.28% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.70% | 11.91% | +2.79% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.80% | 12.46% | +2.34% |
LTRIX vs. LTIUX - Expense Ratio Comparison
Both LTRIX and LTIUX 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
LTRIX vs. LTIUX - Dividend Comparison
LTRIX's dividend yield for the trailing twelve months is around 8.77%, more than LTIUX's 8.61% 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% |
LTRIX Principal LifeTime 2045 Fund | 8.77% | 9.31% | 9.40% | 4.25% | 8.71% | 6.75% | 4.62% | 6.93% | 7.50% | 4.57% | 4.48% | 5.42% |
Frequently Asked Questions
With a correlation of 0.99, LTRIX 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.
LTRIX has higher volatility (4.65%) compared to LTIUX (3.63%). In terms of maximum drawdown, LTRIX dropped -51.39% vs LTIUX's -49.65%.
LTIUX currently has the higher Sharpe Ratio (1.55 vs 1.51), 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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