LTRIX vs. VTIVX
Compare and contrast key facts about Principal LifeTime 2045 Fund (LTRIX) and Vanguard Target Retirement 2045 Fund (VTIVX).
LTRIX is managed by Principal. It was launched on Feb 28, 2008. VTIVX is managed by Vanguard. It was launched on Oct 27, 2003.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: LTRIX or VTIVX.
Correlation
The correlation between LTRIX and VTIVX is 0.98, 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.
Performance
LTRIX vs. VTIVX - Performance Comparison
Key characteristics
LTRIX:
0.98
VTIVX:
1.63
LTRIX:
1.33
VTIVX:
2.25
LTRIX:
1.18
VTIVX:
1.30
LTRIX:
0.77
VTIVX:
2.52
LTRIX:
3.89
VTIVX:
9.22
LTRIX:
2.80%
VTIVX:
1.77%
LTRIX:
11.14%
VTIVX:
10.07%
LTRIX:
-51.39%
VTIVX:
-51.69%
LTRIX:
-4.22%
VTIVX:
-0.23%
Returns By Period
The year-to-date returns for both stocks are quite close, with LTRIX having a 4.62% return and VTIVX slightly lower at 4.42%. Over the past 10 years, LTRIX has underperformed VTIVX with an annualized return of 4.13%, while VTIVX has yielded a comparatively higher 8.51% annualized return.
LTRIX
4.62%
1.36%
2.18%
10.97%
4.54%
4.13%
VTIVX
4.42%
1.91%
6.43%
16.60%
9.35%
8.51%
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LTRIX vs. VTIVX - Expense Ratio Comparison
LTRIX has a 0.01% expense ratio, which is lower than VTIVX's 0.08% 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%.
Risk-Adjusted Performance
LTRIX vs. VTIVX — Risk-Adjusted Performance Rank
LTRIX
VTIVX
LTRIX vs. VTIVX - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2045 Fund (LTRIX) and Vanguard Target Retirement 2045 Fund (VTIVX). 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.
Dividends
LTRIX vs. VTIVX - Dividend Comparison
LTRIX's dividend yield for the trailing twelve months is around 1.69%, less than VTIVX's 2.21% yield.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTRIX Principal LifeTime 2045 Fund | 1.69% | 1.77% | 1.80% | 1.37% | 2.99% | 1.64% | 1.93% | 2.33% | 2.20% | 1.51% | 1.43% | 2.84% |
VTIVX Vanguard Target Retirement 2045 Fund | 2.21% | 2.31% | 2.28% | 2.13% | 2.22% | 1.60% | 2.23% | 2.39% | 1.90% | 1.99% | 2.17% | 2.05% |
Drawdowns
LTRIX vs. VTIVX - Drawdown Comparison
The maximum LTRIX drawdown since its inception was -51.39%, roughly equal to the maximum VTIVX drawdown of -51.69%. Use the drawdown chart below to compare losses from any high point for LTRIX and VTIVX. For additional features, visit the drawdowns tool.
Volatility
LTRIX vs. VTIVX - Volatility Comparison
The current volatility for Principal LifeTime 2045 Fund (LTRIX) is 2.11%, while Vanguard Target Retirement 2045 Fund (VTIVX) has a volatility of 2.36%. This indicates that LTRIX experiences smaller price fluctuations and is considered to be less risky than VTIVX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.