LTSTX vs. FRIMX
LTSTX (Principal LifeTime 2025 Fund) and FRIMX (Fidelity Advisor Managed Retirement Income Fund Class I) are both Target Retirement Date funds. Over the past 10 years, LTSTX returned 8.09%/yr vs 4.19%/yr for FRIMX. Their correlation of 0.90 suggests significant overlap in exposure. LTSTX charges 0.01%/yr vs 0.45%/yr for FRIMX.
Performance
LTSTX vs. FRIMX - Performance Comparison
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Returns By Period
In the year-to-date period, LTSTX achieves a 4.92% return, which is significantly higher than FRIMX's 3.59% return. Over the past 10 years, LTSTX has outperformed FRIMX with an annualized return of 8.09%, while FRIMX has yielded a comparatively lower 4.19% annualized return.
LTSTX
- 1D
- 0.70%
- 1M
- 1.14%
- YTD
- 4.92%
- 6M
- 4.88%
- 1Y
- 13.15%
- 3Y*
- 11.63%
- 5Y*
- 5.71%
- 10Y*
- 8.09%
FRIMX
- 1D
- 0.00%
- 1M
- 0.65%
- YTD
- 3.59%
- 6M
- 3.72%
- 1Y
- 9.38%
- 3Y*
- 7.18%
- 5Y*
- 2.79%
- 10Y*
- 4.19%
LTSTX vs. FRIMX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTSTX Principal LifeTime 2025 Fund | 4.92% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
FRIMX Fidelity Advisor Managed Retirement Income Fund Class I | 3.59% | 9.94% | 4.30% | 8.06% | -11.66% | 2.78% | 8.57% | 10.57% | -1.82% | 7.08% |
Correlation
The correlation between LTSTX and FRIMX is 0.89, 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 | 0.89 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.86 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.83 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.81 |
Correlation (All Time) Calculated using the full available price history since Feb 29, 2008 | 0.90 |
The correlation between LTSTX and FRIMX has been stable across timeframes, ranging from 0.81 to 0.90 - a consistent structural relationship.
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Return for Risk
LTSTX vs. FRIMX — Risk / Return Rank
LTSTX
FRIMX
LTSTX vs. FRIMX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2025 Fund (LTSTX) and Fidelity Advisor Managed Retirement Income Fund Class I (FRIMX). 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.
| LTSTX | FRIMX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.30 | ||
| Sortino ratioReturn per unit of downside risk | -0.47 | ||
| Omega ratioGain probability vs. loss probability | 1.36 | 1.44 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 2.50 | 2.74 | -0.23 |
| Martin ratioReturn relative to average drawdown | 11.09 | 11.47 | -0.38 |
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Drawdowns
LTSTX vs. FRIMX - Drawdown Comparison
The maximum LTSTX drawdown since its inception was -48.17%, which is greater than FRIMX's maximum drawdown of -33.73%. Use the drawdown chart below to compare losses from any high point for LTSTX and FRIMX.
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Drawdown Indicators
| LTSTX | FRIMX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.17% | -33.73% | -14.44% |
Max Drawdown (1Y)Largest decline over 1 year | -5.24% | -3.44% | -1.80% |
Max Drawdown (3Y)Largest decline over 3 years | -8.12% | -4.97% | -3.15% |
Max Drawdown (5Y)Largest decline over 5 years | -21.01% | -16.12% | -4.89% |
Max Drawdown (10Y)Largest decline over 10 years | -23.33% | -16.12% | -7.21% |
Current DrawdownCurrent decline from peak | -0.26% | -0.44% | +0.18% |
Average DrawdownAverage peak-to-trough decline | -6.14% | -3.70% | -2.44% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.18% | 0.82% | +0.36% |
Volatility
LTSTX vs. FRIMX - Volatility Comparison
Principal LifeTime 2025 Fund (LTSTX) has a higher volatility of 2.81% compared to Fidelity Advisor Managed Retirement Income Fund Class I (FRIMX) at 1.77%. This indicates that LTSTX's price experiences larger fluctuations and is considered to be riskier than FRIMX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTSTX | FRIMX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.81% | 1.77% | +1.04% |
Volatility (6M)Calculated over the trailing 6-month period | 5.88% | 3.68% | +2.20% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.03% | 4.35% | +2.68% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.23% | 5.32% | +3.91% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.84% | 4.54% | +5.30% |
LTSTX vs. FRIMX - Expense Ratio Comparison
LTSTX has a 0.01% expense ratio, which is lower than FRIMX's 0.45% expense ratio.
Dividends
LTSTX vs. FRIMX - Dividend Comparison
LTSTX's dividend yield for the trailing twelve months is around 11.62%, more than FRIMX's 3.24% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FRIMX Fidelity Advisor Managed Retirement Income Fund Class I | 3.24% | 3.11% | 3.01% | 2.82% | 4.52% | 3.54% | 2.41% | 2.56% | 4.67% | 8.56% | 1.67% | 1.68% |
LTSTX Principal LifeTime 2025 Fund | 11.62% | 12.19% | 9.74% | 4.26% | 8.00% | 7.66% | 5.25% | 6.91% | 6.39% | 4.75% | 3.65% | 8.91% |
Frequently Asked Questions
LTSTX and FRIMX have a correlation of 0.89, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LTSTX has higher volatility (2.81%) compared to FRIMX (1.77%). In terms of maximum drawdown, LTSTX dropped -48.17% vs FRIMX's -33.73%.
FRIMX currently has the higher Sharpe Ratio (2.16 vs 1.86), 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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