LTSTX vs. POSIX
LTSTX (Principal LifeTime 2025 Fund) and POSIX (Principal Global Real Estate Securities Fund) are both mutual funds - LTSTX is a Target Retirement Date fund managed by Principal, while POSIX is a REIT fund managed by Principal. Over the past 10 years, LTSTX returned 8.09%/yr vs 4.10%/yr for POSIX. A 0.79 correlation means they provide meaningful diversification when combined. LTSTX charges 0.01%/yr vs 0.94%/yr for POSIX.
Performance
LTSTX vs. POSIX - Performance Comparison
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Returns By Period
In the year-to-date period, LTSTX achieves a 4.92% return, which is significantly lower than POSIX's 7.43% return. Over the past 10 years, LTSTX has outperformed POSIX with an annualized return of 8.09%, while POSIX has yielded a comparatively lower 4.10% 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%
POSIX
- 1D
- 0.10%
- 1M
- -1.63%
- YTD
- 7.43%
- 6M
- 7.87%
- 1Y
- 9.33%
- 3Y*
- 7.74%
- 5Y*
- 0.53%
- 10Y*
- 4.10%
LTSTX vs. POSIX - 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% |
POSIX Principal Global Real Estate Securities Fund | 7.43% | 7.57% | 0.67% | 10.87% | -26.74% | 23.45% | -3.91% | 24.53% | -3.35% | 14.73% |
Correlation
The correlation between LTSTX and POSIX is 0.57, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.57 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.68 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.74 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.72 |
Correlation (All Time) Calculated using the full available price history since Feb 29, 2008 | 0.79 |
Over the past year, the correlation between LTSTX and POSIX has dropped to 0.57 - well below their long-term average of 0.79, suggesting their price drivers have been diverging.
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Return for Risk
LTSTX vs. POSIX — Risk / Return Rank
LTSTX
POSIX
LTSTX vs. POSIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2025 Fund (LTSTX) and Principal Global Real Estate Securities Fund (POSIX). 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 | POSIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.12 | ||
| Sortino ratioReturn per unit of downside risk | +1.58 | ||
| Omega ratioGain probability vs. loss probability | 1.36 | 1.14 | +0.22 |
| Calmar ratioReturn relative to maximum drawdown | 2.50 | 0.91 | +1.60 |
| Martin ratioReturn relative to average drawdown | 11.09 | 3.24 | +7.85 |
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Drawdowns
LTSTX vs. POSIX - Drawdown Comparison
The maximum LTSTX drawdown since its inception was -48.17%, smaller than the maximum POSIX drawdown of -68.45%. Use the drawdown chart below to compare losses from any high point for LTSTX and POSIX.
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Drawdown Indicators
| LTSTX | POSIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.17% | -68.45% | +20.28% |
Max Drawdown (1Y)Largest decline over 1 year | -5.24% | -9.97% | +4.73% |
Max Drawdown (3Y)Largest decline over 3 years | -8.12% | -18.02% | +9.90% |
Max Drawdown (5Y)Largest decline over 5 years | -21.01% | -34.15% | +13.14% |
Max Drawdown (10Y)Largest decline over 10 years | -23.33% | -41.70% | +18.37% |
Current DrawdownCurrent decline from peak | -0.26% | -5.49% | +5.23% |
Average DrawdownAverage peak-to-trough decline | -6.14% | -13.91% | +7.77% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.18% | 2.78% | -1.60% |
Volatility
LTSTX vs. POSIX - Volatility Comparison
The current volatility for Principal LifeTime 2025 Fund (LTSTX) is 2.81%, while Principal Global Real Estate Securities Fund (POSIX) has a volatility of 3.99%. This indicates that LTSTX experiences smaller price fluctuations and is considered to be less risky than POSIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTSTX | POSIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.81% | 3.99% | -1.18% |
Volatility (6M)Calculated over the trailing 6-month period | 5.88% | 9.34% | -3.46% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.03% | 12.11% | -5.08% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.23% | 16.32% | -7.09% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.84% | 17.01% | -7.17% |
LTSTX vs. POSIX - Expense Ratio Comparison
LTSTX has a 0.01% expense ratio, which is lower than POSIX's 0.94% expense ratio.
Dividends
LTSTX vs. POSIX - Dividend Comparison
LTSTX's dividend yield for the trailing twelve months is around 11.62%, more than POSIX's 2.45% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
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% |
POSIX Principal Global Real Estate Securities Fund | 2.45% | 2.64% | 2.57% | 2.63% | 1.12% | 2.40% | 1.13% | 6.32% | 3.81% | 4.16% | 3.70% | 4.48% |
Frequently Asked Questions
LTSTX and POSIX have a correlation of 0.57, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
POSIX has higher volatility (3.99%) compared to LTSTX (2.81%). In terms of maximum drawdown, LTSTX dropped -48.17% vs POSIX's -68.45%.
LTSTX currently has the higher Sharpe Ratio (1.86 vs 0.75), 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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