LTSTX vs. TRRHX
Compare and contrast key facts about Principal LifeTime 2025 Fund (LTSTX) and T. Rowe Price Retirement 2025 Fund (TRRHX).
LTSTX is managed by Principal. It was launched on Feb 28, 2008. TRRHX is managed by T. Rowe Price. It was launched on Feb 27, 2004.
Performance
LTSTX vs. TRRHX - Performance Comparison
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LTSTX vs. TRRHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LTSTX Principal LifeTime 2025 Fund | -2.64% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
TRRHX T. Rowe Price Retirement 2025 Fund | -2.15% | 6.59% | 9.71% | 14.63% | -15.59% | 12.02% | 14.68% | 20.96% | -5.68% | 17.69% |
Returns By Period
In the year-to-date period, LTSTX achieves a -2.64% return, which is significantly lower than TRRHX's -2.15% return. Both investments have delivered pretty close results over the past 10 years, with LTSTX having a 7.44% annualized return and TRRHX not far behind at 7.15%.
LTSTX
- 1D
- 0.09%
- 1M
- -5.07%
- YTD
- -2.64%
- 6M
- -1.15%
- 1Y
- 8.41%
- 3Y*
- 9.82%
- 5Y*
- 4.89%
- 10Y*
- 7.44%
TRRHX
- 1D
- -0.06%
- 1M
- -5.84%
- YTD
- -2.15%
- 6M
- -5.99%
- 1Y
- 3.23%
- 3Y*
- 7.75%
- 5Y*
- 3.68%
- 10Y*
- 7.15%
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LTSTX vs. TRRHX - Expense Ratio Comparison
LTSTX has a 0.01% expense ratio, which is lower than TRRHX's 0.55% expense ratio.
Return for Risk
LTSTX vs. TRRHX — Risk / Return Rank
LTSTX
TRRHX
LTSTX vs. TRRHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2025 Fund (LTSTX) and T. Rowe Price Retirement 2025 Fund (TRRHX). 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.
| LTSTX | TRRHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.02 | 0.33 | +0.68 |
Sortino ratioReturn per unit of downside risk | 1.47 | 0.49 | +0.98 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.08 | +0.13 |
Calmar ratioReturn relative to maximum drawdown | 1.21 | 0.30 | +0.91 |
Martin ratioReturn relative to average drawdown | 5.61 | 0.92 | +4.69 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| LTSTX | TRRHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.02 | 0.33 | +0.68 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.37 | +0.16 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.76 | 0.67 | +0.10 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.45 | 0.49 | -0.03 |
Correlation
The correlation between LTSTX and TRRHX is 0.97, 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.
Dividends
LTSTX vs. TRRHX - Dividend Comparison
LTSTX's dividend yield for the trailing twelve months is around 12.52%, while TRRHX has not paid dividends to shareholders.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTSTX Principal LifeTime 2025 Fund | 12.52% | 12.19% | 9.74% | 4.26% | 8.00% | 7.66% | 5.25% | 6.91% | 6.39% | 4.75% | 3.65% | 8.91% |
TRRHX T. Rowe Price Retirement 2025 Fund | 0.00% | 0.00% | 4.13% | 6.58% | 12.69% | 10.87% | 5.21% | 4.95% | 7.52% | 3.70% | 2.00% | 3.11% |
Drawdowns
LTSTX vs. TRRHX - Drawdown Comparison
The maximum LTSTX drawdown since its inception was -48.17%, roughly equal to the maximum TRRHX drawdown of -50.04%. Use the drawdown chart below to compare losses from any high point for LTSTX and TRRHX.
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Drawdown Indicators
| LTSTX | TRRHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.17% | -50.04% | +1.87% |
Max Drawdown (1Y)Largest decline over 1 year | -6.47% | -7.80% | +1.33% |
Max Drawdown (5Y)Largest decline over 5 years | -21.01% | -22.00% | +0.99% |
Max Drawdown (10Y)Largest decline over 10 years | -23.33% | -26.42% | +3.09% |
Current DrawdownCurrent decline from peak | -5.15% | -7.80% | +2.65% |
Average DrawdownAverage peak-to-trough decline | -6.21% | -5.81% | -0.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.40% | 2.59% | -1.19% |
Volatility
LTSTX vs. TRRHX - Volatility Comparison
Principal LifeTime 2025 Fund (LTSTX) and T. Rowe Price Retirement 2025 Fund (TRRHX) have volatilities of 2.99% and 3.04%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LTSTX | TRRHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.99% | 3.04% | -0.05% |
Volatility (6M)Calculated over the trailing 6-month period | 4.90% | 7.34% | -2.44% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.43% | 10.45% | -2.02% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.16% | 9.93% | -0.77% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.81% | 10.81% | -1.00% |