LTSTX vs. URTRX
Compare and contrast key facts about Principal LifeTime 2025 Fund (LTSTX) and USAA Target Retirement 2030 Fund (URTRX).
LTSTX is managed by Principal. It was launched on Feb 28, 2008. URTRX is managed by Victory. It was launched on Jul 30, 2008.
Performance
LTSTX vs. URTRX - Performance Comparison
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LTSTX vs. URTRX - 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% |
URTRX USAA Target Retirement 2030 Fund | -1.13% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
Returns By Period
In the year-to-date period, LTSTX achieves a -2.64% return, which is significantly lower than URTRX's -1.13% return. Both investments have delivered pretty close results over the past 10 years, with LTSTX having a 7.44% annualized return and URTRX not far behind at 7.32%.
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%
URTRX
- 1D
- 0.00%
- 1M
- -5.15%
- YTD
- -1.13%
- 6M
- 1.08%
- 1Y
- 12.30%
- 3Y*
- 10.27%
- 5Y*
- 5.60%
- 10Y*
- 7.32%
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LTSTX vs. URTRX - Expense Ratio Comparison
LTSTX has a 0.01% expense ratio, which is lower than URTRX's 0.03% 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%.
Return for Risk
LTSTX vs. URTRX — Risk / Return Rank
LTSTX
URTRX
LTSTX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2025 Fund (LTSTX) and USAA Target Retirement 2030 Fund (URTRX). 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 | URTRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.02 | 1.41 | -0.39 |
Sortino ratioReturn per unit of downside risk | 1.47 | 1.99 | -0.52 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.30 | -0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.21 | 1.75 | -0.54 |
Martin ratioReturn relative to average drawdown | 5.61 | 8.22 | -2.61 |
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 | URTRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.02 | 1.41 | -0.39 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.58 | -0.05 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.76 | 0.71 | +0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.45 | 0.57 | -0.12 |
Correlation
The correlation between LTSTX and URTRX is 0.96, 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. URTRX - Dividend Comparison
LTSTX's dividend yield for the trailing twelve months is around 12.52%, more than URTRX's 6.86% yield.
| 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% |
URTRX USAA Target Retirement 2030 Fund | 6.86% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Drawdowns
LTSTX vs. URTRX - Drawdown Comparison
The maximum LTSTX drawdown since its inception was -48.17%, which is greater than URTRX's maximum drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for LTSTX and URTRX.
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Drawdown Indicators
| LTSTX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.17% | -34.10% | -14.07% |
Max Drawdown (1Y)Largest decline over 1 year | -6.47% | -6.63% | +0.16% |
Max Drawdown (5Y)Largest decline over 5 years | -21.01% | -19.52% | -1.49% |
Max Drawdown (10Y)Largest decline over 10 years | -23.33% | -23.56% | +0.23% |
Current DrawdownCurrent decline from peak | -5.15% | -5.29% | +0.14% |
Average DrawdownAverage peak-to-trough decline | -6.21% | -4.19% | -2.02% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.40% | 1.41% | -0.01% |
Volatility
LTSTX vs. URTRX - Volatility Comparison
Principal LifeTime 2025 Fund (LTSTX) and USAA Target Retirement 2030 Fund (URTRX) have volatilities of 2.99% and 3.09%, 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 | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.99% | 3.09% | -0.10% |
Volatility (6M)Calculated over the trailing 6-month period | 4.90% | 5.24% | -0.34% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.43% | 8.78% | -0.35% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.16% | 9.65% | -0.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.81% | 10.32% | -0.51% |