LTTIX vs. PTDIX

Last updated Jul 17, 2026

LTTIX (MFS Lifetime 2025 Fund) and PTDIX (Principal LifeTime 2040 Fund) are both Target Retirement Date funds. Their correlation of 0.92 suggests significant overlap in exposure. LTTIX charges 0.00%/yr vs 0.01%/yr for PTDIX.

Performance

LTTIX vs. PTDIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in MFS Lifetime 2025 Fund (LTTIX) and Principal LifeTime 2040 Fund (PTDIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

LTTIX

• 1D: —
• 1M: —
• 6M: —
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

PTDIX

• 1D: 0.34%
• 1M: 0.06%
• 6M: 4.93%
• YTD: 7.26%
• 1Y: 15.19%
• 3Y*: 15.26%
• 5Y*: 8.05%
• 10Y*: 10.34%

*Multi-year figures are annualized to reflect compound growth (CAGR)

LTTIX vs. PTDIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
LTTIX MFS Lifetime 2025 Fund	2.74%	9.29%	6.73%	10.36%	-12.36%	8.61%	10.61%	17.82%	-3.97%	13.16%
PTDIX Principal LifeTime 2040 Fund	7.26%	15.59%	17.43%	18.33%	-18.13%	15.35%	16.04%	24.91%	-7.95%	20.69%

Correlation

The correlation between LTTIX and PTDIX is 0.80, 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	0.80
Correlation (3Y) Calculated over the trailing 3-year period	0.84
Correlation (5Y) Calculated over the trailing 5-year period	0.88
Correlation (10Y) Calculated over the trailing 10-year period	0.91
Correlation (All Time) Calculated using the full available price history since Jan 2, 2013	0.92

The correlation between LTTIX and PTDIX shifts across timeframes, from 0.80 (1 year) to 0.92 (all time), reflecting how their relationship changes across market environments.

Return for Risk

LTTIX vs. PTDIX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

LTTIX

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

PTDIX

PTDIX Risk / Return Rank: 43
PTDIX Sharpe Ratio Rank: 40
PTDIX Sortino Ratio Rank: 38
PTDIX Omega Ratio Rank: 39
PTDIX Calmar Ratio Rank: 42
PTDIX Martin Ratio Rank: 54

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

LTTIX vs. PTDIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for MFS Lifetime 2025 Fund (LTTIX) and Principal LifeTime 2040 Fund (PTDIX). 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.

	LTTIX	PTDIX	Difference
Sharpe ratio: Return per unit of total volatility	—	1.42	—
Sortino ratio: Return per unit of downside risk	—	2.01	—
Omega ratio: Gain probability vs. loss probability	—	1.26	—
Calmar ratio: Return relative to maximum drawdown	—	2.03	—
Martin ratio: Return relative to average drawdown	—	8.72	—

Drawdowns

Drawdown Indicators

	LTTIX	PTDIX	Difference
Max Drawdown Largest peak-to-trough decline	—	-54.38%	—
Max Drawdown (1Y) Largest decline over 1 year	—	-7.32%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-13.05%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-25.43%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-30.02%	—
Current Drawdown Current decline from peak	—	-0.50%	—
Average Drawdown Average peak-to-trough decline	—	-7.46%	—
Ulcer Index Depth and duration of drawdowns from previous peaks	—	1.70%	—

Volatility

Volatility by Period

	LTTIX	PTDIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	3.04%	—
Volatility (6M) Calculated over the trailing 6-month period	—	8.72%	—
Volatility (1Y) Calculated over the trailing 1-year period	—	10.47%	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	—	13.59%	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	—	13.76%	—

LTTIX vs. PTDIX - Expense Ratio Comparison

LTTIX has a 0.00% expense ratio, which is lower than PTDIX's 0.01% 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%.

Dividends

LTTIX vs. PTDIX - Dividend Comparison

LTTIX's dividend yield for the trailing twelve months is around 11.54%, more than PTDIX's 9.14% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
LTTIX MFS Lifetime 2025 Fund	11.54%	8.13%	7.07%	3.30%	5.88%	7.35%	2.83%	3.68%	4.32%	3.51%	4.03%	1.82%
PTDIX Principal LifeTime 2040 Fund	9.14%	9.80%	12.28%	4.40%	8.61%	8.92%	6.01%	7.26%	9.28%	6.07%	4.86%	6.73%

Frequently Asked Questions

Can I hold both LTTIX and PTDIX in my portfolio?

LTTIX and PTDIX have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.