MURLX vs. PMTIX
Compare and contrast key facts about Mutual of America 2040 Retirement Fund (MURLX) and Principal LifeTime 2030 Fund (PMTIX).
MURLX is managed by Mutual of America. It was launched on Nov 29, 2021. PMTIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
MURLX vs. PMTIX - Performance Comparison
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MURLX vs. PMTIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
MURLX Mutual of America 2040 Retirement Fund | -3.53% | 17.01% | 13.28% | 14.86% | -15.95% | 16.84% | 889.04% |
PMTIX Principal LifeTime 2030 Fund | -3.15% | 13.25% | 12.86% | 15.11% | -16.81% | 12.70% | 14.00% |
Returns By Period
In the year-to-date period, MURLX achieves a -3.53% return, which is significantly lower than PMTIX's -3.15% return.
MURLX
- 1D
- -1.27%
- 1M
- -7.47%
- YTD
- -3.53%
- 6M
- -1.08%
- 1Y
- 13.68%
- 3Y*
- 11.72%
- 5Y*
- 6.20%
- 10Y*
- —
PMTIX
- 1D
- 0.00%
- 1M
- -5.66%
- YTD
- -3.15%
- 6M
- -1.49%
- 1Y
- 9.21%
- 3Y*
- 10.71%
- 5Y*
- 5.31%
- 10Y*
- 8.05%
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MURLX vs. PMTIX - Expense Ratio Comparison
MURLX has a 0.08% expense ratio, which is higher than PMTIX's 0.01% expense ratio. However, 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
MURLX vs. PMTIX — Risk / Return Rank
MURLX
PMTIX
MURLX vs. PMTIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Mutual of America 2040 Retirement Fund (MURLX) and Principal LifeTime 2030 Fund (PMTIX). 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.
| MURLX | PMTIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.08 | 0.95 | +0.12 |
Sortino ratioReturn per unit of downside risk | 1.62 | 1.41 | +0.22 |
Omega ratioGain probability vs. loss probability | 1.23 | 1.20 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 0.85 | 1.12 | -0.27 |
Martin ratioReturn relative to average drawdown | 4.02 | 5.30 | -1.28 |
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
| MURLX | PMTIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.08 | 0.95 | +0.12 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.44 | 0.51 | -0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.72 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.16 | 0.47 | -0.31 |
Correlation
The correlation between MURLX and PMTIX is 0.81, 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
MURLX vs. PMTIX - Dividend Comparison
MURLX's dividend yield for the trailing twelve months is around 8.93%, less than PMTIX's 10.01% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
MURLX Mutual of America 2040 Retirement Fund | 8.93% | 8.62% | 8.02% | 3.04% | 11.39% | 4.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
PMTIX Principal LifeTime 2030 Fund | 10.01% | 9.69% | 9.60% | 4.26% | 10.05% | 8.87% | 6.37% | 6.49% | 8.21% | 5.87% | 3.97% | 9.44% |
Drawdowns
MURLX vs. PMTIX - Drawdown Comparison
The maximum MURLX drawdown since its inception was -31.54%, smaller than the maximum PMTIX drawdown of -52.14%. Use the drawdown chart below to compare losses from any high point for MURLX and PMTIX.
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Drawdown Indicators
| MURLX | PMTIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.54% | -52.14% | +20.60% |
Max Drawdown (1Y)Largest decline over 1 year | -9.75% | -7.49% | -2.26% |
Max Drawdown (5Y)Largest decline over 5 years | -23.06% | -23.05% | -0.01% |
Max Drawdown (10Y)Largest decline over 10 years | — | -25.87% | — |
Current DrawdownCurrent decline from peak | -7.75% | -5.85% | -1.90% |
Average DrawdownAverage peak-to-trough decline | -5.54% | -6.83% | +1.29% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.53% | 1.59% | +0.94% |
Volatility
MURLX vs. PMTIX - Volatility Comparison
Mutual of America 2040 Retirement Fund (MURLX) and Principal LifeTime 2030 Fund (PMTIX) have volatilities of 3.24% and 3.33%, 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
| MURLX | PMTIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.24% | 3.33% | -0.09% |
Volatility (6M)Calculated over the trailing 6-month period | 7.66% | 5.61% | +2.05% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.33% | 9.78% | +4.55% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.02% | 10.53% | +5.49% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 387.95% | 11.19% | +376.76% |