NWOSX vs. LTSTX
NWOSX (Nationwide Destination 2050 Fund) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, NWOSX returned 9.78%/yr vs 7.73%/yr for LTSTX. Their 0.96 correlation means they have historically moved very closely together. NWOSX charges 0.38%/yr vs 0.01%/yr for LTSTX.
Performance
NWOSX vs. LTSTX - Performance Comparison
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Returns By Period
In the year-to-date period, NWOSX achieves a 10.47% return, which is significantly higher than LTSTX's 4.47% return. Over the past 10 years, NWOSX has outperformed LTSTX with an annualized return of 9.78%, while LTSTX has yielded a comparatively lower 7.73% annualized return.
NWOSX
- 1D
- 2.11%
- 1M
- 0.30%
- 6M
- 7.78%
- YTD
- 10.47%
- 1Y
- 21.47%
- 3Y*
- 15.60%
- 5Y*
- 8.48%
- 10Y*
- 9.78%
- ALL TIME*
- 7.05%
LTSTX
- 1D
- 0.79%
- 1M
- -0.17%
- 6M
- 2.78%
- YTD
- 4.47%
- 1Y
- 10.06%
- 3Y*
- 10.75%
- 5Y*
- 5.16%
- 10Y*
- 7.73%
- ALL TIME*
- 6.35%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
NWOSX vs. LTSTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
NWOSX Nationwide Destination 2050 Fund | 10.47% | 19.12% | 12.86% | 19.96% | -18.85% | 16.69% | 13.70% | 20.56% | -8.99% | 17.09% |
LTSTX Principal LifeTime 2025 Fund | 4.47% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
Correlation
The correlation between NWOSX and LTSTX is 0.96 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.96 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.95 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.95 |
Correlation (All Time) Calculated using the full available price history since Feb 29, 2008 | 0.96 |
The correlation between NWOSX and LTSTX has been stable across timeframes, ranging from 0.95 to 0.96 - a consistent structural relationship.
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Return for Risk
NWOSX vs. LTSTX — Risk / Return Rank
NWOSX
LTSTX
NWOSX vs. LTSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Nationwide Destination 2050 Fund (NWOSX) and Principal LifeTime 2025 Fund (LTSTX). 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.
| NWOSX | LTSTX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.25 | ||
| Sortino ratioReturn per unit of downside risk | +0.35 | ||
| Omega ratioGain probability vs. loss probability | 1.28 | 1.24 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.25 | 1.80 | +0.45 |
| Martin ratioReturn relative to average drawdown | 9.68 | 7.79 | +1.89 |
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Drawdowns
NWOSX vs. LTSTX - Drawdown Comparison
The maximum NWOSX drawdown since its inception was -55.99%, which is greater than LTSTX's maximum drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for NWOSX and LTSTX.
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Drawdown Indicators
| NWOSX | LTSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.99% | -48.17% | -7.82% |
Max Drawdown (1Y)Largest decline over 1 year | -8.71% | -5.24% | -3.47% |
Max Drawdown (3Y)Largest decline over 3 years | -14.64% | -8.12% | -6.52% |
Max Drawdown (5Y)Largest decline over 5 years | -30.98% | -21.01% | -9.97% |
Max Drawdown (10Y)Largest decline over 10 years | -34.78% | -23.33% | -11.45% |
Current DrawdownCurrent decline from peak | -0.88% | -0.78% | -0.10% |
Average DrawdownAverage peak-to-trough decline | -9.58% | -6.11% | -3.47% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.02% | 1.21% | +0.81% |
Volatility
NWOSX vs. LTSTX - Volatility Comparison
Nationwide Destination 2050 Fund (NWOSX) has a higher volatility of 3.72% compared to Principal LifeTime 2025 Fund (LTSTX) at 1.95%. This indicates that NWOSX's price experiences larger fluctuations and is considered to be riskier than LTSTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NWOSX | LTSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.72% | 1.95% | +1.77% |
Volatility (6M)Calculated over the trailing 6-month period | 10.51% | 5.99% | +4.52% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.56% | 7.19% | +5.37% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.63% | 9.23% | +6.40% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.24% | 9.76% | +6.48% |
NWOSX vs. LTSTX - Expense Ratio Comparison
NWOSX has a 0.38% expense ratio, which is higher than LTSTX's 0.01% expense ratio.
Dividends
NWOSX vs. LTSTX - Dividend Comparison
NWOSX's dividend yield for the trailing twelve months is around 8.32%, less than LTSTX's 11.67% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTSTX Principal LifeTime 2025 Fund | 11.67% | 12.19% | 9.74% | 4.26% | 8.00% | 7.66% | 5.25% | 6.91% | 6.39% | 4.75% | 3.65% | 8.91% |
NWOSX Nationwide Destination 2050 Fund | 8.32% | 9.15% | 14.74% | 5.41% | 2.70% | 8.89% | 6.64% | 7.16% | 10.70% | 4.85% | 7.38% | 5.15% |
Frequently Asked Questions
With a correlation of 0.96, NWOSX and LTSTX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
NWOSX has higher volatility (3.72%) compared to LTSTX (1.95%). In terms of maximum drawdown, NWOSX dropped -55.99% vs LTSTX's -48.17%.
NWOSX currently has the higher Sharpe Ratio (1.56 vs 1.32), 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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