PAOFX vs. LTFIX
Compare and contrast key facts about T. Rowe Price Target 2050 Fund (PAOFX) and Principal LifeTime 2055 Fund (LTFIX).
PAOFX is managed by T. Rowe Price. It was launched on Aug 19, 2013. LTFIX is managed by Principal. It was launched on Feb 28, 2008.
Performance
PAOFX vs. LTFIX - Performance Comparison
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PAOFX vs. LTFIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PAOFX T. Rowe Price Target 2050 Fund | -3.53% | 17.86% | 13.37% | 19.70% | -19.27% | 16.11% | 17.65% | 23.85% | -7.37% | 19.79% |
LTFIX Principal LifeTime 2055 Fund | -5.21% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
Returns By Period
In the year-to-date period, PAOFX achieves a -3.53% return, which is significantly higher than LTFIX's -5.21% return. Over the past 10 years, PAOFX has underperformed LTFIX with an annualized return of 9.47%, while LTFIX has yielded a comparatively higher 10.20% annualized return.
PAOFX
- 1D
- -0.31%
- 1M
- -8.96%
- YTD
- -3.53%
- 6M
- -0.95%
- 1Y
- 13.51%
- 3Y*
- 13.30%
- 5Y*
- 6.54%
- 10Y*
- 9.47%
LTFIX
- 1D
- -0.30%
- 1M
- -8.30%
- YTD
- -5.21%
- 6M
- -2.99%
- 1Y
- 12.51%
- 3Y*
- 14.10%
- 5Y*
- 7.41%
- 10Y*
- 10.20%
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PAOFX vs. LTFIX - Expense Ratio Comparison
PAOFX has a 0.88% expense ratio, which is higher than LTFIX's 0.01% expense ratio.
Return for Risk
PAOFX vs. LTFIX — Risk / Return Rank
PAOFX
LTFIX
PAOFX vs. LTFIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Target 2050 Fund (PAOFX) and Principal LifeTime 2055 Fund (LTFIX). 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.
| PAOFX | LTFIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.91 | 0.80 | +0.11 |
Sortino ratioReturn per unit of downside risk | 1.36 | 1.24 | +0.12 |
Omega ratioGain probability vs. loss probability | 1.20 | 1.18 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.00 | 0.94 | +0.06 |
Martin ratioReturn relative to average drawdown | 4.62 | 4.55 | +0.07 |
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
| PAOFX | LTFIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.91 | 0.80 | +0.11 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.46 | 0.48 | -0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.65 | 0.65 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.63 | 0.42 | +0.20 |
Correlation
The correlation between PAOFX and LTFIX 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
PAOFX vs. LTFIX - Dividend Comparison
PAOFX's dividend yield for the trailing twelve months is around 4.79%, less than LTFIX's 9.21% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PAOFX T. Rowe Price Target 2050 Fund | 4.79% | 4.62% | 2.43% | 2.48% | 5.30% | 3.47% | 2.61% | 4.21% | 5.34% | 2.31% | 2.31% | 2.44% |
LTFIX Principal LifeTime 2055 Fund | 9.21% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
Drawdowns
PAOFX vs. LTFIX - Drawdown Comparison
The maximum PAOFX drawdown since its inception was -30.94%, smaller than the maximum LTFIX drawdown of -52.73%. Use the drawdown chart below to compare losses from any high point for PAOFX and LTFIX.
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Drawdown Indicators
| PAOFX | LTFIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -30.94% | -52.73% | +21.79% |
Max Drawdown (1Y)Largest decline over 1 year | -11.09% | -11.48% | +0.39% |
Max Drawdown (5Y)Largest decline over 5 years | -27.78% | -26.80% | -0.98% |
Max Drawdown (10Y)Largest decline over 10 years | -30.94% | -33.50% | +2.56% |
Current DrawdownCurrent decline from peak | -9.30% | -8.71% | -0.59% |
Average DrawdownAverage peak-to-trough decline | -4.88% | -7.70% | +2.82% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.69% | 2.37% | +0.32% |
Volatility
PAOFX vs. LTFIX - Volatility Comparison
T. Rowe Price Target 2050 Fund (PAOFX) and Principal LifeTime 2055 Fund (LTFIX) have volatilities of 4.79% and 4.93%, 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
| PAOFX | LTFIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.79% | 4.93% | -0.14% |
Volatility (6M)Calculated over the trailing 6-month period | 8.74% | 8.89% | -0.15% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.39% | 15.73% | -0.34% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.48% | 15.37% | -0.89% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.62% | 15.77% | -1.15% |