PHTFX vs. SPY
Compare and contrast key facts about Principal LifeTime Hybrid Income Fund (PHTFX) and State Street SPDR S&P 500 ETF (SPY).
PHTFX is managed by Principal. It was launched on Sep 29, 2014. SPY is a passively managed fund by State Street that tracks the performance of the S&P 500 Index. It was launched on Jan 22, 1993.
Performance
PHTFX vs. SPY - Performance Comparison
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PHTFX vs. SPY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PHTFX Principal LifeTime Hybrid Income Fund | -1.55% | 11.14% | 7.52% | 10.77% | -13.22% | 5.13% | 10.11% | 11.82% | -2.75% | 7.62% |
SPY State Street SPDR S&P 500 ETF | -4.37% | 17.72% | 24.89% | 26.18% | -18.18% | 28.73% | 18.33% | 31.22% | -4.57% | 21.71% |
Returns By Period
In the year-to-date period, PHTFX achieves a -1.55% return, which is significantly higher than SPY's -4.37% return. Over the past 10 years, PHTFX has underperformed SPY with an annualized return of 4.61%, while SPY has yielded a comparatively higher 13.98% annualized return.
PHTFX
- 1D
- 0.09%
- 1M
- -4.01%
- YTD
- -1.55%
- 6M
- -0.01%
- 1Y
- 8.36%
- 3Y*
- 7.77%
- 5Y*
- 3.48%
- 10Y*
- 4.61%
SPY
- 1D
- 2.91%
- 1M
- -4.94%
- YTD
- -4.37%
- 6M
- -1.82%
- 1Y
- 17.59%
- 3Y*
- 18.19%
- 5Y*
- 11.69%
- 10Y*
- 13.98%
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PHTFX vs. SPY - Expense Ratio Comparison
PHTFX has a 0.05% expense ratio, which is lower than SPY's 0.09% 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
PHTFX vs. SPY — Risk / Return Rank
PHTFX
SPY
PHTFX vs. SPY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid Income Fund (PHTFX) and State Street SPDR S&P 500 ETF (SPY). 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.
| PHTFX | SPY | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.31 | 0.93 | +0.39 |
Sortino ratioReturn per unit of downside risk | 1.84 | 1.45 | +0.39 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.22 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.64 | 1.53 | +0.11 |
Martin ratioReturn relative to average drawdown | 7.38 | 7.30 | +0.08 |
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
| PHTFX | SPY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.31 | 0.93 | +0.39 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.52 | 0.69 | -0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.76 | 0.78 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.73 | 0.56 | +0.17 |
Correlation
The correlation between PHTFX and SPY is 0.78, 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
PHTFX vs. SPY - Dividend Comparison
PHTFX's dividend yield for the trailing twelve months is around 4.62%, more than SPY's 1.14% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PHTFX Principal LifeTime Hybrid Income Fund | 4.62% | 4.54% | 3.34% | 3.60% | 5.20% | 5.57% | 4.92% | 2.96% | 2.07% | 2.43% | 1.41% | 1.52% |
SPY State Street SPDR S&P 500 ETF | 1.14% | 1.07% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% |
Drawdowns
PHTFX vs. SPY - Drawdown Comparison
The maximum PHTFX drawdown since its inception was -17.26%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for PHTFX and SPY.
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Drawdown Indicators
| PHTFX | SPY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.26% | -55.19% | +37.93% |
Max Drawdown (1Y)Largest decline over 1 year | -4.98% | -12.05% | +7.07% |
Max Drawdown (5Y)Largest decline over 5 years | -17.26% | -24.50% | +7.24% |
Max Drawdown (10Y)Largest decline over 10 years | -17.26% | -33.72% | +16.46% |
Current DrawdownCurrent decline from peak | -4.01% | -6.24% | +2.23% |
Average DrawdownAverage peak-to-trough decline | -2.60% | -9.09% | +6.49% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.10% | 2.52% | -1.42% |
Volatility
PHTFX vs. SPY - Volatility Comparison
The current volatility for Principal LifeTime Hybrid Income Fund (PHTFX) is 2.45%, while State Street SPDR S&P 500 ETF (SPY) has a volatility of 5.31%. This indicates that PHTFX experiences smaller price fluctuations and is considered to be less risky than SPY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PHTFX | SPY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.45% | 5.31% | -2.86% |
Volatility (6M)Calculated over the trailing 6-month period | 3.88% | 9.47% | -5.59% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.57% | 19.05% | -12.48% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.75% | 17.06% | -10.31% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.10% | 17.92% | -11.82% |