PHTFX vs. URTRX
Compare and contrast key facts about Principal LifeTime Hybrid Income Fund (PHTFX) and USAA Target Retirement 2030 Fund (URTRX).
PHTFX is managed by Principal. It was launched on Sep 29, 2014. URTRX is managed by Victory. It was launched on Jul 30, 2008.
Performance
PHTFX vs. URTRX - Performance Comparison
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PHTFX vs. URTRX - 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% |
URTRX USAA Target Retirement 2030 Fund | -1.13% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
Returns By Period
In the year-to-date period, PHTFX achieves a -1.55% return, which is significantly lower than URTRX's -1.13% return. Over the past 10 years, PHTFX has underperformed URTRX with an annualized return of 4.61%, while URTRX has yielded a comparatively higher 7.32% 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%
URTRX
- 1D
- 0.00%
- 1M
- -5.15%
- YTD
- -1.13%
- 6M
- 1.08%
- 1Y
- 12.30%
- 3Y*
- 10.27%
- 5Y*
- 5.60%
- 10Y*
- 7.32%
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PHTFX vs. URTRX - Expense Ratio Comparison
PHTFX has a 0.05% expense ratio, which is higher than URTRX's 0.03% 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
PHTFX vs. URTRX — Risk / Return Rank
PHTFX
URTRX
PHTFX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid Income Fund (PHTFX) and USAA Target Retirement 2030 Fund (URTRX). 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 | URTRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.31 | 1.41 | -0.10 |
Sortino ratioReturn per unit of downside risk | 1.84 | 1.99 | -0.15 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.30 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.64 | 1.75 | -0.11 |
Martin ratioReturn relative to average drawdown | 7.38 | 8.22 | -0.84 |
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 | URTRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.31 | 1.41 | -0.10 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.52 | 0.58 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.76 | 0.71 | +0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.73 | 0.57 | +0.17 |
Correlation
The correlation between PHTFX and URTRX is 0.86, 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. URTRX - Dividend Comparison
PHTFX's dividend yield for the trailing twelve months is around 4.62%, less than URTRX's 6.86% 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% |
URTRX USAA Target Retirement 2030 Fund | 6.86% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Drawdowns
PHTFX vs. URTRX - Drawdown Comparison
The maximum PHTFX drawdown since its inception was -17.26%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for PHTFX and URTRX.
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Drawdown Indicators
| PHTFX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.26% | -34.10% | +16.84% |
Max Drawdown (1Y)Largest decline over 1 year | -4.98% | -6.63% | +1.65% |
Max Drawdown (5Y)Largest decline over 5 years | -17.26% | -19.52% | +2.26% |
Max Drawdown (10Y)Largest decline over 10 years | -17.26% | -23.56% | +6.30% |
Current DrawdownCurrent decline from peak | -4.01% | -5.29% | +1.28% |
Average DrawdownAverage peak-to-trough decline | -2.60% | -4.19% | +1.59% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.10% | 1.41% | -0.31% |
Volatility
PHTFX vs. URTRX - Volatility Comparison
The current volatility for Principal LifeTime Hybrid Income Fund (PHTFX) is 2.45%, while USAA Target Retirement 2030 Fund (URTRX) has a volatility of 3.09%. This indicates that PHTFX experiences smaller price fluctuations and is considered to be less risky than URTRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PHTFX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.45% | 3.09% | -0.64% |
Volatility (6M)Calculated over the trailing 6-month period | 3.88% | 5.24% | -1.36% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.57% | 8.78% | -2.21% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.75% | 9.65% | -2.90% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.10% | 10.32% | -4.22% |