PHTMX vs. FIRVX
PHTMX (Principal LifeTime Hybrid 2015 Fund) and FIRVX (Fidelity Managed Retirement 2020 Fund) are both Target Retirement Date funds. Their 0.95 correlation means they have historically moved very closely together. PHTMX charges 0.05%/yr vs 0.47%/yr for FIRVX.
Performance
PHTMX vs. FIRVX - Performance Comparison
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Returns By Period
PHTMX
- 1D
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- 1M
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- 6M
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- YTD
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- 1Y
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- 3Y*
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- 5Y*
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- 10Y*
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- ALL TIME*
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FIRVX
- 1D
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- 1M
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- 6M
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- YTD
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- 1Y
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- 3Y*
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- 5Y*
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- 10Y*
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- ALL TIME*
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PHTMX vs. FIRVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PHTMX Principal LifeTime Hybrid 2015 Fund | 4.29% | 11.23% | 7.87% | 11.09% | -13.61% | 7.83% | 11.84% | 15.18% | -4.52% | 11.78% |
FIRVX Fidelity Managed Retirement 2020 Fund | 1,440,933.92% | 12.25% | 5.86% | 10.72% | -14.63% | 6.77% | 12.06% | 16.19% | -4.45% | 13.32% |
Correlation
The correlation between PHTMX and FIRVX is 0.95 - 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. | 0.95 |
Correlation (3Y) Balances recent behavior with more history. | 0.96 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.95 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.95 |
The correlation between PHTMX and FIRVX has been stable across timeframes, ranging from 0.95 to 0.96 - a consistent structural relationship.
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Return for Risk
PHTMX vs. FIRVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2015 Fund (PHTMX) and Fidelity Managed Retirement 2020 Fund (FIRVX). 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.
Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.
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Drawdowns
PHTMX vs. FIRVX - Drawdown Comparison
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Volatility
PHTMX vs. FIRVX - Volatility Comparison
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PHTMX vs. FIRVX - Expense Ratio Comparison
PHTMX has a 0.05% expense ratio, which is lower than FIRVX's 0.47% expense ratio.
Dividends
PHTMX vs. FIRVX - Dividend Comparison
PHTMX's dividend yield for the trailing twelve months is around 5.36%, less than FIRVX's 102.77% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FIRVX Fidelity Managed Retirement 2020 Fund | 102.53% | 2.83% | 2.74% | 2.57% | 3.52% | 4.61% | 3.74% | 3.18% | 6.90% | 25.16% | 2.28% | 4.45% |
PHTMX Principal LifeTime Hybrid 2015 Fund | 5.36% | 4.41% | 3.87% | 3.45% | 5.20% | 5.53% | 4.89% | 3.11% | 2.24% | 2.33% | 2.00% | 1.61% |
Frequently Asked Questions
With a correlation of 0.95, PHTMX and FIRVX 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.
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