PHTNX vs. URSIX
PHTNX (Principal LifeTime Hybrid 2030 Fund) and URSIX (USAA Target Retirement 2060 Fund) are both Target Retirement Date funds. Over the past 10 years, PHTNX returned 8.37%/yr vs 10.23%/yr for URSIX. Their 0.96 correlation means they have historically moved very closely together. PHTNX charges 0.05%/yr vs 0.10%/yr for URSIX.
Performance
PHTNX vs. URSIX - Performance Comparison
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Returns By Period
In the year-to-date period, PHTNX achieves a 6.05% return, which is significantly lower than URSIX's 13.54% return. Over the past 10 years, PHTNX has underperformed URSIX with an annualized return of 8.37%, while URSIX has yielded a comparatively higher 10.23% annualized return.
PHTNX
- 1D
- 0.99%
- 1M
- -0.20%
- 6M
- 4.02%
- YTD
- 6.05%
- 1Y
- 13.80%
- 3Y*
- 11.69%
- 5Y*
- 5.98%
- 10Y*
- 8.37%
- ALL TIME*
- 7.94%
URSIX
- 1D
- 1.42%
- 1M
- 0.56%
- 6M
- 9.91%
- YTD
- 13.54%
- 1Y
- 25.18%
- 3Y*
- 16.85%
- 5Y*
- 9.74%
- 10Y*
- 10.23%
- ALL TIME*
- 8.97%
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 |
PHTNX vs. URSIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PHTNX Principal LifeTime Hybrid 2030 Fund | 6.05% | 14.41% | 11.06% | 14.92% | -16.76% | 13.88% | 14.74% | 20.92% | -7.30% | 16.81% |
URSIX USAA Target Retirement 2060 Fund | 13.54% | 19.62% | 13.05% | 18.22% | -15.78% | 17.70% | 10.17% | 20.09% | -9.17% | 19.52% |
Correlation
The correlation between PHTNX and URSIX is 0.97 - 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. | 0.97 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.96 |
The correlation between PHTNX and URSIX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.
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Return for Risk
PHTNX vs. URSIX — Risk / Return Rank
PHTNX
URSIX
PHTNX vs. URSIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2030 Fund (PHTNX) and USAA Target Retirement 2060 Fund (URSIX). 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.
| PHTNX | URSIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.33 | ||
| Sortino ratioReturn per unit of downside risk | -0.44 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.34 | -0.05 |
| Calmar ratioReturn relative to maximum drawdown | 2.24 | 2.81 | -0.57 |
| Martin ratioReturn relative to average drawdown | 9.57 | 12.09 | -2.52 |
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Drawdowns
PHTNX vs. URSIX - Drawdown Comparison
The maximum PHTNX drawdown since its inception was -24.52%, smaller than the maximum URSIX drawdown of -30.33%. Use the drawdown chart below to compare losses from any high point for PHTNX and URSIX.
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Drawdown Indicators
| PHTNX | URSIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -24.52% | -30.33% | +5.81% |
Max Drawdown (1Y)Largest decline over 1 year | -5.79% | -8.32% | +2.53% |
Max Drawdown (3Y)Largest decline over 3 years | -10.07% | -14.35% | +4.28% |
Max Drawdown (5Y)Largest decline over 5 years | -22.06% | -23.85% | +1.79% |
Max Drawdown (10Y)Largest decline over 10 years | -24.52% | -30.33% | +5.81% |
Current DrawdownCurrent decline from peak | -1.04% | -0.28% | -0.76% |
Average DrawdownAverage peak-to-trough decline | -3.94% | -4.40% | +0.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.35% | 1.93% | -0.58% |
Volatility
PHTNX vs. URSIX - Volatility Comparison
The current volatility for Principal LifeTime Hybrid 2030 Fund (PHTNX) is 2.27%, while USAA Target Retirement 2060 Fund (URSIX) has a volatility of 3.06%. This indicates that PHTNX experiences smaller price fluctuations and is considered to be less risky than URSIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PHTNX | URSIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.27% | 3.06% | -0.79% |
Volatility (6M)Calculated over the trailing 6-month period | 6.96% | 10.34% | -3.38% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.39% | 12.45% | -4.06% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.59% | 14.21% | -3.62% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.19% | 14.52% | -3.33% |
PHTNX vs. URSIX - Expense Ratio Comparison
PHTNX has a 0.05% expense ratio, which is lower than URSIX's 0.10% 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%.
Dividends
PHTNX vs. URSIX - Dividend Comparison
PHTNX's dividend yield for the trailing twelve months is around 4.35%, less than URSIX's 4.93% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PHTNX Principal LifeTime Hybrid 2030 Fund | 4.35% | 4.62% | 3.71% | 3.42% | 8.05% | 5.40% | 4.44% | 3.70% | 3.79% | 2.52% | 2.28% | 1.68% |
URSIX USAA Target Retirement 2060 Fund | 4.93% | 5.60% | 2.55% | 2.89% | 10.97% | 7.07% | 4.79% | 5.88% | 4.77% | 3.82% | 3.01% | 1.73% |
Frequently Asked Questions
With a correlation of 0.97, PHTNX and URSIX 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.
URSIX has higher volatility (3.06%) compared to PHTNX (2.27%). In terms of maximum drawdown, PHTNX dropped -24.52% vs URSIX's -30.33%.
URSIX currently has the higher Sharpe Ratio (1.88 vs 1.55), 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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