PHTQX vs. FIRMX
Compare and contrast key facts about Principal LifeTime Hybrid 2025 Fund (PHTQX) and Fidelity Managed Retirement Income Fund (FIRMX).
PHTQX is managed by Principal. It was launched on Sep 29, 2014. FIRMX is managed by BlackRock. It was launched on Aug 30, 2007.
Performance
PHTQX vs. FIRMX - Performance Comparison
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PHTQX vs. FIRMX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PHTQX Principal LifeTime Hybrid 2025 Fund | -2.27% | 13.11% | 9.88% | 13.23% | -15.18% | 11.94% | 13.62% | 19.24% | -6.54% | 15.23% |
FIRMX Fidelity Managed Retirement Income Fund | -0.50% | 9.95% | 4.29% | 8.07% | -11.66% | 2.77% | 8.57% | 10.57% | -1.80% | 7.08% |
Returns By Period
In the year-to-date period, PHTQX achieves a -2.27% return, which is significantly lower than FIRMX's -0.50% return. Over the past 10 years, PHTQX has outperformed FIRMX with an annualized return of 7.25%, while FIRMX has yielded a comparatively lower 3.92% annualized return.
PHTQX
- 1D
- 0.00%
- 1M
- -4.98%
- YTD
- -2.27%
- 6M
- -0.36%
- 1Y
- 10.12%
- 3Y*
- 9.48%
- 5Y*
- 4.86%
- 10Y*
- 7.25%
FIRMX
- 1D
- 0.27%
- 1M
- -3.18%
- YTD
- -0.50%
- 6M
- 0.75%
- 1Y
- 7.05%
- 3Y*
- 5.96%
- 5Y*
- 2.41%
- 10Y*
- 3.92%
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PHTQX vs. FIRMX - Expense Ratio Comparison
PHTQX has a 0.05% expense ratio, which is lower than FIRMX's 0.45% expense ratio.
Return for Risk
PHTQX vs. FIRMX — Risk / Return Rank
PHTQX
FIRMX
PHTQX vs. FIRMX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2025 Fund (PHTQX) and Fidelity Managed Retirement Income Fund (FIRMX). 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.
| PHTQX | FIRMX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 1.56 | -0.37 |
Sortino ratioReturn per unit of downside risk | 1.72 | 2.17 | -0.45 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.31 | -0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.47 | 2.08 | -0.62 |
Martin ratioReturn relative to average drawdown | 6.88 | 8.41 | -1.54 |
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
| PHTQX | FIRMX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.19 | 1.56 | -0.37 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.46 | +0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.88 | -0.14 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.67 | 0.52 | +0.15 |
Correlation
The correlation between PHTQX and FIRMX is 0.84, 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
PHTQX vs. FIRMX - Dividend Comparison
PHTQX's dividend yield for the trailing twelve months is around 5.04%, more than FIRMX's 3.16% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PHTQX Principal LifeTime Hybrid 2025 Fund | 5.04% | 4.92% | 3.90% | 3.52% | 6.72% | 5.24% | 4.32% | 3.33% | 3.41% | 2.33% | 1.90% | 1.79% |
FIRMX Fidelity Managed Retirement Income Fund | 3.16% | 3.13% | 3.02% | 2.81% | 4.54% | 3.56% | 2.48% | 2.59% | 4.65% | 8.57% | 1.67% | 1.68% |
Drawdowns
PHTQX vs. FIRMX - Drawdown Comparison
The maximum PHTQX drawdown since its inception was -21.90%, smaller than the maximum FIRMX drawdown of -33.73%. Use the drawdown chart below to compare losses from any high point for PHTQX and FIRMX.
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Drawdown Indicators
| PHTQX | FIRMX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.90% | -33.73% | +11.83% |
Max Drawdown (1Y)Largest decline over 1 year | -6.55% | -3.44% | -3.11% |
Max Drawdown (5Y)Largest decline over 5 years | -20.08% | -16.11% | -3.97% |
Max Drawdown (10Y)Largest decline over 10 years | -21.90% | -16.11% | -5.79% |
Current DrawdownCurrent decline from peak | -5.11% | -3.18% | -1.93% |
Average DrawdownAverage peak-to-trough decline | -3.63% | -3.73% | +0.10% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.40% | 0.85% | +0.55% |
Volatility
PHTQX vs. FIRMX - Volatility Comparison
Principal LifeTime Hybrid 2025 Fund (PHTQX) has a higher volatility of 3.00% compared to Fidelity Managed Retirement Income Fund (FIRMX) at 1.96%. This indicates that PHTQX's price experiences larger fluctuations and is considered to be riskier than FIRMX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PHTQX | FIRMX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.00% | 1.96% | +1.04% |
Volatility (6M)Calculated over the trailing 6-month period | 5.01% | 2.86% | +2.15% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.63% | 4.59% | +4.04% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.07% | 5.21% | +3.86% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 9.78% | 4.47% | +5.31% |