PHTTX vs. ISOLX
PHTTX (Principal LifeTime Hybrid 2020 Fund) and ISOLX (Voya Target In-Retirement Fund) are both Target Retirement Date funds. Over the past 10 years, PHTTX returned 6.74%/yr vs 5.33%/yr for ISOLX. Their correlation of 0.92 means they have usually moved in the same direction. PHTTX charges 0.05%/yr vs 0.20%/yr for ISOLX.
Performance
PHTTX vs. ISOLX - Performance Comparison
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Returns By Period
In the year-to-date period, PHTTX achieves a 4.51% return, which is significantly higher than ISOLX's 3.96% return. Over the past 10 years, PHTTX has outperformed ISOLX with an annualized return of 6.74%, while ISOLX has yielded a comparatively lower 5.33% annualized return.
PHTTX
- 1D
- 0.70%
- 1M
- -0.23%
- 6M
- 3.02%
- YTD
- 4.51%
- 1Y
- 10.66%
- 3Y*
- 9.58%
- 5Y*
- 4.63%
- 10Y*
- 6.74%
- ALL TIME*
- 6.46%
ISOLX
- 1D
- 0.77%
- 1M
- -0.67%
- 6M
- 2.34%
- YTD
- 3.96%
- 1Y
- 9.44%
- 3Y*
- 8.84%
- 5Y*
- 3.63%
- 10Y*
- 5.33%
- ALL TIME*
- 5.34%
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 |
PHTTX vs. ISOLX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PHTTX Principal LifeTime Hybrid 2020 Fund | 4.51% | 12.10% | 8.85% | 12.06% | -14.36% | 9.94% | 12.63% | 17.17% | -5.44% | 13.51% |
ISOLX Voya Target In-Retirement Fund | 3.96% | 11.96% | 7.03% | 11.13% | -14.97% | 6.53% | 10.46% | 14.40% | -2.96% | 9.49% |
Correlation
The correlation between PHTTX and ISOLX is 0.88, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.88 |
Correlation (3Y) Balances recent behavior with more history. | 0.92 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.92 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.92 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.92 |
The correlation between PHTTX and ISOLX has been stable across timeframes, ranging from 0.88 to 0.92 - a consistent structural relationship.
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Return for Risk
PHTTX vs. ISOLX — Risk / Return Rank
PHTTX
ISOLX
PHTTX vs. ISOLX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2020 Fund (PHTTX) and Voya Target In-Retirement Fund (ISOLX). 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.
| PHTTX | ISOLX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.11 | ||
| Sortino ratioReturn per unit of downside risk | -0.28 | ||
| Omega ratioGain probability vs. loss probability | 1.30 | 1.32 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 2.22 | 2.25 | -0.03 |
| Martin ratioReturn relative to average drawdown | 9.55 | 9.47 | +0.08 |
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Drawdowns
PHTTX vs. ISOLX - Drawdown Comparison
The maximum PHTTX drawdown since its inception was -18.94%, roughly equal to the maximum ISOLX drawdown of -19.02%. Use the drawdown chart below to compare losses from any high point for PHTTX and ISOLX.
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Drawdown Indicators
| PHTTX | ISOLX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.94% | -19.02% | +0.08% |
Max Drawdown (1Y)Largest decline over 1 year | -4.62% | -4.54% | -0.08% |
Max Drawdown (3Y)Largest decline over 3 years | -7.20% | -5.83% | -1.37% |
Max Drawdown (5Y)Largest decline over 5 years | -18.90% | -19.02% | +0.12% |
Max Drawdown (10Y)Largest decline over 10 years | -18.94% | -19.02% | +0.08% |
Current DrawdownCurrent decline from peak | -0.84% | -1.26% | +0.42% |
Average DrawdownAverage peak-to-trough decline | -3.26% | -2.80% | -0.46% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.07% | 1.04% | +0.03% |
Volatility
PHTTX vs. ISOLX - Volatility Comparison
Principal LifeTime Hybrid 2020 Fund (PHTTX) and Voya Target In-Retirement Fund (ISOLX) have volatilities of 1.80% and 1.75%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PHTTX | ISOLX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.80% | 1.75% | +0.05% |
Volatility (6M)Calculated over the trailing 6-month period | 5.46% | 4.99% | +0.47% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.54% | 6.08% | +0.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.10% | 7.12% | +0.98% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.52% | 6.60% | +1.92% |
PHTTX vs. ISOLX - Expense Ratio Comparison
PHTTX has a 0.05% expense ratio, which is lower than ISOLX's 0.20% 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
PHTTX vs. ISOLX - Dividend Comparison
PHTTX's dividend yield for the trailing twelve months is around 5.86%, more than ISOLX's 3.74% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ISOLX Voya Target In-Retirement Fund | 3.74% | 3.89% | 2.37% | 3.10% | 3.50% | 10.09% | 3.54% | 6.63% | 3.53% | 4.60% | 2.06% | 0.30% |
PHTTX Principal LifeTime Hybrid 2020 Fund | 5.86% | 6.12% | 3.67% | 3.46% | 7.03% | 5.97% | 4.75% | 3.12% | 3.36% | 2.52% | 2.13% | 1.64% |
Frequently Asked Questions
PHTTX and ISOLX have a correlation of 0.88, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PHTTX has higher volatility (1.80%) compared to ISOLX (1.75%). In terms of maximum drawdown, PHTTX dropped -18.94% vs ISOLX's -19.02%.
ISOLX currently has the higher Sharpe Ratio (1.68 vs 1.57), 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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