PHTTX vs. URTRX

Last updated Aug 1, 2026

PHTTX (Principal LifeTime Hybrid 2020 Fund) and URTRX (USAA Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 10 years, PHTTX returned 6.74%/yr vs 7.71%/yr for URTRX. Their 0.96 correlation means they have historically moved very closely together. PHTTX charges 0.05%/yr vs 0.03%/yr for URTRX.

Performance

PHTTX vs. URTRX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Principal LifeTime Hybrid 2020 Fund (PHTTX) and USAA Target Retirement 2030 Fund (URTRX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, PHTTX achieves a 4.51% return, which is significantly lower than URTRX's 8.39% return. Over the past 10 years, PHTTX has underperformed URTRX with an annualized return of 6.74%, while URTRX has yielded a comparatively higher 7.71% 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%

URTRX

• 1D: 0.84%
• 1M: 0.35%
• 6M: 6.07%
• YTD: 8.39%
• 1Y: 15.94%
• 3Y*: 11.77%
• 5Y*: 6.43%
• 10Y*: 7.71%
• ALL TIME*: 7.07%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
PHTTX Principal LifeTime Hybrid 2020 Fund	$0.00	$0.00	$0.00
URTRX USAA Target Retirement 2030 Fund	$0.00	$0.00	$0.00

PHTTX vs. URTRX - 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%
URTRX USAA Target Retirement 2030 Fund	8.39%	14.78%	8.09%	13.98%	-13.23%	12.23%	9.25%	17.13%	-6.98%	16.14%

Correlation

The correlation between PHTTX and URTRX 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.	0.95
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	0.96

The correlation between PHTTX and URTRX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.

Return for Risk

PHTTX vs. URTRX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

PHTTX

PHTTX Risk / Return Rank: 64
PHTTX Sharpe Ratio Rank: 61
PHTTX Sortino Ratio Rank: 60
PHTTX Omega Ratio Rank: 63
PHTTX Calmar Ratio Rank: 62
PHTTX Martin Ratio Rank: 75

URTRX

URTRX Risk / Return Rank: 84
URTRX Sharpe Ratio Rank: 83
URTRX Sortino Ratio Rank: 82
URTRX Omega Ratio Rank: 80
URTRX Calmar Ratio Rank: 85
URTRX Martin Ratio Rank: 90

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

PHTTX vs. URTRX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2020 Fund (PHTTX) 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.

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	URTRX	Difference
Sharpe ratio: Return per unit of total volatility	1.57	1.96	-0.39
Sortino ratio: Return per unit of downside risk	2.26	2.82	-0.57
Omega ratio: Gain probability vs. loss probability	1.30	1.37	-0.07
Calmar ratio: Return relative to maximum drawdown	2.22	2.90	-0.68
Martin ratio: Return relative to average drawdown	9.55	12.19	-2.64

PHTTX vs. URTRX - Sharpe Ratio Comparison

The current PHTTX Sharpe Ratio is 1.57, which is comparable to the URTRX Sharpe Ratio of 1.96. The chart below compares the historical Sharpe Ratios of PHTTX and URTRX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

PHTTX vs. URTRX - Drawdown Comparison

The maximum PHTTX drawdown since its inception was -18.94%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for PHTTX and URTRX.

Drawdown Indicators

	PHTTX	URTRX	Difference
Max Drawdown Largest peak-to-trough decline	-18.94%	-34.10%	+15.16%
Max Drawdown (1Y) Largest decline over 1 year	-4.62%	-5.29%	+0.67%
Max Drawdown (3Y) Largest decline over 3 years	-7.20%	-9.12%	+1.92%
Max Drawdown (5Y) Largest decline over 5 years	-18.90%	-19.52%	+0.62%
Max Drawdown (10Y) Largest decline over 10 years	-18.94%	-23.56%	+4.62%
Current Drawdown Current decline from peak	-0.84%	-0.28%	-0.56%
Average Drawdown Average peak-to-trough decline	-3.26%	-4.12%	+0.86%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.07%	1.25%	-0.18%

Volatility

PHTTX vs. URTRX - Volatility Comparison

The current volatility for Principal LifeTime Hybrid 2020 Fund (PHTTX) is 1.80%, while USAA Target Retirement 2030 Fund (URTRX) has a volatility of 2.00%. This indicates that PHTTX 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.

Volatility by Period

	PHTTX	URTRX	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.80%	2.00%	-0.20%
Volatility (6M) Calculated over the trailing 6-month period	5.46%	6.61%	-1.15%
Volatility (1Y) Calculated over the trailing 1-year period	6.54%	7.81%	-1.27%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	8.10%	9.76%	-1.66%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	8.52%	10.31%	-1.79%

PHTTX vs. URTRX - Expense Ratio Comparison

PHTTX 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%.

Dividends

PHTTX vs. URTRX - Dividend Comparison

PHTTX's dividend yield for the trailing twelve months is around 5.86%, less than URTRX's 6.25% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
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%
URTRX USAA Target Retirement 2030 Fund	6.25%	6.78%	3.16%	4.24%	9.53%	7.66%	4.53%	11.43%	8.54%	8.10%	4.06%	2.80%

Frequently Asked Questions

Can I hold both PHTTX and URTRX in my portfolio?

With a correlation of 0.97, PHTTX and URTRX 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.

Which is riskier, PHTTX or URTRX?

URTRX has higher volatility (2.00%) compared to PHTTX (1.80%). In terms of maximum drawdown, PHTTX dropped -18.94% vs URTRX's -34.10%.

Which has better risk-adjusted returns?

URTRX currently has the higher Sharpe Ratio (1.96 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.