PHTUX vs. PLTNX
PHTUX (Principal LifeTime Hybrid 2050 Fund) and PLTNX (Principal LifeTime Hybrid 2055 Fund) are both Target Retirement Date funds from Principal. Over the past 10 years, PHTUX returned 12.08%/yr vs 12.26%/yr for PLTNX. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.05% expense ratio.
Performance
PHTUX vs. PLTNX - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with PHTUX having a 10.33% return and PLTNX slightly higher at 10.60%. Both investments have delivered pretty close results over the past 10 years, with PHTUX having a 12.08% annualized return and PLTNX not far ahead at 12.26%.
PHTUX
- 1D
- -0.25%
- 1M
- 1.53%
- YTD
- 10.33%
- 6M
- 9.72%
- 1Y
- 25.37%
- 3Y*
- 19.15%
- 5Y*
- 10.21%
- 10Y*
- 12.08%
PLTNX
- 1D
- -0.29%
- 1M
- 1.52%
- YTD
- 10.60%
- 6M
- 9.93%
- 1Y
- 25.84%
- 3Y*
- 19.33%
- 5Y*
- 10.35%
- 10Y*
- 12.26%
PHTUX vs. PLTNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PHTUX Principal LifeTime Hybrid 2050 Fund | 10.33% | 19.64% | 17.26% | 20.30% | -18.48% | 19.08% | 15.94% | 25.59% | -9.48% | 20.48% |
PLTNX Principal LifeTime Hybrid 2055 Fund | 10.60% | 19.89% | 17.25% | 20.33% | -18.49% | 19.70% | 15.78% | 26.17% | -9.84% | 21.03% |
Correlation
The correlation between PHTUX and PLTNX is 1.00 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 1.00 |
Correlation (3Y) Calculated over the trailing 3-year period | 1.00 |
Correlation (5Y) Calculated over the trailing 5-year period | 1.00 |
Correlation (10Y) Calculated over the trailing 10-year period | 1.00 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 1.00 |
The correlation between PHTUX and PLTNX has been stable across timeframes, ranging from 1.00 to 1.00 - a consistent structural relationship.
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Return for Risk
PHTUX vs. PLTNX — Risk / Return Rank
PHTUX
PLTNX
PHTUX vs. PLTNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2050 Fund (PHTUX) and Principal LifeTime Hybrid 2055 Fund (PLTNX). 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.
| PHTUX | PLTNX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.02 | ||
| Sortino ratioReturn per unit of downside risk | +0.02 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.39 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 3.14 | 3.12 | +0.02 |
| Martin ratioReturn relative to average drawdown | 14.01 | 13.94 | +0.07 |
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Drawdowns
PHTUX vs. PLTNX - Drawdown Comparison
The maximum PHTUX drawdown since its inception was -31.76%, roughly equal to the maximum PLTNX drawdown of -32.71%. Use the drawdown chart below to compare losses from any high point for PHTUX and PLTNX.
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Drawdown Indicators
| PHTUX | PLTNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.76% | -32.71% | +0.95% |
Max Drawdown (1Y)Largest decline over 1 year | -8.47% | -8.66% | +0.19% |
Max Drawdown (3Y)Largest decline over 3 years | -16.49% | -16.66% | +0.17% |
Max Drawdown (5Y)Largest decline over 5 years | -25.50% | -25.48% | -0.02% |
Max Drawdown (10Y)Largest decline over 10 years | -31.76% | -32.71% | +0.95% |
Current DrawdownCurrent decline from peak | -0.89% | -0.95% | +0.06% |
Average DrawdownAverage peak-to-trough decline | -4.67% | -4.76% | +0.09% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.90% | 1.94% | -0.04% |
Volatility
PHTUX vs. PLTNX - Volatility Comparison
Principal LifeTime Hybrid 2050 Fund (PHTUX) and Principal LifeTime Hybrid 2055 Fund (PLTNX) have volatilities of 4.86% and 5.04%, 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
| PHTUX | PLTNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.86% | 5.04% | -0.18% |
Volatility (6M)Calculated over the trailing 6-month period | 10.16% | 10.47% | -0.31% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.44% | 12.75% | -0.31% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.52% | 15.61% | -0.09% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.59% | 15.89% | -0.30% |
PHTUX vs. PLTNX - Expense Ratio Comparison
Both PHTUX and PLTNX have an expense ratio of 0.05%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
PHTUX vs. PLTNX - Dividend Comparison
PHTUX's dividend yield for the trailing twelve months is around 4.41%, more than PLTNX's 4.15% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PHTUX Principal LifeTime Hybrid 2050 Fund | 4.41% | 4.86% | 4.44% | 2.95% | 9.50% | 4.59% | 3.35% | 4.08% | 4.51% | 2.40% | 2.44% | 1.64% |
PLTNX Principal LifeTime Hybrid 2055 Fund | 4.15% | 4.59% | 4.40% | 2.84% | 9.11% | 4.23% | 3.11% | 3.47% | 4.68% | 2.21% | 1.99% | 1.63% |
Frequently Asked Questions
With a correlation of 1.00, PHTUX and PLTNX 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.
PLTNX has higher volatility (5.04%) compared to PHTUX (4.86%). In terms of maximum drawdown, PHTUX dropped -31.76% vs PLTNX's -32.71%.
PHTUX currently has the higher Sharpe Ratio (2.14 vs 2.13), 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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