PHTYX vs. POSIX
PHTYX (Principal LifeTime Hybrid 2045 Fund) and POSIX (Principal Global Real Estate Securities Fund) are both mutual funds - PHTYX is a Target Retirement Date fund managed by Principal, while POSIX is a REIT fund managed by Principal. Over the past 10 years, PHTYX returned 11.53%/yr vs 4.44%/yr for POSIX. A 0.71 correlation means they provide meaningful diversification when combined. PHTYX charges 0.05%/yr vs 0.94%/yr for POSIX.
Performance
PHTYX vs. POSIX - Performance Comparison
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Returns By Period
In the year-to-date period, PHTYX achieves a 9.55% return, which is significantly higher than POSIX's 8.05% return. Over the past 10 years, PHTYX has outperformed POSIX with an annualized return of 11.53%, while POSIX has yielded a comparatively lower 4.44% annualized return.
PHTYX
- 1D
- -0.26%
- 1M
- 1.44%
- YTD
- 9.55%
- 6M
- 8.94%
- 1Y
- 23.52%
- 3Y*
- 17.97%
- 5Y*
- 9.47%
- 10Y*
- 11.53%
POSIX
- 1D
- 0.58%
- 1M
- -1.05%
- YTD
- 8.05%
- 6M
- 8.06%
- 1Y
- 8.62%
- 3Y*
- 9.80%
- 5Y*
- 0.33%
- 10Y*
- 4.44%
PHTYX vs. POSIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PHTYX Principal LifeTime Hybrid 2045 Fund | 9.55% | 18.54% | 16.13% | 19.35% | -18.26% | 18.37% | 15.78% | 24.79% | -9.07% | 19.81% |
POSIX Principal Global Real Estate Securities Fund | 8.05% | 7.57% | 0.67% | 10.87% | -26.74% | 23.45% | -3.91% | 24.53% | -3.35% | 14.73% |
Correlation
The correlation between PHTYX and POSIX is 0.48, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.48 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.63 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.72 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.70 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.71 |
Over the past year, the correlation between PHTYX and POSIX has dropped to 0.48 - well below their long-term average of 0.71, suggesting their price drivers have been diverging.
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Return for Risk
PHTYX vs. POSIX — Risk / Return Rank
PHTYX
POSIX
PHTYX vs. POSIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2045 Fund (PHTYX) and Principal Global Real Estate Securities Fund (POSIX). 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.
| PHTYX | POSIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.29 | ||
| Sortino ratioReturn per unit of downside risk | +1.74 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.15 | +0.24 |
| Calmar ratioReturn relative to maximum drawdown | 3.10 | 1.00 | +2.10 |
| Martin ratioReturn relative to average drawdown | 13.78 | 3.58 | +10.20 |
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Drawdowns
PHTYX vs. POSIX - Drawdown Comparison
The maximum PHTYX drawdown since its inception was -30.61%, smaller than the maximum POSIX drawdown of -68.45%. Use the drawdown chart below to compare losses from any high point for PHTYX and POSIX.
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Drawdown Indicators
| PHTYX | POSIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -30.61% | -68.45% | +37.84% |
Max Drawdown (1Y)Largest decline over 1 year | -7.95% | -9.97% | +2.02% |
Max Drawdown (3Y)Largest decline over 3 years | -15.25% | -18.02% | +2.77% |
Max Drawdown (5Y)Largest decline over 5 years | -24.94% | -34.15% | +9.21% |
Max Drawdown (10Y)Largest decline over 10 years | -30.61% | -41.70% | +11.09% |
Current DrawdownCurrent decline from peak | -0.83% | -4.94% | +4.11% |
Average DrawdownAverage peak-to-trough decline | -4.56% | -13.90% | +9.34% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.78% | 2.79% | -1.01% |
Volatility
PHTYX vs. POSIX - Volatility Comparison
Principal LifeTime Hybrid 2045 Fund (PHTYX) has a higher volatility of 4.68% compared to Principal Global Real Estate Securities Fund (POSIX) at 3.88%. This indicates that PHTYX's price experiences larger fluctuations and is considered to be riskier than POSIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PHTYX | POSIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.68% | 3.88% | +0.80% |
Volatility (6M)Calculated over the trailing 6-month period | 9.61% | 9.36% | +0.25% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.65% | 12.14% | -0.49% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.66% | 16.30% | -1.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.85% | 17.01% | -2.16% |
PHTYX vs. POSIX - Expense Ratio Comparison
PHTYX has a 0.05% expense ratio, which is lower than POSIX's 0.94% expense ratio.
Dividends
PHTYX vs. POSIX - Dividend Comparison
PHTYX's dividend yield for the trailing twelve months is around 4.51%, more than POSIX's 2.44% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PHTYX Principal LifeTime Hybrid 2045 Fund | 4.51% | 4.94% | 4.41% | 3.05% | 9.68% | 4.72% | 3.45% | 3.63% | 4.66% | 2.24% | 2.00% | 1.66% |
POSIX Principal Global Real Estate Securities Fund | 2.44% | 2.64% | 2.57% | 2.63% | 1.12% | 2.40% | 1.13% | 6.32% | 3.81% | 4.16% | 3.70% | 4.48% |
Frequently Asked Questions
PHTYX and POSIX have a correlation of 0.48, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PHTYX has higher volatility (4.68%) compared to POSIX (3.88%). In terms of maximum drawdown, PHTYX dropped -30.61% vs POSIX's -68.45%.
PHTYX currently has the higher Sharpe Ratio (2.12 vs 0.83), 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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