PLGIX vs. PHTUX

Last updated Jun 4, 2026

PLGIX (Principal LargeCap Growth Fund I) and PHTUX (Principal LifeTime Hybrid 2050 Fund) are both mutual funds - PLGIX is a Large Cap Growth Equities fund managed by Principal, while PHTUX is a Target Retirement Date fund managed by Principal. Over the past 10 years, PLGIX returned 20.21%/yr vs 11.81%/yr for PHTUX. Their correlation of 0.88 suggests significant overlap in exposure. PLGIX charges 0.67%/yr vs 0.05%/yr for PHTUX.

Performance

PLGIX vs. PHTUX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Principal LargeCap Growth Fund I (PLGIX) and Principal LifeTime Hybrid 2050 Fund (PHTUX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, PLGIX achieves a 6.11% return, which is significantly lower than PHTUX's 11.33% return. Over the past 10 years, PLGIX has outperformed PHTUX with an annualized return of 20.21%, while PHTUX has yielded a comparatively lower 11.81% annualized return.

PLGIX

• 1D: -0.29%
• 1M: 6.85%
• YTD: 6.11%
• 6M: 5.10%
• 1Y: 15.54%
• 3Y*: 35.60%
• 5Y*: 18.09%
• 10Y*: 20.21%

PHTUX

• 1D: 0.50%
• 1M: 5.33%
• YTD: 11.33%
• 6M: 11.96%
• 1Y: 27.49%
• 3Y*: 19.78%
• 5Y*: 10.41%
• 10Y*: 11.81%

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

PLGIX vs. PHTUX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
PLGIX Principal LargeCap Growth Fund I	6.11%	11.59%	83.01%	40.40%	-34.05%	21.49%	36.06%	34.89%	3.44%	33.67%
PHTUX Principal LifeTime Hybrid 2050 Fund	11.33%	19.64%	17.26%	20.30%	-18.48%	19.08%	15.94%	25.59%	-9.48%	20.48%

Correlation

The correlation between PLGIX and PHTUX is 0.84, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.84
Correlation (3Y) Calculated over the trailing 3-year period	0.85
Correlation (5Y) Calculated over the trailing 5-year period	0.88
Correlation (10Y) Calculated over the trailing 10-year period	0.87
Correlation (All Time) Calculated using the full available price history since Oct 2, 2014	0.88

The correlation between PLGIX and PHTUX has been stable across timeframes, ranging from 0.84 to 0.88 - a consistent structural relationship.

Return for Risk

PLGIX vs. PHTUX — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PLGIX

PLGIX Risk / Return Rank: 12
PLGIX Sharpe Ratio Rank: 15
PLGIX Sortino Ratio Rank: 14
PLGIX Omega Ratio Rank: 14
PLGIX Calmar Ratio Rank: 9
PLGIX Martin Ratio Rank: 9

PHTUX

PHTUX Risk / Return Rank: 69
PHTUX Sharpe Ratio Rank: 67
PHTUX Sortino Ratio Rank: 63
PHTUX Omega Ratio Rank: 63
PHTUX Calmar Ratio Rank: 72
PHTUX Martin Ratio Rank: 81

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PLGIX vs. PHTUX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Principal LargeCap Growth Fund I (PLGIX) and Principal LifeTime Hybrid 2050 Fund (PHTUX). 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.

	PLGIX	PHTUX	Difference
Sharpe ratio: Return per unit of total volatility	1.06	2.40	-1.34
Sortino ratio: Return per unit of downside risk	1.52	3.32	-1.80
Omega ratio: Gain probability vs. loss probability	1.19	1.44	-0.25
Calmar ratio: Return relative to maximum drawdown	0.88	3.32	-2.43
Martin ratio: Return relative to average drawdown	2.73	15.21	-12.48
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PLGIX vs. PHTUX - Sharpe Ratio Comparison

The current PLGIX Sharpe Ratio is 1.06, which is lower than the PHTUX Sharpe Ratio of 2.40. The chart below compares the historical Sharpe Ratios of PLGIX and PHTUX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	PLGIX	PHTUX	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.06	2.40	-1.34
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.60	0.68	-0.07
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.80	0.76	+0.03
Sharpe Ratio (All Time) Calculated using the full available price history	0.45	0.70	-0.24

Drawdowns

PLGIX vs. PHTUX - Drawdown Comparison

The maximum PLGIX drawdown since its inception was -55.43%, which is greater than PHTUX's maximum drawdown of -31.76%. Use the drawdown chart below to compare losses from any high point for PLGIX and PHTUX.

Drawdown Indicators

	PLGIX	PHTUX	Difference
Max Drawdown Largest peak-to-trough decline	-55.43%	-31.76%	-23.67%
Max Drawdown (1Y) Largest decline over 1 year	-18.32%	-8.47%	-9.85%
Max Drawdown (3Y) Largest decline over 3 years	-21.39%	-16.49%	-4.90%
Max Drawdown (5Y) Largest decline over 5 years	-40.63%	-25.50%	-15.13%
Max Drawdown (10Y) Largest decline over 10 years	-40.63%	-31.76%	-8.87%
Current Drawdown Current decline from peak	-0.29%	0.00%	-0.29%
Average Drawdown Average peak-to-trough decline	-13.26%	-4.69%	-8.57%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.90%	1.84%	+4.06%

Volatility

PLGIX vs. PHTUX - Volatility Comparison

Principal LargeCap Growth Fund I (PLGIX) has a higher volatility of 3.61% compared to Principal LifeTime Hybrid 2050 Fund (PHTUX) at 3.33%. This indicates that PLGIX's price experiences larger fluctuations and is considered to be riskier than PHTUX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PLGIX	PHTUX	Difference
Volatility (1M) Calculated over the trailing 1-month period	3.61%	3.33%	+0.28%
Volatility (6M) Calculated over the trailing 6-month period	12.06%	9.24%	+2.82%
Volatility (1Y) Calculated over the trailing 1-year period	15.25%	11.72%	+3.53%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	30.12%	15.41%	+14.71%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	25.44%	15.54%	+9.90%

PLGIX vs. PHTUX - Expense Ratio Comparison

PLGIX has a 0.67% expense ratio, which is higher than PHTUX's 0.05% expense ratio.

Dividends

PLGIX vs. PHTUX - Dividend Comparison

PLGIX's dividend yield for the trailing twelve months is around 13.62%, more than PHTUX's 4.37% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
PHTUX Principal LifeTime Hybrid 2050 Fund	4.37%	4.86%	4.44%	2.95%	9.50%	4.59%	3.35%	4.08%	4.51%	2.40%	2.44%	1.64%
PLGIX Principal LargeCap Growth Fund I	13.62%	14.45%	63.77%	5.99%	11.57%	11.34%	7.03%	8.01%	16.41%	7.05%	4.64%	12.51%

Frequently Asked Questions

Can I hold both PLGIX and PHTUX in my portfolio?

PLGIX and PHTUX have a correlation of 0.84, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PLGIX or PHTUX?

PLGIX has higher volatility (3.61%) compared to PHTUX (3.33%). In terms of maximum drawdown, PLGIX dropped -55.43% vs PHTUX's -31.76%.

Which has better risk-adjusted returns?

PHTUX currently has the higher Sharpe Ratio (2.40 vs 1.06), 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.