PLHHX vs. PLTHX
PLHHX (Principal LifeTime Hybrid 2065 Fund) and PLTHX (Principal LifeTime Hybrid 2060 Fund) are both Target Retirement Date funds from Principal. Over the past 5 years, PLHHX returned 9.74%/yr vs 9.77%/yr for PLTHX. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.05% expense ratio.
Performance
PLHHX vs. PLTHX - Performance Comparison
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Returns By Period
As of year-to-date, both investments have demonstrated similar returns, with PLHHX at 8.52% and PLTHX at 8.52%.
PLHHX
- 1D
- -1.88%
- 1M
- -0.36%
- YTD
- 8.52%
- 6M
- 7.66%
- 1Y
- 22.00%
- 3Y*
- 18.51%
- 5Y*
- 9.74%
- 10Y*
- —
PLTHX
- 1D
- -1.90%
- 1M
- -0.38%
- YTD
- 8.52%
- 6M
- 7.65%
- 1Y
- 22.00%
- 3Y*
- 18.55%
- 5Y*
- 9.77%
- 10Y*
- 12.16%
PLHHX vs. PLTHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PLHHX Principal LifeTime Hybrid 2065 Fund | 8.52% | 19.91% | 17.00% | 20.33% | -18.53% | 20.30% | 16.50% | 27.02% | -10.19% | 7.77% |
PLTHX Principal LifeTime Hybrid 2060 Fund | 8.52% | 19.91% | 17.18% | 20.28% | -18.52% | 20.05% | 16.11% | 26.46% | -9.93% | 7.96% |
Correlation
The correlation between PLHHX and PLTHX 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 (All Time) Calculated using the full available price history since Sep 6, 2017 | 1.00 |
The correlation between PLHHX and PLTHX has been stable across timeframes, ranging from 1.00 to 1.00 - a consistent structural relationship.
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Return for Risk
PLHHX vs. PLTHX — Risk / Return Rank
PLHHX
PLTHX
PLHHX vs. PLTHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2065 Fund (PLHHX) and Principal LifeTime Hybrid 2060 Fund (PLTHX). 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.
| PLHHX | PLTHX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.01 | ||
| Sortino ratioReturn per unit of downside risk | -0.01 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.34 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 2.73 | 2.75 | -0.01 |
| Martin ratioReturn relative to average drawdown | 12.11 | 12.16 | -0.06 |
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Drawdowns
PLHHX vs. PLTHX - Drawdown Comparison
The maximum PLHHX drawdown since its inception was -33.47%, roughly equal to the maximum PLTHX drawdown of -33.26%. Use the drawdown chart below to compare losses from any high point for PLHHX and PLTHX.
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Drawdown Indicators
| PLHHX | PLTHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.47% | -33.26% | -0.21% |
Max Drawdown (1Y)Largest decline over 1 year | -8.64% | -8.60% | -0.04% |
Max Drawdown (3Y)Largest decline over 3 years | -16.62% | -16.64% | +0.02% |
Max Drawdown (5Y)Largest decline over 5 years | -25.44% | -25.49% | +0.05% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.26% | — |
Current DrawdownCurrent decline from peak | -2.81% | -2.85% | +0.04% |
Average DrawdownAverage peak-to-trough decline | -5.37% | -4.79% | -0.58% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.95% | 1.94% | +0.01% |
Volatility
PLHHX vs. PLTHX - Volatility Comparison
Principal LifeTime Hybrid 2065 Fund (PLHHX) and Principal LifeTime Hybrid 2060 Fund (PLTHX) have volatilities of 5.40% and 5.43%, 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
| PLHHX | PLTHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.40% | 5.43% | -0.03% |
Volatility (6M)Calculated over the trailing 6-month period | 10.62% | 10.61% | +0.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.87% | 12.83% | +0.04% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.65% | 15.64% | +0.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.84% | 15.97% | +0.87% |
PLHHX vs. PLTHX - Expense Ratio Comparison
Both PLHHX and PLTHX 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
PLHHX vs. PLTHX - Dividend Comparison
PLHHX's dividend yield for the trailing twelve months is around 3.58%, less than PLTHX's 4.02% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLHHX Principal LifeTime Hybrid 2065 Fund | 3.58% | 3.88% | 4.03% | 2.64% | 7.08% | 2.27% | 2.00% | 1.65% | 3.49% | 1.87% | 0.00% | 0.00% |
PLTHX Principal LifeTime Hybrid 2060 Fund | 4.02% | 4.37% | 4.30% | 2.76% | 7.91% | 3.84% | 2.91% | 3.67% | 3.47% | 2.37% | 2.20% | 1.65% |
Frequently Asked Questions
With a correlation of 1.00, PLHHX and PLTHX 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.
PLTHX has higher volatility (5.43%) compared to PLHHX (5.40%). In terms of maximum drawdown, PLHHX dropped -33.47% vs PLTHX's -33.26%.
PLTHX currently has the higher Sharpe Ratio (1.84 vs 1.84), 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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