PLHHX vs. SPY
Compare and contrast key facts about Principal LifeTime Hybrid 2065 Fund (PLHHX) and State Street SPDR S&P 500 ETF (SPY).
PLHHX is managed by Principal. It was launched on Sep 5, 2017. SPY is a passively managed fund by State Street that tracks the performance of the S&P 500 Index. It was launched on Jan 22, 1993.
Performance
PLHHX vs. SPY - Performance Comparison
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PLHHX vs. SPY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PLHHX Principal LifeTime Hybrid 2065 Fund | -4.49% | 19.91% | 17.00% | 20.33% | -18.53% | 20.30% | 16.50% | 27.02% | -10.19% | 7.77% |
SPY State Street SPDR S&P 500 ETF | -4.37% | 17.72% | 24.89% | 26.18% | -18.18% | 28.73% | 18.33% | 31.22% | -4.57% | 9.18% |
Returns By Period
The year-to-date returns for both investments are quite close, with PLHHX having a -4.49% return and SPY slightly higher at -4.37%.
PLHHX
- 1D
- -0.35%
- 1M
- -8.14%
- YTD
- -4.49%
- 6M
- -1.59%
- 1Y
- 16.34%
- 3Y*
- 14.80%
- 5Y*
- 8.27%
- 10Y*
- —
SPY
- 1D
- 2.91%
- 1M
- -4.94%
- YTD
- -4.37%
- 6M
- -1.82%
- 1Y
- 17.59%
- 3Y*
- 18.19%
- 5Y*
- 11.69%
- 10Y*
- 13.98%
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PLHHX vs. SPY - Expense Ratio Comparison
PLHHX has a 0.05% expense ratio, which is lower than SPY's 0.09% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
PLHHX vs. SPY — Risk / Return Rank
PLHHX
SPY
PLHHX vs. SPY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2065 Fund (PLHHX) and State Street SPDR S&P 500 ETF (SPY). 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.
| PLHHX | SPY | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.02 | 0.93 | +0.09 |
Sortino ratioReturn per unit of downside risk | 1.54 | 1.45 | +0.09 |
Omega ratioGain probability vs. loss probability | 1.22 | 1.22 | 0.00 |
Calmar ratioReturn relative to maximum drawdown | 1.22 | 1.53 | -0.30 |
Martin ratioReturn relative to average drawdown | 6.15 | 7.30 | -1.15 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| PLHHX | SPY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.02 | 0.93 | +0.09 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.54 | 0.69 | -0.15 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.78 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.60 | 0.56 | +0.03 |
Correlation
The correlation between PLHHX and SPY is 0.95, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
PLHHX vs. SPY - Dividend Comparison
PLHHX's dividend yield for the trailing twelve months is around 4.06%, more than SPY's 1.14% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLHHX Principal LifeTime Hybrid 2065 Fund | 4.06% | 3.88% | 4.03% | 2.64% | 7.08% | 2.27% | 2.00% | 1.65% | 3.49% | 1.87% | 0.00% | 0.00% |
SPY State Street SPDR S&P 500 ETF | 1.14% | 1.07% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% |
Drawdowns
PLHHX vs. SPY - Drawdown Comparison
The maximum PLHHX drawdown since its inception was -33.47%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for PLHHX and SPY.
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Drawdown Indicators
| PLHHX | SPY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.47% | -55.19% | +21.72% |
Max Drawdown (1Y)Largest decline over 1 year | -11.90% | -12.05% | +0.15% |
Max Drawdown (5Y)Largest decline over 5 years | -25.44% | -24.50% | -0.94% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.72% | — |
Current DrawdownCurrent decline from peak | -8.64% | -6.24% | -2.40% |
Average DrawdownAverage peak-to-trough decline | -5.49% | -9.09% | +3.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.36% | 2.52% | -0.16% |
Volatility
PLHHX vs. SPY - Volatility Comparison
The current volatility for Principal LifeTime Hybrid 2065 Fund (PLHHX) is 4.98%, while State Street SPDR S&P 500 ETF (SPY) has a volatility of 5.31%. This indicates that PLHHX experiences smaller price fluctuations and is considered to be less risky than SPY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PLHHX | SPY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.98% | 5.31% | -0.33% |
Volatility (6M)Calculated over the trailing 6-month period | 9.08% | 9.47% | -0.39% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.23% | 19.05% | -2.82% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.42% | 17.06% | -1.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.85% | 17.92% | -1.07% |