PLJIX vs. PBCKX

Last updated Jul 15, 2026

PLJIX (Principal LifeTime 2065) and PBCKX (Principal Blue Chip Fund) are both mutual funds - PLJIX is a Target Retirement Date fund managed by Principal, while PBCKX is a Large Cap Growth Equities fund managed by Principal. Over the past 5 years, PLJIX returned 8.42%/yr vs 6.61%/yr for PBCKX. Their correlation of 0.89 suggests significant overlap in exposure. PLJIX charges 0.05%/yr vs 0.66%/yr for PBCKX.

Performance

PLJIX vs. PBCKX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Principal LifeTime 2065 (PLJIX) and Principal Blue Chip Fund (PBCKX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, PLJIX achieves a 8.03% return, which is significantly higher than PBCKX's -1.87% return.

PLJIX

• 1D: -0.99%
• 1M: 0.00%
• 6M: 5.48%
• YTD: 8.03%
• 1Y: 16.43%
• 3Y*: 15.80%
• 5Y*: 8.42%
• 10Y*: —

PBCKX

• 1D: -0.73%
• 1M: 2.30%
• 6M: -2.85%
• YTD: -1.87%
• 1Y: -2.03%
• 3Y*: 15.52%
• 5Y*: 6.61%
• 10Y*: 16.02%

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

PLJIX vs. PBCKX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
PLJIX Principal LifeTime 2065	8.03%	17.76%	15.83%	20.27%	-18.82%	18.18%	16.87%	27.36%	-9.36%	7.78%
PBCKX Principal Blue Chip Fund	-1.87%	9.20%	26.90%	40.58%	-30.74%	25.05%	34.77%	45.22%	2.83%	9.29%

Correlation

The correlation between PLJIX and PBCKX is 0.80, 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	0.80
Correlation (3Y) Calculated over the trailing 3-year period	0.84
Correlation (5Y) Calculated over the trailing 5-year period	0.89
Correlation (All Time) Calculated using the full available price history since Sep 6, 2017	0.89

The correlation between PLJIX and PBCKX has been stable across timeframes, ranging from 0.80 to 0.89 - a consistent structural relationship.

Return for Risk

PLJIX vs. PBCKX — Risk / Return Rank

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

PLJIX

PLJIX Risk / Return Rank: 40
PLJIX Sharpe Ratio Rank: 36
PLJIX Sortino Ratio Rank: 35
PLJIX Omega Ratio Rank: 37
PLJIX Calmar Ratio Rank: 40
PLJIX Martin Ratio Rank: 52

PBCKX

PBCKX Risk / Return Rank: 3
PBCKX Sharpe Ratio Rank: 3
PBCKX Sortino Ratio Rank: 3
PBCKX Omega Ratio Rank: 3
PBCKX Calmar Ratio Rank: 3
PBCKX Martin Ratio Rank: 3

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.

PLJIX vs. PBCKX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2065 (PLJIX) and Principal Blue Chip Fund (PBCKX). 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.

	PLJIX	PBCKX	Difference
Sharpe ratio: Return per unit of total volatility	1.32	-0.10	+1.42
Sortino ratio: Return per unit of downside risk	1.88	-0.03	+1.92
Omega ratio: Gain probability vs. loss probability	1.24	1.00	+0.25
Calmar ratio: Return relative to maximum drawdown	1.91	-0.09	+2.00
Martin ratio: Return relative to average drawdown	8.26	-0.25	+8.51

PLJIX vs. PBCKX - Sharpe Ratio Comparison

The current PLJIX Sharpe Ratio is 1.32, which is higher than the PBCKX Sharpe Ratio of -0.10. The chart below compares the historical Sharpe Ratios of PLJIX and PBCKX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

PLJIX vs. PBCKX - Drawdown Comparison

The maximum PLJIX drawdown since its inception was -34.13%, smaller than the maximum PBCKX drawdown of -38.00%. Use the drawdown chart below to compare losses from any high point for PLJIX and PBCKX.

Drawdown Indicators

	PLJIX	PBCKX	Difference
Max Drawdown Largest peak-to-trough decline	-34.13%	-38.00%	+3.87%
Max Drawdown (1Y) Largest decline over 1 year	-8.72%	-19.10%	+10.38%
Max Drawdown (3Y) Largest decline over 3 years	-15.72%	-19.10%	+3.38%
Max Drawdown (5Y) Largest decline over 5 years	-26.81%	-38.00%	+11.19%
Max Drawdown (10Y) Largest decline over 10 years	—	-38.00%	—
Current Drawdown Current decline from peak	-1.51%	-5.59%	+4.08%
Average Drawdown Average peak-to-trough decline	-5.55%	-5.66%	+0.11%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.01%	6.68%	-4.67%

Volatility

PLJIX vs. PBCKX - Volatility Comparison

The current volatility for Principal LifeTime 2065 (PLJIX) is 4.23%, while Principal Blue Chip Fund (PBCKX) has a volatility of 4.77%. This indicates that PLJIX experiences smaller price fluctuations and is considered to be less risky than PBCKX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PLJIX	PBCKX	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.23%	4.77%	-0.54%
Volatility (6M) Calculated over the trailing 6-month period	10.52%	13.16%	-2.64%
Volatility (1Y) Calculated over the trailing 1-year period	12.64%	15.90%	-3.26%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	15.53%	20.48%	-4.95%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.71%	20.20%	-3.49%

PLJIX vs. PBCKX - Expense Ratio Comparison

PLJIX has a 0.05% expense ratio, which is lower than PBCKX's 0.66% expense ratio.

Dividends

PLJIX vs. PBCKX - Dividend Comparison

PLJIX's dividend yield for the trailing twelve months is around 6.36%, less than PBCKX's 20.32% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
PBCKX Principal Blue Chip Fund	20.32%	19.94%	9.01%	0.51%	0.71%	6.67%	3.28%	8.90%	7.86%	2.79%	1.01%	2.40%
PLJIX Principal LifeTime 2065	6.36%	6.88%	6.05%	3.59%	6.54%	3.83%	2.45%	3.83%	3.34%	1.87%	0.00%	0.00%

Frequently Asked Questions

Can I hold both PLJIX and PBCKX in my portfolio?

PLJIX and PBCKX have a correlation of 0.80, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PLJIX or PBCKX?

PBCKX has higher volatility (4.77%) compared to PLJIX (4.23%). In terms of maximum drawdown, PLJIX dropped -34.13% vs PBCKX's -38.00%.

Which has better risk-adjusted returns?

PLJIX currently has the higher Sharpe Ratio (1.32 vs -0.10), 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.