PLJIX vs. PLTNX
PLJIX (Principal LifeTime 2065) and PLTNX (Principal LifeTime Hybrid 2055 Fund) are both Target Retirement Date funds from Principal. Over the past 5 years, PLJIX returned 8.55%/yr vs 9.95%/yr for PLTNX. Their 0.99 correlation means they have historically moved very closely together. Both charge a 0.05% expense ratio.
Performance
PLJIX vs. PLTNX - Performance Comparison
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Returns By Period
In the year-to-date period, PLJIX achieves a 9.11% return, which is significantly lower than PLTNX's 10.55% return.
PLJIX
- 1D
- 0.35%
- 1M
- 0.77%
- 6M
- 5.68%
- YTD
- 9.11%
- 1Y
- 18.44%
- 3Y*
- 15.85%
- 5Y*
- 8.55%
- 10Y*
- —
- ALL TIME*
- 10.83%
PLTNX
- 1D
- 0.39%
- 1M
- 0.53%
- 6M
- 6.74%
- YTD
- 10.55%
- 1Y
- 22.66%
- 3Y*
- 17.37%
- 5Y*
- 9.95%
- 10Y*
- 11.60%
- ALL TIME*
- 10.68%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
PLJIX vs. PLTNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PLJIX Principal LifeTime 2065 | 9.11% | 17.76% | 15.83% | 20.27% | -18.82% | 18.18% | 16.87% | 27.36% | -9.36% | 7.78% |
PLTNX Principal LifeTime Hybrid 2055 Fund | 10.55% | 19.89% | 17.25% | 20.33% | -18.49% | 19.70% | 15.78% | 26.17% | -9.84% | 7.89% |
Correlation
The correlation between PLJIX and PLTNX is 0.99 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.99 |
Correlation (3Y) Balances recent behavior with more history. | 0.99 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.99 |
Correlation (All Time) Calculated using the full available price history since Sep 6, 2017 | 0.99 |
The correlation between PLJIX and PLTNX has been stable across timeframes, ranging from 0.99 to 0.99 - a consistent structural relationship.
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Return for Risk
PLJIX vs. PLTNX — Risk / Return Rank
PLJIX
PLTNX
PLJIX vs. PLTNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2065 (PLJIX) and Principal LifeTime Hybrid 2055 Fund (PLTNX). 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 | PLTNX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.29 | ||
| Sortino ratioReturn per unit of downside risk | -0.36 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.29 | -0.05 |
| Calmar ratioReturn relative to maximum drawdown | 1.96 | 2.46 | -0.50 |
| Martin ratioReturn relative to average drawdown | 8.40 | 10.57 | -2.17 |
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Drawdowns
PLJIX vs. PLTNX - Drawdown Comparison
The maximum PLJIX drawdown since its inception was -34.13%, roughly equal to the maximum PLTNX drawdown of -32.71%. Use the drawdown chart below to compare losses from any high point for PLJIX and PLTNX.
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Drawdown Indicators
| PLJIX | PLTNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.13% | -32.71% | -1.42% |
Max Drawdown (1Y)Largest decline over 1 year | -8.72% | -8.66% | -0.06% |
Max Drawdown (3Y)Largest decline over 3 years | -15.72% | -16.66% | +0.94% |
Max Drawdown (5Y)Largest decline over 5 years | -26.81% | -25.48% | -1.33% |
Max Drawdown (10Y)Largest decline over 10 years | — | -32.71% | — |
Current DrawdownCurrent decline from peak | -0.52% | -1.00% | +0.48% |
Average DrawdownAverage peak-to-trough decline | -5.52% | -4.73% | -0.79% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.03% | 2.01% | +0.02% |
Volatility
PLJIX vs. PLTNX - Volatility Comparison
Principal LifeTime 2065 (PLJIX) and Principal LifeTime Hybrid 2055 Fund (PLTNX) have volatilities of 3.46% and 3.64%, 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
| PLJIX | PLTNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.46% | 3.64% | -0.18% |
Volatility (6M)Calculated over the trailing 6-month period | 10.58% | 10.86% | -0.28% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.82% | 13.18% | -0.36% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.53% | 15.64% | -0.11% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.69% | 15.82% | +0.87% |
PLJIX vs. PLTNX - Expense Ratio Comparison
Both PLJIX and PLTNX 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
PLJIX vs. PLTNX - Dividend Comparison
PLJIX's dividend yield for the trailing twelve months is around 6.30%, more than PLTNX's 4.15% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLJIX Principal LifeTime 2065 | 6.30% | 6.88% | 6.05% | 3.59% | 6.54% | 3.83% | 2.45% | 3.83% | 3.34% | 1.87% | 0.00% | 0.00% |
PLTNX Principal LifeTime Hybrid 2055 Fund | 4.15% | 4.59% | 4.40% | 2.84% | 9.11% | 4.23% | 3.11% | 3.47% | 4.68% | 2.21% | 1.99% | 1.63% |
Frequently Asked Questions
With a correlation of 0.99, PLJIX and PLTNX 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.
PLTNX has higher volatility (3.64%) compared to PLJIX (3.46%). In terms of maximum drawdown, PLJIX dropped -34.13% vs PLTNX's -32.71%.
PLTNX currently has the higher Sharpe Ratio (1.62 vs 1.33), 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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