PLJIX vs. URFFX
PLJIX (Principal LifeTime 2065) and URFFX (USAA Target Retirement 2050 Fund) are both Target Retirement Date funds. Over the past 5 years, PLJIX returned 8.55%/yr vs 9.38%/yr for URFFX. Their 0.96 correlation means they have historically moved very closely together. PLJIX charges 0.05%/yr vs 0.58%/yr for URFFX.
Performance
PLJIX vs. URFFX - 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 URFFX's 13.05% 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%
URFFX
- 1D
- 0.00%
- 1M
- 0.64%
- 6M
- 9.07%
- YTD
- 13.05%
- 1Y
- 24.29%
- 3Y*
- 16.47%
- 5Y*
- 9.38%
- 10Y*
- 10.19%
- ALL TIME*
- 8.09%
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. URFFX - 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% |
URFFX USAA Target Retirement 2050 Fund | 13.05% | 19.35% | 11.86% | 18.12% | -15.66% | 17.70% | 10.52% | 20.16% | -9.01% | 7.23% |
Correlation
The correlation between PLJIX and URFFX is 0.97 - 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. | 0.97 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.96 |
Correlation (All Time) Calculated using the full available price history since Sep 6, 2017 | 0.96 |
The correlation between PLJIX and URFFX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.
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Return for Risk
PLJIX vs. URFFX — Risk / Return Rank
PLJIX
URFFX
PLJIX vs. URFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2065 (PLJIX) and USAA Target Retirement 2050 Fund (URFFX). 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 | URFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.65 | ||
| Sortino ratioReturn per unit of downside risk | -0.88 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.36 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | 1.96 | 2.98 | -1.02 |
| Martin ratioReturn relative to average drawdown | 8.40 | 12.76 | -4.35 |
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Drawdowns
PLJIX vs. URFFX - Drawdown Comparison
The maximum PLJIX drawdown since its inception was -34.13%, smaller than the maximum URFFX drawdown of -44.25%. Use the drawdown chart below to compare losses from any high point for PLJIX and URFFX.
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Drawdown Indicators
| PLJIX | URFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.13% | -44.25% | +10.12% |
Max Drawdown (1Y)Largest decline over 1 year | -8.72% | -7.89% | -0.83% |
Max Drawdown (3Y)Largest decline over 3 years | -15.72% | -14.14% | -1.58% |
Max Drawdown (5Y)Largest decline over 5 years | -26.81% | -23.76% | -3.05% |
Max Drawdown (10Y)Largest decline over 10 years | — | -29.97% | — |
Current DrawdownCurrent decline from peak | -0.52% | -0.17% | -0.35% |
Average DrawdownAverage peak-to-trough decline | -5.52% | -5.88% | +0.36% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.03% | 1.84% | +0.19% |
Volatility
PLJIX vs. URFFX - Volatility Comparison
Principal LifeTime 2065 (PLJIX) has a higher volatility of 3.46% compared to USAA Target Retirement 2050 Fund (URFFX) at 2.87%. This indicates that PLJIX's price experiences larger fluctuations and is considered to be riskier than URFFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PLJIX | URFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.46% | 2.87% | +0.59% |
Volatility (6M)Calculated over the trailing 6-month period | 10.58% | 9.82% | +0.76% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.82% | 11.85% | +0.97% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.53% | 13.97% | +1.56% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.69% | 14.33% | +2.36% |
PLJIX vs. URFFX - Expense Ratio Comparison
PLJIX has a 0.05% expense ratio, which is lower than URFFX's 0.58% expense ratio.
Dividends
PLJIX vs. URFFX - Dividend Comparison
PLJIX's dividend yield for the trailing twelve months is around 6.30%, more than URFFX's 5.72% 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% |
URFFX USAA Target Retirement 2050 Fund | 5.72% | 6.46% | 2.61% | 3.39% | 11.40% | 8.13% | 6.25% | 11.76% | 10.21% | 5.55% | 3.91% | 2.57% |
Frequently Asked Questions
With a correlation of 0.97, PLJIX and URFFX 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.
PLJIX has higher volatility (3.46%) compared to URFFX (2.87%). In terms of maximum drawdown, PLJIX dropped -34.13% vs URFFX's -44.25%.
URFFX currently has the higher Sharpe Ratio (1.99 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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