PLTHX vs. URFFX
PLTHX (Principal LifeTime Hybrid 2060 Fund) and URFFX (USAA Target Retirement 2050 Fund) are both Target Retirement Date funds. Over the past 10 years, PLTHX returned 12.37%/yr vs 10.76%/yr for URFFX. With a 0.97 correlation, they move nearly in lockstep. PLTHX charges 0.05%/yr vs 0.58%/yr for URFFX.
Performance
PLTHX vs. URFFX - Performance Comparison
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Returns By Period
In the year-to-date period, PLTHX achieves a 10.63% return, which is significantly lower than URFFX's 12.66% return. Over the past 10 years, PLTHX has outperformed URFFX with an annualized return of 12.37%, while URFFX has yielded a comparatively lower 10.76% annualized return.
PLTHX
- 1D
- -0.28%
- 1M
- 1.56%
- YTD
- 10.63%
- 6M
- 9.95%
- 1Y
- 25.90%
- 3Y*
- 19.31%
- 5Y*
- 10.35%
- 10Y*
- 12.37%
URFFX
- 1D
- 0.17%
- 1M
- 2.49%
- YTD
- 12.66%
- 6M
- 11.86%
- 1Y
- 25.90%
- 3Y*
- 18.04%
- 5Y*
- 9.58%
- 10Y*
- 10.76%
PLTHX vs. URFFX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PLTHX Principal LifeTime Hybrid 2060 Fund | 10.63% | 19.91% | 17.18% | 20.28% | -18.52% | 20.05% | 16.11% | 26.46% | -9.93% | 21.32% |
URFFX USAA Target Retirement 2050 Fund | 12.66% | 19.35% | 11.86% | 18.12% | -15.66% | 17.70% | 10.52% | 20.16% | -9.01% | 19.40% |
Correlation
The correlation between PLTHX and URFFX is 0.97 - 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 | 0.97 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.96 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.97 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.97 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.97 |
The correlation between PLTHX and URFFX has been stable across timeframes, ranging from 0.96 to 0.97 - a consistent structural relationship.
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Return for Risk
PLTHX vs. URFFX — Risk / Return Rank
PLTHX
URFFX
PLTHX vs. URFFX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2060 Fund (PLTHX) 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.
| PLTHX | URFFX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.17 | ||
| Sortino ratioReturn per unit of downside risk | -0.26 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.42 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 3.15 | 3.40 | -0.25 |
| Martin ratioReturn relative to average drawdown | 14.01 | 14.62 | -0.60 |
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Drawdowns
PLTHX vs. URFFX - Drawdown Comparison
The maximum PLTHX drawdown since its inception was -33.26%, smaller than the maximum URFFX drawdown of -44.25%. Use the drawdown chart below to compare losses from any high point for PLTHX and URFFX.
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Drawdown Indicators
| PLTHX | URFFX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -33.26% | -44.25% | +10.99% |
Max Drawdown (1Y)Largest decline over 1 year | -8.60% | -7.89% | -0.71% |
Max Drawdown (3Y)Largest decline over 3 years | -16.64% | -14.14% | -2.50% |
Max Drawdown (5Y)Largest decline over 5 years | -25.49% | -23.76% | -1.73% |
Max Drawdown (10Y)Largest decline over 10 years | -33.26% | -29.97% | -3.29% |
Current DrawdownCurrent decline from peak | -0.97% | -0.40% | -0.57% |
Average DrawdownAverage peak-to-trough decline | -4.79% | -5.91% | +1.12% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.93% | 1.83% | +0.10% |
Volatility
PLTHX vs. URFFX - Volatility Comparison
Principal LifeTime Hybrid 2060 Fund (PLTHX) has a higher volatility of 5.05% compared to USAA Target Retirement 2050 Fund (URFFX) at 4.58%. This indicates that PLTHX'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
| PLTHX | URFFX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.05% | 4.58% | +0.47% |
Volatility (6M)Calculated over the trailing 6-month period | 10.44% | 9.57% | +0.87% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.70% | 11.65% | +1.05% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.62% | 13.97% | +1.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.02% | 14.40% | +1.62% |
PLTHX vs. URFFX - Expense Ratio Comparison
PLTHX has a 0.05% expense ratio, which is lower than URFFX's 0.58% expense ratio.
Dividends
PLTHX vs. URFFX - Dividend Comparison
PLTHX's dividend yield for the trailing twelve months is around 3.95%, less than URFFX's 5.74% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLTHX Principal LifeTime Hybrid 2060 Fund | 3.95% | 4.37% | 4.30% | 2.76% | 7.91% | 3.84% | 2.91% | 3.67% | 3.47% | 2.37% | 2.20% | 1.65% |
URFFX USAA Target Retirement 2050 Fund | 5.74% | 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, PLTHX 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.
PLTHX has higher volatility (5.05%) compared to URFFX (4.58%). In terms of maximum drawdown, PLTHX dropped -33.26% vs URFFX's -44.25%.
URFFX currently has the higher Sharpe Ratio (2.30 vs 2.14), 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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