PLTNX vs. PHTNX
PLTNX (Principal LifeTime Hybrid 2055 Fund) and PHTNX (Principal LifeTime Hybrid 2030 Fund) are both Target Retirement Date funds from Principal. Over the past 10 years, PLTNX returned 12.26%/yr vs 8.98%/yr for PHTNX. With a 0.98 correlation, they move nearly in lockstep. Both charge a 0.05% expense ratio.
Performance
PLTNX vs. PHTNX - Performance Comparison
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Returns By Period
In the year-to-date period, PLTNX achieves a 10.60% return, which is significantly higher than PHTNX's 6.54% return. Over the past 10 years, PLTNX has outperformed PHTNX with an annualized return of 12.26%, while PHTNX has yielded a comparatively lower 8.98% annualized return.
PLTNX
- 1D
- -0.29%
- 1M
- 1.52%
- YTD
- 10.60%
- 6M
- 9.93%
- 1Y
- 25.84%
- 3Y*
- 19.33%
- 5Y*
- 10.35%
- 10Y*
- 12.26%
PHTNX
- 1D
- -0.20%
- 1M
- 1.12%
- YTD
- 6.54%
- 6M
- 6.13%
- 1Y
- 16.65%
- 3Y*
- 13.17%
- 5Y*
- 6.43%
- 10Y*
- 8.98%
PLTNX vs. PHTNX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PLTNX Principal LifeTime Hybrid 2055 Fund | 10.60% | 19.89% | 17.25% | 20.33% | -18.49% | 19.70% | 15.78% | 26.17% | -9.84% | 21.03% |
PHTNX Principal LifeTime Hybrid 2030 Fund | 6.54% | 14.41% | 11.06% | 14.92% | -16.76% | 13.88% | 14.74% | 20.92% | -7.30% | 16.81% |
Correlation
The correlation between PLTNX and PHTNX is 0.98 - 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 | 0.99 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.98 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.98 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.98 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.98 |
The correlation between PLTNX and PHTNX has been stable across timeframes, ranging from 0.98 to 0.98 - a consistent structural relationship.
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Return for Risk
PLTNX vs. PHTNX — Risk / Return Rank
PLTNX
PHTNX
PLTNX vs. PHTNX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime Hybrid 2055 Fund (PLTNX) and Principal LifeTime Hybrid 2030 Fund (PHTNX). 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.
| PLTNX | PHTNX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.01 | ||
| Sortino ratioReturn per unit of downside risk | -0.11 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.41 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 3.12 | 3.01 | +0.12 |
| Martin ratioReturn relative to average drawdown | 13.94 | 13.30 | +0.64 |
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Drawdowns
PLTNX vs. PHTNX - Drawdown Comparison
The maximum PLTNX drawdown since its inception was -32.71%, which is greater than PHTNX's maximum drawdown of -24.52%. Use the drawdown chart below to compare losses from any high point for PLTNX and PHTNX.
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Drawdown Indicators
| PLTNX | PHTNX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.71% | -24.52% | -8.19% |
Max Drawdown (1Y)Largest decline over 1 year | -8.66% | -5.79% | -2.87% |
Max Drawdown (3Y)Largest decline over 3 years | -16.66% | -10.07% | -6.59% |
Max Drawdown (5Y)Largest decline over 5 years | -25.48% | -22.06% | -3.42% |
Max Drawdown (10Y)Largest decline over 10 years | -32.71% | -24.52% | -8.19% |
Current DrawdownCurrent decline from peak | -0.95% | -0.58% | -0.37% |
Average DrawdownAverage peak-to-trough decline | -4.76% | -3.96% | -0.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.94% | 1.31% | +0.63% |
Volatility
PLTNX vs. PHTNX - Volatility Comparison
Principal LifeTime Hybrid 2055 Fund (PLTNX) has a higher volatility of 5.04% compared to Principal LifeTime Hybrid 2030 Fund (PHTNX) at 3.30%. This indicates that PLTNX's price experiences larger fluctuations and is considered to be riskier than PHTNX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PLTNX | PHTNX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.04% | 3.30% | +1.74% |
Volatility (6M)Calculated over the trailing 6-month period | 10.47% | 6.76% | +3.71% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.75% | 8.17% | +4.58% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.61% | 10.58% | +5.03% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.89% | 11.26% | +4.63% |
PLTNX vs. PHTNX - Expense Ratio Comparison
Both PLTNX and PHTNX 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
PLTNX vs. PHTNX - Dividend Comparison
PLTNX's dividend yield for the trailing twelve months is around 4.15%, less than PHTNX's 4.33% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PHTNX Principal LifeTime Hybrid 2030 Fund | 4.33% | 4.62% | 3.71% | 3.42% | 8.05% | 5.40% | 4.44% | 3.70% | 3.79% | 2.52% | 2.28% | 1.68% |
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 0.98, PLTNX and PHTNX 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 (5.04%) compared to PHTNX (3.30%). In terms of maximum drawdown, PLTNX dropped -32.71% vs PHTNX's -24.52%.
PHTNX currently has the higher Sharpe Ratio (2.13 vs 2.13), 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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