PLTZX vs. PLTHX
PLTZX (Principal LifeTime 2060 Fund) and PLTHX (Principal LifeTime Hybrid 2060 Fund) are both Target Retirement Date funds from Principal. Over the past 10 years, PLTZX returned 11.53%/yr vs 11.99%/yr for PLTHX. With a 0.99 correlation, they move nearly in lockstep. PLTZX charges 0.01%/yr vs 0.05%/yr for PLTHX.
Performance
PLTZX vs. PLTHX - Performance Comparison
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Returns By Period
In the year-to-date period, PLTZX achieves a 8.71% return, which is significantly lower than PLTHX's 10.78% return. Both investments have delivered pretty close results over the past 10 years, with PLTZX having a 11.53% annualized return and PLTHX not far ahead at 11.99%.
PLTZX
- 1D
- -0.87%
- 1M
- 2.92%
- YTD
- 8.71%
- 6M
- 9.08%
- 1Y
- 21.70%
- 3Y*
- 18.35%
- 5Y*
- 8.96%
- 10Y*
- 11.53%
PLTHX
- 1D
- -0.83%
- 1M
- 3.65%
- YTD
- 10.78%
- 6M
- 11.36%
- 1Y
- 26.92%
- 3Y*
- 19.65%
- 5Y*
- 10.19%
- 10Y*
- 11.99%
PLTZX vs. PLTHX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PLTZX Principal LifeTime 2060 Fund | 8.71% | 17.76% | 16.89% | 20.36% | -18.81% | 18.12% | 16.60% | 27.54% | -9.24% | 22.68% |
PLTHX Principal LifeTime Hybrid 2060 Fund | 10.78% | 19.91% | 17.18% | 20.28% | -18.52% | 20.05% | 16.11% | 26.46% | -9.93% | 21.32% |
Correlation
The correlation between PLTZX and PLTHX is 0.99 - 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 | 0.99 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.99 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.99 |
Correlation (All Time) Calculated using the full available price history since Oct 2, 2014 | 0.99 |
The correlation between PLTZX and PLTHX has been stable across timeframes, ranging from 0.99 to 0.99 - a consistent structural relationship.
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Return for Risk
PLTZX vs. PLTHX — Risk / Return Rank
PLTZX
PLTHX
PLTZX vs. PLTHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2060 Fund (PLTZX) and Principal LifeTime Hybrid 2060 Fund (PLTHX). 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.
| PLTZX | PLTHX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.42 | ||
| Sortino ratioReturn per unit of downside risk | -0.54 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.42 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 2.51 | 3.15 | -0.64 |
| Martin ratioReturn relative to average drawdown | 11.31 | 14.46 | -3.15 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| PLTZX | PLTHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.85 | 2.27 | -0.42 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.58 | 0.66 | -0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.72 | 0.75 | -0.03 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.70 | 0.69 | +0.01 |
Drawdowns
PLTZX vs. PLTHX - Drawdown Comparison
The maximum PLTZX drawdown since its inception was -34.01%, roughly equal to the maximum PLTHX drawdown of -33.26%. Use the drawdown chart below to compare losses from any high point for PLTZX and PLTHX.
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Drawdown Indicators
| PLTZX | PLTHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.01% | -33.26% | -0.75% |
Max Drawdown (1Y)Largest decline over 1 year | -8.70% | -8.60% | -0.10% |
Max Drawdown (3Y)Largest decline over 3 years | -15.73% | -16.64% | +0.91% |
Max Drawdown (5Y)Largest decline over 5 years | -26.79% | -25.49% | -1.30% |
Max Drawdown (10Y)Largest decline over 10 years | -34.01% | -33.26% | -0.75% |
Current DrawdownCurrent decline from peak | -0.87% | -0.83% | -0.04% |
Average DrawdownAverage peak-to-trough decline | -4.63% | -4.81% | +0.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.93% | 1.87% | +0.06% |
Volatility
PLTZX vs. PLTHX - Volatility Comparison
Principal LifeTime 2060 Fund (PLTZX) and Principal LifeTime Hybrid 2060 Fund (PLTHX) have volatilities of 3.44% and 3.54%, 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
| PLTZX | PLTHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.44% | 3.54% | -0.10% |
Volatility (6M)Calculated over the trailing 6-month period | 9.47% | 9.49% | -0.02% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.83% | 11.96% | -0.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.47% | 15.50% | -0.03% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.99% | 15.97% | +0.02% |
PLTZX vs. PLTHX - Expense Ratio Comparison
PLTZX has a 0.01% expense ratio, which is lower than PLTHX's 0.05% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
PLTZX vs. PLTHX - Dividend Comparison
PLTZX's dividend yield for the trailing twelve months is around 7.67%, more than PLTHX's 3.94% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLTHX Principal LifeTime Hybrid 2060 Fund | 3.94% | 4.37% | 4.30% | 2.76% | 7.91% | 3.84% | 2.91% | 3.67% | 3.47% | 2.37% | 2.20% | 1.65% |
PLTZX Principal LifeTime 2060 Fund | 7.67% | 8.33% | 7.85% | 4.12% | 8.44% | 5.29% | 3.60% | 5.86% | 5.75% | 2.73% | 3.48% | 3.29% |
Frequently Asked Questions
With a correlation of 0.99, PLTZX and PLTHX 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 (3.54%) compared to PLTZX (3.44%). In terms of maximum drawdown, PLTZX dropped -34.01% vs PLTHX's -33.26%.
PLTHX currently has the higher Sharpe Ratio (2.27 vs 1.85), 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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