PLTZX vs. PPLIX
PLTZX (Principal LifeTime 2060 Fund) and PPLIX (Principal LifeTime 2050 Fund) are both Target Retirement Date funds from Principal. Over the past 10 years, PLTZX returned 11.62%/yr vs 11.60%/yr for PPLIX. With a 1.00 correlation, they move nearly in lockstep. Both charge a 0.01% expense ratio.
Performance
PLTZX vs. PPLIX - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with PLTZX having a 9.67% return and PPLIX slightly lower at 9.45%. Both investments have delivered pretty close results over the past 10 years, with PLTZX having a 11.62% annualized return and PPLIX not far behind at 11.60%.
PLTZX
- 1D
- 0.44%
- 1M
- 4.72%
- YTD
- 9.67%
- 6M
- 10.04%
- 1Y
- 22.84%
- 3Y*
- 18.70%
- 5Y*
- 9.32%
- 10Y*
- 11.62%
PPLIX
- 1D
- 0.41%
- 1M
- 4.65%
- YTD
- 9.45%
- 6M
- 9.80%
- 1Y
- 22.45%
- 3Y*
- 19.31%
- 5Y*
- 9.59%
- 10Y*
- 11.60%
PLTZX vs. PPLIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PLTZX Principal LifeTime 2060 Fund | 9.67% | 17.76% | 16.89% | 20.36% | -18.81% | 18.12% | 16.60% | 27.54% | -9.24% | 22.68% |
PPLIX Principal LifeTime 2050 Fund | 9.45% | 17.55% | 19.12% | 20.36% | -18.78% | 17.04% | 16.56% | 26.67% | -8.74% | 22.12% |
Correlation
The correlation between PLTZX and PPLIX is 1.00 - 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 | 1.00 |
Correlation (3Y) Calculated over the trailing 3-year period | 1.00 |
Correlation (5Y) Calculated over the trailing 5-year period | 1.00 |
Correlation (10Y) Calculated over the trailing 10-year period | 1.00 |
Correlation (All Time) Calculated using the full available price history since Mar 5, 2013 | 1.00 |
The correlation between PLTZX and PPLIX has been stable across timeframes, ranging from 1.00 to 1.00 - a consistent structural relationship.
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Return for Risk
PLTZX vs. PPLIX — Risk / Return Rank
PLTZX
PPLIX
PLTZX vs. PPLIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2060 Fund (PLTZX) and Principal LifeTime 2050 Fund (PPLIX). 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 | PPLIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.01 | ||
| Sortino ratioReturn per unit of downside risk | -0.01 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.37 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 2.68 | 2.68 | +0.01 |
| Martin ratioReturn relative to average drawdown | 12.08 | 12.05 | +0.03 |
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 | PPLIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.98 | 1.99 | -0.01 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.61 | 0.62 | -0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.73 | 0.75 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.70 | 0.46 | +0.25 |
Drawdowns
PLTZX vs. PPLIX - Drawdown Comparison
The maximum PLTZX drawdown since its inception was -34.01%, smaller than the maximum PPLIX drawdown of -55.61%. Use the drawdown chart below to compare losses from any high point for PLTZX and PPLIX.
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Drawdown Indicators
| PLTZX | PPLIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.01% | -55.61% | +21.60% |
Max Drawdown (1Y)Largest decline over 1 year | -8.70% | -8.57% | -0.13% |
Max Drawdown (3Y)Largest decline over 3 years | -15.73% | -15.59% | -0.14% |
Max Drawdown (5Y)Largest decline over 5 years | -26.79% | -26.85% | +0.06% |
Max Drawdown (10Y)Largest decline over 10 years | -34.01% | -32.67% | -1.34% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -4.63% | -8.30% | +3.67% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.93% | 1.90% | +0.03% |
Volatility
PLTZX vs. PPLIX - Volatility Comparison
Principal LifeTime 2060 Fund (PLTZX) and Principal LifeTime 2050 Fund (PPLIX) have volatilities of 3.30% and 3.25%, 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 | PPLIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.30% | 3.25% | +0.05% |
Volatility (6M)Calculated over the trailing 6-month period | 9.44% | 9.22% | +0.22% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.80% | 11.56% | +0.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.46% | 15.47% | -0.01% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.99% | 15.59% | +0.40% |
PLTZX vs. PPLIX - Expense Ratio Comparison
Both PLTZX and PPLIX have an expense ratio of 0.01%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.
Dividends
PLTZX vs. PPLIX - Dividend Comparison
PLTZX's dividend yield for the trailing twelve months is around 7.60%, less than PPLIX's 9.09% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLTZX Principal LifeTime 2060 Fund | 7.60% | 8.33% | 7.85% | 4.12% | 8.44% | 5.29% | 3.60% | 5.86% | 5.75% | 2.73% | 3.48% | 3.29% |
PPLIX Principal LifeTime 2050 Fund | 9.09% | 9.95% | 11.56% | 4.41% | 9.40% | 8.04% | 5.23% | 7.16% | 8.64% | 5.12% | 4.82% | 6.07% |
Frequently Asked Questions
With a correlation of 1.00, PLTZX and PPLIX 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.
PLTZX has higher volatility (3.30%) compared to PPLIX (3.25%). In terms of maximum drawdown, PLTZX dropped -34.01% vs PPLIX's -55.61%.
PPLIX currently has the higher Sharpe Ratio (1.99 vs 1.98), 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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