PLTZX vs. VOO
Compare and contrast key facts about Principal LifeTime 2060 Fund (PLTZX) and Vanguard S&P 500 ETF (VOO).
PLTZX is managed by Principal. It was launched on Feb 28, 2013. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
PLTZX vs. VOO - Performance Comparison
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PLTZX vs. VOO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PLTZX Principal LifeTime 2060 Fund | -5.21% | 17.76% | 16.89% | 20.36% | -18.81% | 18.12% | 16.60% | 27.54% | -9.24% | 22.68% |
VOO Vanguard S&P 500 ETF | -4.42% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, PLTZX achieves a -5.21% return, which is significantly lower than VOO's -4.42% return. Over the past 10 years, PLTZX has underperformed VOO with an annualized return of 10.23%, while VOO has yielded a comparatively higher 14.05% annualized return.
PLTZX
- 1D
- -0.28%
- 1M
- -8.28%
- YTD
- -5.21%
- 6M
- -2.98%
- 1Y
- 12.54%
- 3Y*
- 13.98%
- 5Y*
- 7.39%
- 10Y*
- 10.23%
VOO
- 1D
- 2.86%
- 1M
- -5.01%
- YTD
- -4.42%
- 6M
- -1.84%
- 1Y
- 17.67%
- 3Y*
- 18.27%
- 5Y*
- 11.75%
- 10Y*
- 14.05%
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PLTZX vs. VOO - Expense Ratio Comparison
PLTZX has a 0.01% expense ratio, which is lower than VOO's 0.03% 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%.
Return for Risk
PLTZX vs. VOO — Risk / Return Rank
PLTZX
VOO
PLTZX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2060 Fund (PLTZX) and Vanguard S&P 500 ETF (VOO). 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 | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.81 | 0.98 | -0.18 |
Sortino ratioReturn per unit of downside risk | 1.24 | 1.50 | -0.25 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.23 | -0.05 |
Calmar ratioReturn relative to maximum drawdown | 0.94 | 1.53 | -0.60 |
Martin ratioReturn relative to average drawdown | 4.59 | 7.29 | -2.71 |
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 | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.81 | 0.98 | -0.18 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.48 | 0.70 | -0.22 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.78 | -0.14 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.63 | 0.83 | -0.20 |
Correlation
The correlation between PLTZX and VOO is 0.95, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
PLTZX vs. VOO - Dividend Comparison
PLTZX's dividend yield for the trailing twelve months is around 8.79%, more than VOO's 1.19% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLTZX Principal LifeTime 2060 Fund | 8.79% | 8.33% | 7.85% | 4.12% | 8.44% | 5.29% | 3.60% | 5.86% | 5.75% | 2.73% | 3.48% | 3.29% |
VOO Vanguard S&P 500 ETF | 1.19% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
PLTZX vs. VOO - Drawdown Comparison
The maximum PLTZX drawdown since its inception was -34.01%, roughly equal to the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for PLTZX and VOO.
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Drawdown Indicators
| PLTZX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.01% | -33.99% | -0.02% |
Max Drawdown (1Y)Largest decline over 1 year | -11.51% | -11.98% | +0.47% |
Max Drawdown (5Y)Largest decline over 5 years | -26.79% | -24.52% | -2.27% |
Max Drawdown (10Y)Largest decline over 10 years | -34.01% | -33.99% | -0.02% |
Current DrawdownCurrent decline from peak | -8.70% | -6.29% | -2.41% |
Average DrawdownAverage peak-to-trough decline | -4.67% | -3.72% | -0.95% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.35% | 2.52% | -0.17% |
Volatility
PLTZX vs. VOO - Volatility Comparison
The current volatility for Principal LifeTime 2060 Fund (PLTZX) is 4.98%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.29%. This indicates that PLTZX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PLTZX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.98% | 5.29% | -0.31% |
Volatility (6M)Calculated over the trailing 6-month period | 8.88% | 9.44% | -0.56% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.74% | 18.10% | -2.36% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.38% | 16.82% | -1.44% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.93% | 17.99% | -2.06% |