PMTIX vs. AAAMX
PMTIX (Principal LifeTime 2030 Fund) and AAAMX (American Century One Choice Blend+ 2020 Portfolio) are both Target Retirement Date funds. Over the past 5 years, PMTIX returned 5.71%/yr vs 4.04%/yr for AAAMX. Their correlation of 0.94 means they have usually moved in the same direction. PMTIX charges 0.01%/yr vs 0.57%/yr for AAAMX.
Performance
PMTIX vs. AAAMX - Performance Comparison
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Returns By Period
In the year-to-date period, PMTIX achieves a 5.18% return, which is significantly higher than AAAMX's 4.58% return.
PMTIX
- 1D
- 1.01%
- 1M
- -0.07%
- 6M
- 3.37%
- YTD
- 5.18%
- 1Y
- 11.47%
- 3Y*
- 11.80%
- 5Y*
- 5.71%
- 10Y*
- 8.48%
- ALL TIME*
- 6.56%
AAAMX
- 1D
- 0.73%
- 1M
- -0.09%
- 6M
- 3.10%
- YTD
- 4.58%
- 1Y
- 9.99%
- 3Y*
- 8.94%
- 5Y*
- 4.04%
- 10Y*
- —
- ALL TIME*
- 4.73%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
PMTIX vs. AAAMX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
PMTIX Principal LifeTime 2030 Fund | 5.18% | 13.25% | 12.86% | 15.11% | -16.81% | 10.30% |
AAAMX American Century One Choice Blend+ 2020 Portfolio | 4.58% | 11.63% | 6.87% | 10.81% | -13.19% | 6.88% |
Correlation
The correlation between PMTIX and AAAMX is 0.96 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.96 |
Correlation (3Y) Balances recent behavior with more history. | 0.93 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.94 |
Correlation (All Time) Calculated using the full available price history since Mar 10, 2021 | 0.94 |
The correlation between PMTIX and AAAMX has been stable across timeframes, ranging from 0.93 to 0.96 - a consistent structural relationship.
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Return for Risk
PMTIX vs. AAAMX — Risk / Return Rank
PMTIX
AAAMX
PMTIX vs. AAAMX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2030 Fund (PMTIX) and American Century One Choice Blend+ 2020 Portfolio (AAAMX). 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.
| PMTIX | AAAMX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.41 | ||
| Sortino ratioReturn per unit of downside risk | -0.61 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.31 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 1.81 | 2.08 | -0.27 |
| Martin ratioReturn relative to average drawdown | 7.70 | 9.02 | -1.32 |
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Drawdowns
PMTIX vs. AAAMX - Drawdown Comparison
The maximum PMTIX drawdown since its inception was -52.14%, which is greater than AAAMX's maximum drawdown of -19.03%. Use the drawdown chart below to compare losses from any high point for PMTIX and AAAMX.
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Drawdown Indicators
| PMTIX | AAAMX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.14% | -19.03% | -33.11% |
Max Drawdown (1Y)Largest decline over 1 year | -5.85% | -4.72% | -1.13% |
Max Drawdown (3Y)Largest decline over 3 years | -9.62% | -6.33% | -3.29% |
Max Drawdown (5Y)Largest decline over 5 years | -23.05% | -19.03% | -4.02% |
Max Drawdown (10Y)Largest decline over 10 years | -25.87% | — | — |
Current DrawdownCurrent decline from peak | -0.79% | -0.36% | -0.43% |
Average DrawdownAverage peak-to-trough decline | -6.75% | -4.71% | -2.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.38% | 1.09% | +0.29% |
Volatility
PMTIX vs. AAAMX - Volatility Comparison
Principal LifeTime 2030 Fund (PMTIX) has a higher volatility of 2.24% compared to American Century One Choice Blend+ 2020 Portfolio (AAAMX) at 1.57%. This indicates that PMTIX's price experiences larger fluctuations and is considered to be riskier than AAAMX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PMTIX | AAAMX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.24% | 1.57% | +0.67% |
Volatility (6M)Calculated over the trailing 6-month period | 6.89% | 4.81% | +2.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.27% | 5.81% | +2.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.62% | 7.72% | +2.90% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.15% | 7.55% | +3.60% |
PMTIX vs. AAAMX - Expense Ratio Comparison
PMTIX has a 0.01% expense ratio, which is lower than AAAMX's 0.57% expense ratio.
Dividends
PMTIX vs. AAAMX - Dividend Comparison
PMTIX's dividend yield for the trailing twelve months is around 9.22%, more than AAAMX's 2.92% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AAAMX American Century One Choice Blend+ 2020 Portfolio | 2.92% | 5.13% | 3.20% | 2.10% | 2.85% | 2.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
PMTIX Principal LifeTime 2030 Fund | 9.22% | 9.69% | 9.60% | 4.26% | 10.05% | 8.87% | 6.37% | 6.49% | 8.21% | 5.87% | 3.97% | 9.44% |
Frequently Asked Questions
With a correlation of 0.96, PMTIX and AAAMX 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.
PMTIX has higher volatility (2.24%) compared to AAAMX (1.57%). In terms of maximum drawdown, PMTIX dropped -52.14% vs AAAMX's -19.03%.
AAAMX currently has the higher Sharpe Ratio (1.69 vs 1.28), 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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