PMTIX vs. RFGTX
Compare and contrast key facts about Principal LifeTime 2030 Fund (PMTIX) and American Funds 2040 Target Date Retirement Fund Class R6 (RFGTX).
PMTIX is managed by Principal. It was launched on Feb 28, 2001. RFGTX is an actively managed fund by American Funds. It was launched on Feb 1, 2007.
Performance
PMTIX vs. RFGTX - Performance Comparison
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PMTIX vs. RFGTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PMTIX Principal LifeTime 2030 Fund | -3.15% | 13.25% | 12.86% | 15.11% | -16.81% | 12.70% | 14.71% | 22.40% | -7.45% | 18.41% |
RFGTX American Funds 2040 Target Date Retirement Fund Class R6 | -4.71% | 19.52% | 14.80% | 19.33% | -17.53% | 16.88% | 18.79% | 24.37% | -5.51% | 21.98% |
Returns By Period
In the year-to-date period, PMTIX achieves a -3.15% return, which is significantly higher than RFGTX's -4.71% return. Over the past 10 years, PMTIX has underperformed RFGTX with an annualized return of 8.05%, while RFGTX has yielded a comparatively higher 10.65% annualized return.
PMTIX
- 1D
- 0.00%
- 1M
- -5.66%
- YTD
- -3.15%
- 6M
- -1.49%
- 1Y
- 9.21%
- 3Y*
- 10.71%
- 5Y*
- 5.31%
- 10Y*
- 8.05%
RFGTX
- 1D
- -0.23%
- 1M
- -8.12%
- YTD
- -4.71%
- 6M
- -1.86%
- 1Y
- 14.78%
- 3Y*
- 13.87%
- 5Y*
- 7.66%
- 10Y*
- 10.65%
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PMTIX vs. RFGTX - Expense Ratio Comparison
PMTIX has a 0.01% expense ratio, which is lower than RFGTX's 0.36% expense ratio.
Return for Risk
PMTIX vs. RFGTX — Risk / Return Rank
PMTIX
RFGTX
PMTIX vs. RFGTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2030 Fund (PMTIX) and American Funds 2040 Target Date Retirement Fund Class R6 (RFGTX). 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.
| PMTIX | RFGTX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.95 | 1.12 | -0.17 |
Sortino ratioReturn per unit of downside risk | 1.41 | 1.67 | -0.27 |
Omega ratioGain probability vs. loss probability | 1.20 | 1.24 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.12 | 1.43 | -0.31 |
Martin ratioReturn relative to average drawdown | 5.30 | 6.45 | -1.15 |
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
| PMTIX | RFGTX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.95 | 1.12 | -0.17 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.51 | 0.58 | -0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.72 | 0.76 | -0.04 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.47 | 0.73 | -0.26 |
Correlation
The correlation between PMTIX and RFGTX is 0.97, 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
PMTIX vs. RFGTX - Dividend Comparison
PMTIX's dividend yield for the trailing twelve months is around 10.01%, more than RFGTX's 6.52% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PMTIX Principal LifeTime 2030 Fund | 10.01% | 9.69% | 9.60% | 4.26% | 10.05% | 8.87% | 6.37% | 6.49% | 8.21% | 5.87% | 3.97% | 9.44% |
RFGTX American Funds 2040 Target Date Retirement Fund Class R6 | 6.52% | 6.22% | 3.80% | 2.81% | 6.71% | 5.22% | 3.53% | 4.59% | 5.29% | 2.70% | 3.88% | 5.43% |
Drawdowns
PMTIX vs. RFGTX - Drawdown Comparison
The maximum PMTIX drawdown since its inception was -52.14%, which is greater than RFGTX's maximum drawdown of -28.52%. Use the drawdown chart below to compare losses from any high point for PMTIX and RFGTX.
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Drawdown Indicators
| PMTIX | RFGTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -52.14% | -28.52% | -23.62% |
Max Drawdown (1Y)Largest decline over 1 year | -7.49% | -9.23% | +1.74% |
Max Drawdown (5Y)Largest decline over 5 years | -23.05% | -24.85% | +1.80% |
Max Drawdown (10Y)Largest decline over 10 years | -25.87% | -28.52% | +2.65% |
Current DrawdownCurrent decline from peak | -5.85% | -8.39% | +2.54% |
Average DrawdownAverage peak-to-trough decline | -6.83% | -3.94% | -2.89% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.59% | 2.05% | -0.46% |
Volatility
PMTIX vs. RFGTX - Volatility Comparison
The current volatility for Principal LifeTime 2030 Fund (PMTIX) is 3.33%, while American Funds 2040 Target Date Retirement Fund Class R6 (RFGTX) has a volatility of 3.97%. This indicates that PMTIX experiences smaller price fluctuations and is considered to be less risky than RFGTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PMTIX | RFGTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.33% | 3.97% | -0.64% |
Volatility (6M)Calculated over the trailing 6-month period | 5.61% | 7.76% | -2.15% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.78% | 13.24% | -3.46% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.53% | 13.20% | -2.67% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.19% | 14.05% | -2.86% |