PPLIX vs. URTRX
PPLIX (Principal LifeTime 2050 Fund) and URTRX (USAA Target Retirement 2030 Fund) are both Target Retirement Date funds. Over the past 10 years, PPLIX returned 11.26%/yr vs 7.71%/yr for URTRX. Their 0.96 correlation means they have historically moved very closely together. PPLIX charges 0.01%/yr vs 0.03%/yr for URTRX.
Performance
PPLIX vs. URTRX - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with PPLIX having a 8.51% return and URTRX slightly lower at 8.39%. Over the past 10 years, PPLIX has outperformed URTRX with an annualized return of 11.26%, while URTRX has yielded a comparatively lower 7.71% annualized return.
PPLIX
- 1D
- 1.66%
- 1M
- 0.41%
- 6M
- 5.71%
- YTD
- 8.51%
- 1Y
- 17.70%
- 3Y*
- 16.52%
- 5Y*
- 8.96%
- 10Y*
- 11.26%
- ALL TIME*
- 7.57%
URTRX
- 1D
- 0.84%
- 1M
- 0.35%
- 6M
- 6.07%
- YTD
- 8.39%
- 1Y
- 15.94%
- 3Y*
- 11.77%
- 5Y*
- 6.43%
- 10Y*
- 7.71%
- ALL TIME*
- 7.07%
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 |
PPLIX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PPLIX Principal LifeTime 2050 Fund | 8.51% | 17.55% | 19.12% | 20.36% | -18.78% | 17.04% | 16.56% | 26.67% | -8.74% | 22.12% |
URTRX USAA Target Retirement 2030 Fund | 8.39% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
Correlation
The correlation between PPLIX and URTRX 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. | 0.95 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.95 |
Correlation (All Time) Calculated using the full available price history since Jul 31, 2008 | 0.96 |
The correlation between PPLIX and URTRX has been stable across timeframes, ranging from 0.93 to 0.96 - a consistent structural relationship.
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Return for Risk
PPLIX vs. URTRX — Risk / Return Rank
PPLIX
URTRX
PPLIX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2050 Fund (PPLIX) and USAA Target Retirement 2030 Fund (URTRX). 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.
| PPLIX | URTRX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.72 | ||
| Sortino ratioReturn per unit of downside risk | -1.03 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.37 | -0.14 |
| Calmar ratioReturn relative to maximum drawdown | 1.83 | 2.90 | -1.07 |
| Martin ratioReturn relative to average drawdown | 7.85 | 12.19 | -4.34 |
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Drawdowns
PPLIX vs. URTRX - Drawdown Comparison
The maximum PPLIX drawdown since its inception was -55.61%, which is greater than URTRX's maximum drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for PPLIX and URTRX.
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Drawdown Indicators
| PPLIX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.61% | -34.10% | -21.51% |
Max Drawdown (1Y)Largest decline over 1 year | -8.57% | -5.29% | -3.28% |
Max Drawdown (3Y)Largest decline over 3 years | -15.59% | -9.12% | -6.47% |
Max Drawdown (5Y)Largest decline over 5 years | -26.85% | -19.52% | -7.33% |
Max Drawdown (10Y)Largest decline over 10 years | -32.67% | -23.56% | -9.11% |
Current DrawdownCurrent decline from peak | -0.86% | -0.28% | -0.58% |
Average DrawdownAverage peak-to-trough decline | -8.26% | -4.12% | -4.14% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.00% | 1.25% | +0.75% |
Volatility
PPLIX vs. URTRX - Volatility Comparison
Principal LifeTime 2050 Fund (PPLIX) has a higher volatility of 3.39% compared to USAA Target Retirement 2030 Fund (URTRX) at 2.00%. This indicates that PPLIX's price experiences larger fluctuations and is considered to be riskier than URTRX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PPLIX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.39% | 2.00% | +1.39% |
Volatility (6M)Calculated over the trailing 6-month period | 10.35% | 6.61% | +3.74% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.57% | 7.81% | +4.76% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.60% | 9.76% | +5.84% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.55% | 10.31% | +5.24% |
PPLIX vs. URTRX - Expense Ratio Comparison
PPLIX has a 0.01% expense ratio, which is lower than URTRX'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%.
Dividends
PPLIX vs. URTRX - Dividend Comparison
PPLIX's dividend yield for the trailing twelve months is around 9.17%, more than URTRX's 6.25% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PPLIX Principal LifeTime 2050 Fund | 9.17% | 9.95% | 11.56% | 4.41% | 9.40% | 8.04% | 5.23% | 7.16% | 8.64% | 5.12% | 4.82% | 6.07% |
URTRX USAA Target Retirement 2030 Fund | 6.25% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Frequently Asked Questions
With a correlation of 0.96, PPLIX and URTRX 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.
PPLIX has higher volatility (3.39%) compared to URTRX (2.00%). In terms of maximum drawdown, PPLIX dropped -55.61% vs URTRX's -34.10%.
URTRX currently has the higher Sharpe Ratio (1.96 vs 1.25), 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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