PRRTX vs. LTIUX
PRRTX (Putnam RetirementReady 2030 Fund) and LTIUX (Principal LifeTime 2035 Fund) are both Target Retirement Date funds. Over the past 10 years, PRRTX returned 6.03%/yr vs 9.56%/yr for LTIUX. Their correlation of 0.94 suggests significant overlap in exposure. PRRTX charges 0.11%/yr vs 0.01%/yr for LTIUX.
Performance
PRRTX vs. LTIUX - Performance Comparison
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Returns By Period
In the year-to-date period, PRRTX achieves a 2.83% return, which is significantly lower than LTIUX's 5.95% return. Over the past 10 years, PRRTX has underperformed LTIUX with an annualized return of 6.03%, while LTIUX has yielded a comparatively higher 9.56% annualized return.
PRRTX
- 1D
- 0.04%
- 1M
- 0.11%
- 6M
- 2.67%
- YTD
- 2.83%
- 1Y
- 7.20%
- 3Y*
- 9.04%
- 5Y*
- 4.98%
- 10Y*
- 6.03%
LTIUX
- 1D
- 0.21%
- 1M
- -0.07%
- 6M
- 5.31%
- YTD
- 5.95%
- 1Y
- 12.21%
- 3Y*
- 13.66%
- 5Y*
- 6.48%
- 10Y*
- 9.56%
PRRTX vs. LTIUX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PRRTX Putnam RetirementReady 2030 Fund | 2.83% | 8.59% | 6.18% | 15.42% | -7.91% | 6.89% | 5.46% | 13.40% | -6.22% | 13.50% |
LTIUX Principal LifeTime 2035 Fund | 5.95% | 14.26% | 14.13% | 16.51% | -17.48% | 14.07% | 15.70% | 23.48% | -7.37% | 19.69% |
Correlation
The correlation between PRRTX and LTIUX is 0.94, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.94 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.92 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.93 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.93 |
Correlation (All Time) Calculated using the full available price history since Aug 3, 2012 | 0.94 |
The correlation between PRRTX and LTIUX has been stable across timeframes, ranging from 0.92 to 0.94 - a consistent structural relationship.
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Return for Risk
PRRTX vs. LTIUX — Risk / Return Rank
PRRTX
LTIUX
PRRTX vs. LTIUX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Putnam RetirementReady 2030 Fund (PRRTX) and Principal LifeTime 2035 Fund (LTIUX). 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.
| PRRTX | LTIUX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.06 | ||
| Sortino ratioReturn per unit of downside risk | -0.04 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.26 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 1.83 | 1.94 | -0.11 |
| Martin ratioReturn relative to average drawdown | 7.44 | 8.41 | -0.96 |
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Drawdowns
PRRTX vs. LTIUX - Drawdown Comparison
The maximum PRRTX drawdown since its inception was -16.59%, smaller than the maximum LTIUX drawdown of -49.65%. Use the drawdown chart below to compare losses from any high point for PRRTX and LTIUX.
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Drawdown Indicators
| PRRTX | LTIUX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -16.59% | -49.65% | +33.06% |
Max Drawdown (1Y)Largest decline over 1 year | -4.07% | -6.57% | +2.50% |
Max Drawdown (3Y)Largest decline over 3 years | -9.20% | -11.08% | +1.88% |
Max Drawdown (5Y)Largest decline over 5 years | -11.71% | -24.23% | +12.52% |
Max Drawdown (10Y)Largest decline over 10 years | -16.59% | -28.12% | +11.53% |
Current DrawdownCurrent decline from peak | -0.37% | -0.71% | +0.34% |
Average DrawdownAverage peak-to-trough decline | -2.26% | -6.68% | +4.42% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.00% | 1.51% | -0.51% |
Volatility
PRRTX vs. LTIUX - Volatility Comparison
The current volatility for Putnam RetirementReady 2030 Fund (PRRTX) is 2.27%, while Principal LifeTime 2035 Fund (LTIUX) has a volatility of 3.63%. This indicates that PRRTX experiences smaller price fluctuations and is considered to be less risky than LTIUX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PRRTX | LTIUX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.27% | 3.63% | -1.36% |
Volatility (6M)Calculated over the trailing 6-month period | 4.51% | 7.64% | -3.13% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.58% | 9.12% | -3.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.18% | 11.91% | -4.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.24% | 12.42% | -5.18% |
PRRTX vs. LTIUX - Expense Ratio Comparison
PRRTX has a 0.11% expense ratio, which is higher than LTIUX's 0.01% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
PRRTX vs. LTIUX - Dividend Comparison
PRRTX's dividend yield for the trailing twelve months is around 2.08%, less than LTIUX's 8.52% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTIUX Principal LifeTime 2035 Fund | 8.52% | 9.03% | 9.46% | 4.17% | 7.50% | 7.06% | 5.35% | 7.28% | 7.75% | 5.46% | 4.28% | 5.59% |
PRRTX Putnam RetirementReady 2030 Fund | 2.08% | 2.14% | 2.57% | 2.66% | 10.69% | 8.38% | 1.54% | 3.76% | 7.57% | 2.95% | 0.73% | 2.72% |
Frequently Asked Questions
With a correlation of 0.94, PRRTX and LTIUX 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.
LTIUX has higher volatility (3.63%) compared to PRRTX (2.27%). In terms of maximum drawdown, PRRTX dropped -16.59% vs LTIUX's -49.65%.
LTIUX currently has the higher Sharpe Ratio (1.40 vs 1.34), 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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