PRTLX vs. LTRIX
Compare and contrast key facts about Putnam RetirementReady 2055 Fund (PRTLX) and Principal LifeTime 2045 Fund (LTRIX).
PRTLX is managed by Putnam. It was launched on Nov 29, 2010. LTRIX is managed by Principal. It was launched on Feb 28, 2008.
Performance
PRTLX vs. LTRIX - Performance Comparison
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PRTLX vs. LTRIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PRTLX Putnam RetirementReady 2055 Fund | -7.18% | 13.42% | 15.59% | 22.31% | -15.71% | 17.39% | 14.17% | 20.75% | -9.44% | 20.69% |
LTRIX Principal LifeTime 2045 Fund | -4.72% | 16.69% | 16.90% | 19.40% | -18.51% | 16.55% | 16.33% | 25.81% | -8.34% | 21.38% |
Returns By Period
In the year-to-date period, PRTLX achieves a -7.18% return, which is significantly lower than LTRIX's -4.72% return. Over the past 10 years, PRTLX has underperformed LTRIX with an annualized return of 9.19%, while LTRIX has yielded a comparatively higher 9.79% annualized return.
PRTLX
- 1D
- -0.29%
- 1M
- -7.30%
- YTD
- -7.18%
- 6M
- -5.06%
- 1Y
- 9.76%
- 3Y*
- 11.87%
- 5Y*
- 7.08%
- 10Y*
- 9.19%
LTRIX
- 1D
- -0.21%
- 1M
- -7.69%
- YTD
- -4.72%
- 6M
- -2.65%
- 1Y
- 11.72%
- 3Y*
- 13.58%
- 5Y*
- 7.05%
- 10Y*
- 9.79%
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PRTLX vs. LTRIX - Expense Ratio Comparison
PRTLX has a 0.03% expense ratio, which is higher than LTRIX'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%.
Return for Risk
PRTLX vs. LTRIX — Risk / Return Rank
PRTLX
LTRIX
PRTLX vs. LTRIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Putnam RetirementReady 2055 Fund (PRTLX) and Principal LifeTime 2045 Fund (LTRIX). 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.
| PRTLX | LTRIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.69 | 0.83 | -0.14 |
Sortino ratioReturn per unit of downside risk | 0.98 | 1.27 | -0.28 |
Omega ratioGain probability vs. loss probability | 1.14 | 1.18 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | 0.69 | 0.96 | -0.27 |
Martin ratioReturn relative to average drawdown | 3.12 | 4.66 | -1.54 |
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
| PRTLX | LTRIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.69 | 0.83 | -0.14 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.51 | 0.49 | +0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.63 | 0.66 | -0.03 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.52 | 0.44 | +0.08 |
Correlation
The correlation between PRTLX and LTRIX is 0.96, 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
PRTLX vs. LTRIX - Dividend Comparison
PRTLX's dividend yield for the trailing twelve months is around 1.81%, less than LTRIX's 9.77% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PRTLX Putnam RetirementReady 2055 Fund | 1.81% | 1.68% | 1.20% | 1.60% | 10.10% | 12.83% | 1.09% | 7.44% | 15.18% | 5.47% | 1.14% | 9.07% |
LTRIX Principal LifeTime 2045 Fund | 9.77% | 9.31% | 9.40% | 4.25% | 8.71% | 6.75% | 4.62% | 6.93% | 7.50% | 4.57% | 4.48% | 5.42% |
Drawdowns
PRTLX vs. LTRIX - Drawdown Comparison
The maximum PRTLX drawdown since its inception was -28.52%, smaller than the maximum LTRIX drawdown of -51.39%. Use the drawdown chart below to compare losses from any high point for PRTLX and LTRIX.
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Drawdown Indicators
| PRTLX | LTRIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -28.52% | -51.39% | +22.87% |
Max Drawdown (1Y)Largest decline over 1 year | -11.53% | -10.65% | -0.88% |
Max Drawdown (5Y)Largest decline over 5 years | -21.71% | -26.25% | +4.54% |
Max Drawdown (10Y)Largest decline over 10 years | -28.52% | -31.56% | +3.04% |
Current DrawdownCurrent decline from peak | -8.87% | -8.04% | -0.83% |
Average DrawdownAverage peak-to-trough decline | -5.62% | -7.26% | +1.64% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.54% | 2.20% | +0.34% |
Volatility
PRTLX vs. LTRIX - Volatility Comparison
The current volatility for Putnam RetirementReady 2055 Fund (PRTLX) is 4.27%, while Principal LifeTime 2045 Fund (LTRIX) has a volatility of 4.53%. This indicates that PRTLX experiences smaller price fluctuations and is considered to be less risky than LTRIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PRTLX | LTRIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.27% | 4.53% | -0.26% |
Volatility (6M)Calculated over the trailing 6-month period | 8.39% | 8.04% | +0.35% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.07% | 14.30% | -0.23% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.89% | 14.52% | -0.63% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.55% | 14.77% | -0.22% |