PTDIX vs. LIRKX
Compare and contrast key facts about Principal LifeTime 2040 Fund (PTDIX) and BlackRock LifePath Index Retirement Fund (LIRKX).
PTDIX is managed by Principal. It was launched on Feb 28, 2001. LIRKX is a passively managed fund by BlackRock that tracks the performance of the BlackRock LifePath Index Retirement Custom Benchmark (USD). It was launched on May 31, 2011.
Performance
PTDIX vs. LIRKX - Performance Comparison
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PTDIX vs. LIRKX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PTDIX Principal LifeTime 2040 Fund | -4.20% | 15.59% | 17.43% | 18.33% | -18.13% | 15.35% | 16.04% | 24.91% | -7.95% | 20.69% |
LIRKX BlackRock LifePath Index Retirement Fund | -0.94% | 12.48% | 6.08% | 11.48% | -15.21% | 6.75% | 11.46% | 15.90% | -3.50% | 10.75% |
Returns By Period
In the year-to-date period, PTDIX achieves a -4.20% return, which is significantly lower than LIRKX's -0.94% return. Over the past 10 years, PTDIX has outperformed LIRKX with an annualized return of 9.48%, while LIRKX has yielded a comparatively lower 5.48% annualized return.
PTDIX
- 1D
- -0.13%
- 1M
- -7.05%
- YTD
- -4.20%
- 6M
- -2.23%
- 1Y
- 11.01%
- 3Y*
- 13.35%
- 5Y*
- 6.84%
- 10Y*
- 9.48%
LIRKX
- 1D
- 0.27%
- 1M
- -3.97%
- YTD
- -0.94%
- 6M
- 0.79%
- 1Y
- 9.74%
- 3Y*
- 8.00%
- 5Y*
- 3.49%
- 10Y*
- 5.48%
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PTDIX vs. LIRKX - Expense Ratio Comparison
PTDIX has a 0.01% expense ratio, which is lower than LIRKX's 0.09% 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%.
Return for Risk
PTDIX vs. LIRKX — Risk / Return Rank
PTDIX
LIRKX
PTDIX vs. LIRKX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2040 Fund (PTDIX) and BlackRock LifePath Index Retirement Fund (LIRKX). 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.
| PTDIX | LIRKX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.86 | 1.43 | -0.57 |
Sortino ratioReturn per unit of downside risk | 1.30 | 2.03 | -0.73 |
Omega ratioGain probability vs. loss probability | 1.18 | 1.30 | -0.12 |
Calmar ratioReturn relative to maximum drawdown | 1.00 | 1.84 | -0.83 |
Martin ratioReturn relative to average drawdown | 4.85 | 8.49 | -3.63 |
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
| PTDIX | LIRKX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.86 | 1.43 | -0.57 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.51 | 0.45 | +0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.69 | 0.74 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.45 | 0.74 | -0.29 |
Correlation
The correlation between PTDIX and LIRKX is 0.90, 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
PTDIX vs. LIRKX - Dividend Comparison
PTDIX's dividend yield for the trailing twelve months is around 10.23%, more than LIRKX's 3.93% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PTDIX Principal LifeTime 2040 Fund | 10.23% | 9.80% | 12.28% | 4.40% | 8.61% | 8.92% | 6.01% | 7.26% | 9.28% | 6.07% | 4.86% | 6.73% |
LIRKX BlackRock LifePath Index Retirement Fund | 3.93% | 3.89% | 2.06% | 2.67% | 2.75% | 2.74% | 1.98% | 2.48% | 2.50% | 2.28% | 2.53% | 2.98% |
Drawdowns
PTDIX vs. LIRKX - Drawdown Comparison
The maximum PTDIX drawdown since its inception was -54.38%, which is greater than LIRKX's maximum drawdown of -20.46%. Use the drawdown chart below to compare losses from any high point for PTDIX and LIRKX.
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Drawdown Indicators
| PTDIX | LIRKX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -54.38% | -20.46% | -33.92% |
Max Drawdown (1Y)Largest decline over 1 year | -9.72% | -5.27% | -4.45% |
Max Drawdown (5Y)Largest decline over 5 years | -25.43% | -20.46% | -4.97% |
Max Drawdown (10Y)Largest decline over 10 years | -30.02% | -20.46% | -9.56% |
Current DrawdownCurrent decline from peak | -7.32% | -3.97% | -3.35% |
Average DrawdownAverage peak-to-trough decline | -7.54% | -2.86% | -4.68% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.01% | 1.14% | +0.87% |
Volatility
PTDIX vs. LIRKX - Volatility Comparison
Principal LifeTime 2040 Fund (PTDIX) has a higher volatility of 4.17% compared to BlackRock LifePath Index Retirement Fund (LIRKX) at 2.48%. This indicates that PTDIX's price experiences larger fluctuations and is considered to be riskier than LIRKX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PTDIX | LIRKX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.17% | 2.48% | +1.69% |
Volatility (6M)Calculated over the trailing 6-month period | 7.34% | 3.97% | +3.37% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.99% | 7.03% | +5.96% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.44% | 7.78% | +5.66% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.79% | 7.47% | +6.32% |