PTDIX vs. PLGIX
PTDIX (Principal LifeTime 2040 Fund) and PLGIX (Principal LargeCap Growth Fund I) are both mutual funds - PTDIX is a Target Retirement Date fund managed by Principal, while PLGIX is a Large Cap Growth Equities fund managed by Principal. Over the past 10 years, PTDIX returned 10.60%/yr vs 19.99%/yr for PLGIX. Their correlation of 0.91 suggests significant overlap in exposure. PTDIX charges 0.01%/yr vs 0.67%/yr for PLGIX.
Performance
PTDIX vs. PLGIX - Performance Comparison
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Returns By Period
In the year-to-date period, PTDIX achieves a 7.32% return, which is significantly higher than PLGIX's 2.25% return. Over the past 10 years, PTDIX has underperformed PLGIX with an annualized return of 10.60%, while PLGIX has yielded a comparatively higher 19.99% annualized return.
PTDIX
- 1D
- 1.02%
- 1M
- 1.53%
- YTD
- 7.32%
- 6M
- 7.21%
- 1Y
- 18.66%
- 3Y*
- 16.00%
- 5Y*
- 8.36%
- 10Y*
- 10.60%
PLGIX
- 1D
- 1.42%
- 1M
- -0.49%
- YTD
- 2.25%
- 6M
- 1.93%
- 1Y
- 11.85%
- 3Y*
- 32.62%
- 5Y*
- 16.13%
- 10Y*
- 19.99%
PTDIX vs. PLGIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PTDIX Principal LifeTime 2040 Fund | 7.32% | 15.59% | 17.43% | 18.33% | -18.13% | 15.35% | 16.04% | 24.91% | -7.95% | 20.69% |
PLGIX Principal LargeCap Growth Fund I | 2.25% | 11.59% | 83.01% | 40.40% | -34.05% | 21.49% | 36.06% | 34.89% | 3.44% | 33.67% |
Correlation
The correlation between PTDIX and PLGIX is 0.84, 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 | 0.84 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.84 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.88 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.88 |
Correlation (All Time) Calculated using the full available price history since Mar 2, 2001 | 0.91 |
The correlation between PTDIX and PLGIX has been stable across timeframes, ranging from 0.84 to 0.91 - a consistent structural relationship.
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Return for Risk
PTDIX vs. PLGIX — Risk / Return Rank
PTDIX
PLGIX
PTDIX vs. PLGIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Principal LifeTime 2040 Fund (PTDIX) and Principal LargeCap Growth Fund I (PLGIX). 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.
| PTDIX | PLGIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.07 | ||
| Sortino ratioReturn per unit of downside risk | +1.45 | ||
| Omega ratioGain probability vs. loss probability | 1.33 | 1.13 | +0.20 |
| Calmar ratioReturn relative to maximum drawdown | 2.52 | 0.62 | +1.90 |
| Martin ratioReturn relative to average drawdown | 10.99 | 1.91 | +9.08 |
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Drawdowns
PTDIX vs. PLGIX - Drawdown Comparison
The maximum PTDIX drawdown since its inception was -54.38%, roughly equal to the maximum PLGIX drawdown of -55.43%. Use the drawdown chart below to compare losses from any high point for PTDIX and PLGIX.
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Drawdown Indicators
| PTDIX | PLGIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -54.38% | -55.43% | +1.05% |
Max Drawdown (1Y)Largest decline over 1 year | -7.32% | -18.32% | +11.00% |
Max Drawdown (3Y)Largest decline over 3 years | -13.05% | -21.39% | +8.34% |
Max Drawdown (5Y)Largest decline over 5 years | -25.43% | -40.63% | +15.20% |
Max Drawdown (10Y)Largest decline over 10 years | -30.02% | -40.63% | +10.61% |
Current DrawdownCurrent decline from peak | -0.45% | -3.93% | +3.48% |
Average DrawdownAverage peak-to-trough decline | -7.48% | -13.24% | +5.76% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.68% | 5.99% | -4.31% |
Volatility
PTDIX vs. PLGIX - Volatility Comparison
The current volatility for Principal LifeTime 2040 Fund (PTDIX) is 4.05%, while Principal LargeCap Growth Fund I (PLGIX) has a volatility of 6.21%. This indicates that PTDIX experiences smaller price fluctuations and is considered to be less risky than PLGIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| PTDIX | PLGIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.05% | 6.21% | -2.16% |
Volatility (6M)Calculated over the trailing 6-month period | 8.56% | 13.13% | -4.57% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.36% | 16.06% | -5.70% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 13.58% | 30.19% | -16.61% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.86% | 25.49% | -11.63% |
PTDIX vs. PLGIX - Expense Ratio Comparison
PTDIX has a 0.01% expense ratio, which is lower than PLGIX's 0.67% expense ratio.
Dividends
PTDIX vs. PLGIX - Dividend Comparison
PTDIX's dividend yield for the trailing twelve months is around 9.13%, less than PLGIX's 14.14% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLGIX Principal LargeCap Growth Fund I | 14.14% | 14.45% | 63.77% | 5.99% | 11.57% | 11.34% | 7.03% | 8.01% | 16.41% | 7.05% | 4.64% | 12.51% |
PTDIX Principal LifeTime 2040 Fund | 9.13% | 9.80% | 12.28% | 4.40% | 8.61% | 8.92% | 6.01% | 7.26% | 9.28% | 6.07% | 4.86% | 6.73% |
Frequently Asked Questions
PTDIX and PLGIX have a correlation of 0.84, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PLGIX has higher volatility (6.21%) compared to PTDIX (4.05%). In terms of maximum drawdown, PTDIX dropped -54.38% vs PLGIX's -55.43%.
PTDIX currently has the higher Sharpe Ratio (1.78 vs 0.71), 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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