RFDTX vs. LTIUX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Principal LifeTime 2035 Fund (LTIUX).
RFDTX is a passively managed fund by American Funds that tracks the performance of the S&P Target Date 2025 Index. It was launched on Feb 1, 2007. LTIUX is managed by Principal. It was launched on Feb 28, 2008.
Performance
RFDTX vs. LTIUX - Performance Comparison
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RFDTX vs. LTIUX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | -0.62% | 14.54% | 9.35% | 11.95% | -12.73% | 11.49% | 13.68% | 17.83% | -3.46% | 15.33% |
LTIUX Principal LifeTime 2035 Fund | -1.66% | 14.26% | 14.13% | 16.51% | -17.48% | 14.07% | 15.70% | 23.48% | -7.37% | 19.69% |
Returns By Period
In the year-to-date period, RFDTX achieves a -0.62% return, which is significantly higher than LTIUX's -1.66% return. Over the past 10 years, RFDTX has underperformed LTIUX with an annualized return of 7.86%, while LTIUX has yielded a comparatively higher 8.91% annualized return.
RFDTX
- 1D
- 1.26%
- 1M
- -3.54%
- YTD
- -0.62%
- 6M
- 1.17%
- 1Y
- 11.26%
- 3Y*
- 10.35%
- 5Y*
- 5.61%
- 10Y*
- 7.86%
LTIUX
- 1D
- 2.11%
- 1M
- -3.97%
- YTD
- -1.66%
- 6M
- -0.15%
- 1Y
- 11.84%
- 3Y*
- 12.40%
- 5Y*
- 6.02%
- 10Y*
- 8.91%
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RFDTX vs. LTIUX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is higher than LTIUX's 0.01% expense ratio.
Return for Risk
RFDTX vs. LTIUX — Risk / Return Rank
RFDTX
LTIUX
RFDTX vs. LTIUX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2025 Target Date Retirement Income R6 (RFDTX) 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.
| RFDTX | LTIUX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.57 | 1.08 | +0.49 |
Sortino ratioReturn per unit of downside risk | 2.24 | 1.61 | +0.63 |
Omega ratioGain probability vs. loss probability | 1.33 | 1.23 | +0.10 |
Calmar ratioReturn relative to maximum drawdown | 2.19 | 1.46 | +0.74 |
Martin ratioReturn relative to average drawdown | 8.98 | 6.81 | +2.17 |
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
| RFDTX | LTIUX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.57 | 1.08 | +0.49 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.69 | 0.51 | +0.18 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.88 | 0.72 | +0.17 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.81 | 0.45 | +0.36 |
Correlation
The correlation between RFDTX and LTIUX 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
RFDTX vs. LTIUX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.71%, less than LTIUX's 9.18% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | 7.71% | 7.67% | 5.50% | 3.37% | 4.30% | 6.54% | 3.87% | 4.00% | 4.40% | 2.67% | 3.44% | 6.14% |
LTIUX Principal LifeTime 2035 Fund | 9.18% | 9.03% | 9.46% | 4.17% | 7.50% | 7.06% | 5.35% | 7.28% | 7.75% | 5.46% | 4.28% | 5.59% |
Drawdowns
RFDTX vs. LTIUX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum LTIUX drawdown of -49.65%. Use the drawdown chart below to compare losses from any high point for RFDTX and LTIUX.
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Drawdown Indicators
| RFDTX | LTIUX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -49.65% | +30.49% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -8.44% | +3.04% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -24.23% | +5.43% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -28.12% | +8.96% |
Current DrawdownCurrent decline from peak | -3.95% | -4.60% | +0.65% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -6.76% | +3.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.32% | 1.80% | -0.48% |
Volatility
RFDTX vs. LTIUX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Income R6 (RFDTX) is 2.94%, while Principal LifeTime 2035 Fund (LTIUX) has a volatility of 4.44%. This indicates that RFDTX 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
| RFDTX | LTIUX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.94% | 4.44% | -1.50% |
Volatility (6M)Calculated over the trailing 6-month period | 4.61% | 6.70% | -2.09% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.41% | 11.29% | -3.88% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.18% | 11.83% | -3.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.93% | 12.47% | -3.54% |