RFDTX vs. PLTZX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Principal LifeTime 2060 Fund (PLTZX).
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. PLTZX is managed by Principal. It was launched on Feb 28, 2013.
Performance
RFDTX vs. PLTZX - Performance Comparison
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RFDTX vs. PLTZX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | -1.86% | 14.54% | 9.35% | 11.95% | -12.73% | 11.49% | 13.68% | 17.83% | -3.46% | 15.33% |
PLTZX Principal LifeTime 2060 Fund | -5.21% | 17.76% | 16.89% | 20.36% | -18.81% | 18.12% | 16.60% | 27.54% | -9.24% | 22.68% |
Returns By Period
In the year-to-date period, RFDTX achieves a -1.86% return, which is significantly higher than PLTZX's -5.21% return. Over the past 10 years, RFDTX has underperformed PLTZX with an annualized return of 7.72%, while PLTZX has yielded a comparatively higher 10.23% annualized return.
RFDTX
- 1D
- 0.19%
- 1M
- -5.14%
- YTD
- -1.86%
- 6M
- 0.26%
- 1Y
- 10.23%
- 3Y*
- 9.89%
- 5Y*
- 5.51%
- 10Y*
- 7.72%
PLTZX
- 1D
- -0.28%
- 1M
- -8.28%
- YTD
- -5.21%
- 6M
- -2.98%
- 1Y
- 12.54%
- 3Y*
- 13.98%
- 5Y*
- 7.39%
- 10Y*
- 10.23%
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RFDTX vs. PLTZX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is higher than PLTZX's 0.01% expense ratio.
Return for Risk
RFDTX vs. PLTZX — Risk / Return Rank
RFDTX
PLTZX
RFDTX vs. PLTZX - 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 2060 Fund (PLTZX). 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 | PLTZX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.43 | 0.81 | +0.63 |
Sortino ratioReturn per unit of downside risk | 2.03 | 1.24 | +0.78 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.18 | +0.12 |
Calmar ratioReturn relative to maximum drawdown | 1.84 | 0.94 | +0.90 |
Martin ratioReturn relative to average drawdown | 7.68 | 4.59 | +3.10 |
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 | PLTZX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.43 | 0.81 | +0.63 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.68 | 0.48 | +0.20 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.64 | +0.22 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.80 | 0.63 | +0.17 |
Correlation
The correlation between RFDTX and PLTZX is 0.94, 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. PLTZX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.81%, less than PLTZX's 8.79% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RFDTX American Funds 2025 Target Date Retirement Income R6 | 7.81% | 7.67% | 5.50% | 3.37% | 4.30% | 6.54% | 3.87% | 4.00% | 4.40% | 2.67% | 3.44% | 6.14% |
PLTZX Principal LifeTime 2060 Fund | 8.79% | 8.33% | 7.85% | 4.12% | 8.44% | 5.29% | 3.60% | 5.86% | 5.75% | 2.73% | 3.48% | 3.29% |
Drawdowns
RFDTX vs. PLTZX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum PLTZX drawdown of -34.01%. Use the drawdown chart below to compare losses from any high point for RFDTX and PLTZX.
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Drawdown Indicators
| RFDTX | PLTZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -34.01% | +14.85% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -11.51% | +6.11% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -26.79% | +7.99% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -34.01% | +14.85% |
Current DrawdownCurrent decline from peak | -5.14% | -8.70% | +3.56% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -4.67% | +1.78% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 2.35% | -1.06% |
Volatility
RFDTX vs. PLTZX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Income R6 (RFDTX) is 2.54%, while Principal LifeTime 2060 Fund (PLTZX) has a volatility of 4.98%. This indicates that RFDTX experiences smaller price fluctuations and is considered to be less risky than PLTZX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFDTX | PLTZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 4.98% | -2.44% |
Volatility (6M)Calculated over the trailing 6-month period | 4.44% | 8.88% | -4.44% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.33% | 15.74% | -8.41% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.17% | 15.38% | -7.21% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.92% | 15.93% | -7.01% |