RFDTX vs. PMTIX
Compare and contrast key facts about American Funds 2025 Target Date Retirement Income R6 (RFDTX) and Principal LifeTime 2030 Fund (PMTIX).
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. PMTIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
RFDTX vs. PMTIX - Performance Comparison
Loading graphics...
RFDTX vs. PMTIX - 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% |
PMTIX Principal LifeTime 2030 Fund | -3.15% | 13.25% | 12.86% | 15.11% | -16.81% | 12.70% | 14.71% | 22.40% | -7.45% | 18.41% |
Returns By Period
In the year-to-date period, RFDTX achieves a -1.86% return, which is significantly higher than PMTIX's -3.15% return. Both investments have delivered pretty close results over the past 10 years, with RFDTX having a 7.72% annualized return and PMTIX not far ahead at 8.05%.
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%
PMTIX
- 1D
- 0.00%
- 1M
- -5.66%
- YTD
- -3.15%
- 6M
- -1.49%
- 1Y
- 9.21%
- 3Y*
- 10.71%
- 5Y*
- 5.31%
- 10Y*
- 8.05%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
RFDTX vs. PMTIX - Expense Ratio Comparison
RFDTX has a 0.31% expense ratio, which is higher than PMTIX's 0.01% expense ratio.
Return for Risk
RFDTX vs. PMTIX — Risk / Return Rank
RFDTX
PMTIX
RFDTX vs. PMTIX - 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 2030 Fund (PMTIX). 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 | PMTIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.43 | 0.95 | +0.48 |
Sortino ratioReturn per unit of downside risk | 2.03 | 1.41 | +0.62 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.20 | +0.09 |
Calmar ratioReturn relative to maximum drawdown | 1.84 | 1.12 | +0.72 |
Martin ratioReturn relative to average drawdown | 7.68 | 5.30 | +2.39 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| RFDTX | PMTIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.43 | 0.95 | +0.48 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.68 | 0.51 | +0.17 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.87 | 0.72 | +0.15 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.80 | 0.47 | +0.33 |
Correlation
The correlation between RFDTX and PMTIX is 0.97, 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. PMTIX - Dividend Comparison
RFDTX's dividend yield for the trailing twelve months is around 7.81%, less than PMTIX's 10.01% 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% |
PMTIX Principal LifeTime 2030 Fund | 10.01% | 9.69% | 9.60% | 4.26% | 10.05% | 8.87% | 6.37% | 6.49% | 8.21% | 5.87% | 3.97% | 9.44% |
Drawdowns
RFDTX vs. PMTIX - Drawdown Comparison
The maximum RFDTX drawdown since its inception was -19.16%, smaller than the maximum PMTIX drawdown of -52.14%. Use the drawdown chart below to compare losses from any high point for RFDTX and PMTIX.
Loading graphics...
Drawdown Indicators
| RFDTX | PMTIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.16% | -52.14% | +32.98% |
Max Drawdown (1Y)Largest decline over 1 year | -5.40% | -7.49% | +2.09% |
Max Drawdown (5Y)Largest decline over 5 years | -18.80% | -23.05% | +4.25% |
Max Drawdown (10Y)Largest decline over 10 years | -19.16% | -25.87% | +6.71% |
Current DrawdownCurrent decline from peak | -5.14% | -5.85% | +0.71% |
Average DrawdownAverage peak-to-trough decline | -2.89% | -6.83% | +3.94% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.29% | 1.59% | -0.30% |
Volatility
RFDTX vs. PMTIX - Volatility Comparison
The current volatility for American Funds 2025 Target Date Retirement Income R6 (RFDTX) is 2.54%, while Principal LifeTime 2030 Fund (PMTIX) has a volatility of 3.33%. This indicates that RFDTX experiences smaller price fluctuations and is considered to be less risky than PMTIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| RFDTX | PMTIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 3.33% | -0.79% |
Volatility (6M)Calculated over the trailing 6-month period | 4.44% | 5.61% | -1.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.33% | 9.78% | -2.45% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 8.17% | 10.53% | -2.36% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.92% | 11.19% | -2.27% |