RFETX vs. PTDIX
Compare and contrast key facts about American Funds 2030 Target Date Retirement Fund Class R6 (RFETX) and Principal LifeTime 2040 Fund (PTDIX).
RFETX is an actively managed fund by American Funds. It was launched on Feb 1, 2007. PTDIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
RFETX vs. PTDIX - Performance Comparison
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RFETX vs. PTDIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFETX American Funds 2030 Target Date Retirement Fund Class R6 | -1.28% | 15.73% | 10.86% | 14.52% | -14.50% | 13.22% | 15.17% | 20.03% | -4.14% | 18.53% |
PTDIX Principal LifeTime 2040 Fund | -1.98% | 15.59% | 17.43% | 18.33% | -18.13% | 15.35% | 16.04% | 24.91% | -7.95% | 20.69% |
Returns By Period
In the year-to-date period, RFETX achieves a -1.28% return, which is significantly higher than PTDIX's -1.98% return. Over the past 10 years, RFETX has underperformed PTDIX with an annualized return of 8.90%, while PTDIX has yielded a comparatively higher 9.73% annualized return.
RFETX
- 1D
- 1.59%
- 1M
- -4.09%
- YTD
- -1.28%
- 6M
- 0.63%
- 1Y
- 12.75%
- 3Y*
- 11.54%
- 5Y*
- 6.22%
- 10Y*
- 8.90%
PTDIX
- 1D
- 2.32%
- 1M
- -4.50%
- YTD
- -1.98%
- 6M
- -0.35%
- 1Y
- 13.16%
- 3Y*
- 14.22%
- 5Y*
- 7.08%
- 10Y*
- 9.73%
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RFETX vs. PTDIX - Expense Ratio Comparison
RFETX has a 0.33% expense ratio, which is higher than PTDIX's 0.01% expense ratio.
Return for Risk
RFETX vs. PTDIX — Risk / Return Rank
RFETX
PTDIX
RFETX vs. PTDIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2030 Target Date Retirement Fund Class R6 (RFETX) and Principal LifeTime 2040 Fund (PTDIX). 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.
| RFETX | PTDIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.45 | 1.04 | +0.41 |
Sortino ratioReturn per unit of downside risk | 2.12 | 1.55 | +0.56 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.22 | +0.08 |
Calmar ratioReturn relative to maximum drawdown | 2.05 | 1.40 | +0.65 |
Martin ratioReturn relative to average drawdown | 8.73 | 6.70 | +2.03 |
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
| RFETX | PTDIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.45 | 1.04 | +0.41 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.64 | 0.53 | +0.12 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.84 | 0.71 | +0.13 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.78 | 0.46 | +0.32 |
Correlation
The correlation between RFETX and PTDIX 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
RFETX vs. PTDIX - Dividend Comparison
RFETX's dividend yield for the trailing twelve months is around 6.71%, less than PTDIX's 10.00% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RFETX American Funds 2030 Target Date Retirement Fund Class R6 | 6.71% | 6.62% | 4.04% | 3.00% | 4.73% | 6.77% | 3.86% | 4.26% | 4.81% | 2.86% | 3.77% | 5.83% |
PTDIX Principal LifeTime 2040 Fund | 10.00% | 9.80% | 12.28% | 4.40% | 8.61% | 8.92% | 6.01% | 7.26% | 9.28% | 6.07% | 4.86% | 6.73% |
Drawdowns
RFETX vs. PTDIX - Drawdown Comparison
The maximum RFETX drawdown since its inception was -22.29%, smaller than the maximum PTDIX drawdown of -54.38%. Use the drawdown chart below to compare losses from any high point for RFETX and PTDIX.
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Drawdown Indicators
| RFETX | PTDIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -22.29% | -54.38% | +32.09% |
Max Drawdown (1Y)Largest decline over 1 year | -6.49% | -9.72% | +3.23% |
Max Drawdown (5Y)Largest decline over 5 years | -20.81% | -25.43% | +4.62% |
Max Drawdown (10Y)Largest decline over 10 years | -22.29% | -30.02% | +7.73% |
Current DrawdownCurrent decline from peak | -4.53% | -5.17% | +0.64% |
Average DrawdownAverage peak-to-trough decline | -3.31% | -7.54% | +4.23% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.53% | 2.04% | -0.51% |
Volatility
RFETX vs. PTDIX - Volatility Comparison
The current volatility for American Funds 2030 Target Date Retirement Fund Class R6 (RFETX) is 3.46%, while Principal LifeTime 2040 Fund (PTDIX) has a volatility of 4.94%. This indicates that RFETX experiences smaller price fluctuations and is considered to be less risky than PTDIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFETX | PTDIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.46% | 4.94% | -1.48% |
Volatility (6M)Calculated over the trailing 6-month period | 5.57% | 7.68% | -2.11% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.09% | 13.16% | -4.07% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.71% | 13.48% | -3.77% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.66% | 13.80% | -3.14% |