RFFTX vs. PLWIX
Compare and contrast key facts about American Funds 2035 Target Date Retirement Fund Class R6 (RFFTX) and Principal LifeTime 2020 Fund (PLWIX).
RFFTX is an actively managed fund by American Funds. It was launched on Feb 1, 2007. PLWIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
RFFTX vs. PLWIX - Performance Comparison
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RFFTX vs. PLWIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFFTX American Funds 2035 Target Date Retirement Fund Class R6 | -3.67% | 17.18% | 12.73% | 16.91% | -16.23% | 15.59% | 17.56% | 23.26% | -5.13% | 21.04% |
PLWIX Principal LifeTime 2020 Fund | -2.23% | 11.32% | 12.21% | 12.23% | -14.36% | 9.05% | 12.70% | 18.40% | -5.72% | 14.96% |
Returns By Period
In the year-to-date period, RFFTX achieves a -3.67% return, which is significantly lower than PLWIX's -2.23% return. Over the past 10 years, RFFTX has outperformed PLWIX with an annualized return of 9.89%, while PLWIX has yielded a comparatively lower 6.86% annualized return.
RFFTX
- 1D
- -0.05%
- 1M
- -6.82%
- YTD
- -3.67%
- 6M
- -1.18%
- 1Y
- 12.53%
- 3Y*
- 12.29%
- 5Y*
- 6.82%
- 10Y*
- 9.89%
PLWIX
- 1D
- 0.17%
- 1M
- -4.51%
- YTD
- -2.23%
- 6M
- -0.84%
- 1Y
- 7.85%
- 3Y*
- 9.55%
- 5Y*
- 4.70%
- 10Y*
- 6.86%
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RFFTX vs. PLWIX - Expense Ratio Comparison
RFFTX has a 0.34% expense ratio, which is higher than PLWIX's 0.01% expense ratio.
Return for Risk
RFFTX vs. PLWIX — Risk / Return Rank
RFFTX
PLWIX
RFFTX vs. PLWIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2035 Target Date Retirement Fund Class R6 (RFFTX) and Principal LifeTime 2020 Fund (PLWIX). 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.
| RFFTX | PLWIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.19 | 1.07 | +0.13 |
Sortino ratioReturn per unit of downside risk | 1.76 | 1.53 | +0.22 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.22 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.54 | 1.29 | +0.25 |
Martin ratioReturn relative to average drawdown | 6.78 | 5.82 | +0.96 |
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
| RFFTX | PLWIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.19 | 1.07 | +0.13 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.60 | 0.58 | +0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.78 | 0.81 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.74 | 0.51 | +0.23 |
Correlation
The correlation between RFFTX and PLWIX 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
RFFTX vs. PLWIX - Dividend Comparison
RFFTX's dividend yield for the trailing twelve months is around 6.50%, less than PLWIX's 10.31% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
RFFTX American Funds 2035 Target Date Retirement Fund Class R6 | 6.50% | 6.26% | 4.56% | 2.91% | 5.75% | 5.53% | 3.81% | 4.51% | 5.15% | 2.66% | 3.82% | 5.94% |
PLWIX Principal LifeTime 2020 Fund | 10.31% | 10.08% | 11.91% | 5.12% | 9.82% | 9.40% | 5.90% | 8.69% | 7.35% | 5.74% | 3.73% | 8.75% |
Drawdowns
RFFTX vs. PLWIX - Drawdown Comparison
The maximum RFFTX drawdown since its inception was -26.62%, smaller than the maximum PLWIX drawdown of -49.07%. Use the drawdown chart below to compare losses from any high point for RFFTX and PLWIX.
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Drawdown Indicators
| RFFTX | PLWIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.62% | -49.07% | +22.45% |
Max Drawdown (1Y)Largest decline over 1 year | -7.54% | -5.75% | -1.79% |
Max Drawdown (5Y)Largest decline over 5 years | -23.06% | -19.73% | -3.33% |
Max Drawdown (10Y)Largest decline over 10 years | -26.62% | -20.29% | -6.33% |
Current DrawdownCurrent decline from peak | -6.95% | -4.59% | -2.36% |
Average DrawdownAverage peak-to-trough decline | -3.69% | -5.76% | +2.07% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.71% | 1.27% | +0.44% |
Volatility
RFFTX vs. PLWIX - Volatility Comparison
American Funds 2035 Target Date Retirement Fund Class R6 (RFFTX) has a higher volatility of 3.36% compared to Principal LifeTime 2020 Fund (PLWIX) at 2.61%. This indicates that RFFTX's price experiences larger fluctuations and is considered to be riskier than PLWIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFFTX | PLWIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.36% | 2.61% | +0.75% |
Volatility (6M)Calculated over the trailing 6-month period | 6.32% | 4.35% | +1.97% |
Volatility (1Y)Calculated over the trailing 1-year period | 10.67% | 7.48% | +3.19% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.36% | 8.22% | +3.14% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.68% | 8.55% | +4.13% |