RFITX vs. PLTZX
RFITX (American Funds 2050 Target Date Retirement Fund Class R6) and PLTZX (Principal LifeTime 2060 Fund) are both Target Retirement Date funds. Over the past 10 years, RFITX returned 11.80%/yr vs 11.27%/yr for PLTZX. Their 0.97 correlation means they have historically moved very closely together. RFITX charges 0.37%/yr vs 0.01%/yr for PLTZX.
Performance
RFITX vs. PLTZX - Performance Comparison
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Returns By Period
The year-to-date returns for both investments are quite close, with RFITX having a 8.42% return and PLTZX slightly higher at 8.71%. Both investments have delivered pretty close results over the past 10 years, with RFITX having a 11.80% annualized return and PLTZX not far behind at 11.27%.
RFITX
- 1D
- 1.70%
- 1M
- -1.42%
- 6M
- 5.58%
- YTD
- 8.42%
- 1Y
- 18.47%
- 3Y*
- 16.40%
- 5Y*
- 9.15%
- 10Y*
- 11.80%
- ALL TIME*
- 10.99%
PLTZX
- 1D
- 1.69%
- 1M
- 0.44%
- 6M
- 5.90%
- YTD
- 8.71%
- 1Y
- 18.01%
- 3Y*
- 15.94%
- 5Y*
- 8.69%
- 10Y*
- 11.27%
- ALL TIME*
- 10.45%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
RFITX vs. PLTZX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RFITX American Funds 2050 Target Date Retirement Fund Class R6 | 8.42% | 20.45% | 15.43% | 20.84% | -18.88% | 17.32% | 19.44% | 25.01% | -5.59% | 22.61% |
PLTZX Principal LifeTime 2060 Fund | 8.71% | 17.76% | 16.89% | 20.36% | -18.81% | 18.12% | 16.60% | 27.54% | -9.24% | 22.68% |
Correlation
The correlation between RFITX and PLTZX is 0.96 - they have historically moved very closely together. At this level, their price movements offset little of one another.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.96 |
Correlation (3Y) Balances recent behavior with more history. | 0.95 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.97 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.97 |
Correlation (All Time) Calculated using the full available price history since Mar 4, 2013 | 0.97 |
The correlation between RFITX and PLTZX has been stable across timeframes, ranging from 0.95 to 0.97 - a consistent structural relationship.
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Return for Risk
RFITX vs. PLTZX — Risk / Return Rank
RFITX
PLTZX
RFITX vs. PLTZX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds 2050 Target Date Retirement Fund Class R6 (RFITX) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| RFITX | PLTZX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.07 | ||
| Sortino ratioReturn per unit of downside risk | +0.10 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.23 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 1.78 | 1.84 | -0.06 |
| Martin ratioReturn relative to average drawdown | 7.69 | 7.88 | -0.19 |
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Drawdowns
RFITX vs. PLTZX - Drawdown Comparison
The maximum RFITX drawdown since its inception was -29.28%, smaller than the maximum PLTZX drawdown of -34.01%. Use the drawdown chart below to compare losses from any high point for RFITX and PLTZX.
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Drawdown Indicators
| RFITX | PLTZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.28% | -34.01% | +4.73% |
Max Drawdown (1Y)Largest decline over 1 year | -9.41% | -8.70% | -0.71% |
Max Drawdown (3Y)Largest decline over 3 years | -14.86% | -15.73% | +0.87% |
Max Drawdown (5Y)Largest decline over 5 years | -26.47% | -26.79% | +0.32% |
Max Drawdown (10Y)Largest decline over 10 years | -29.28% | -34.01% | +4.73% |
Current DrawdownCurrent decline from peak | -2.24% | -0.87% | -1.37% |
Average DrawdownAverage peak-to-trough decline | -4.09% | -4.59% | +0.50% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.18% | 2.03% | +0.15% |
Volatility
RFITX vs. PLTZX - Volatility Comparison
American Funds 2050 Target Date Retirement Fund Class R6 (RFITX) and Principal LifeTime 2060 Fund (PLTZX) have volatilities of 3.56% and 3.45%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RFITX | PLTZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.56% | 3.45% | +0.11% |
Volatility (6M)Calculated over the trailing 6-month period | 10.48% | 10.61% | -0.13% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.70% | 12.83% | -0.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.45% | 15.59% | -1.14% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.87% | 15.95% | -1.08% |
RFITX vs. PLTZX - Expense Ratio Comparison
RFITX has a 0.37% expense ratio, which is higher than PLTZX's 0.01% expense ratio.
Dividends
RFITX vs. PLTZX - Dividend Comparison
RFITX's dividend yield for the trailing twelve months is around 5.60%, less than PLTZX's 7.67% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
PLTZX Principal LifeTime 2060 Fund | 7.67% | 8.33% | 7.85% | 4.12% | 8.44% | 5.29% | 3.60% | 5.86% | 5.75% | 2.73% | 3.48% | 3.29% |
RFITX American Funds 2050 Target Date Retirement Fund Class R6 | 5.60% | 6.07% | 3.62% | 2.64% | 7.38% | 4.60% | 3.40% | 4.46% | 5.11% | 2.64% | 3.82% | 5.15% |
Frequently Asked Questions
With a correlation of 0.96, RFITX and PLTZX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
RFITX has higher volatility (3.56%) compared to PLTZX (3.45%). In terms of maximum drawdown, RFITX dropped -29.28% vs PLTZX's -34.01%.
RFITX currently has the higher Sharpe Ratio (1.32 vs 1.25), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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