SSDOX vs. LTFIX
SSDOX (State Street Target Retirement 2055 Fund) and LTFIX (Principal LifeTime 2055 Fund) are both Target Retirement Date funds. Over the past 10 years, SSDOX returned 11.53%/yr vs 11.93%/yr for LTFIX. With a 0.96 correlation, they move nearly in lockstep. SSDOX charges 0.21%/yr vs 0.01%/yr for LTFIX.
Performance
SSDOX vs. LTFIX - Performance Comparison
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Returns By Period
In the year-to-date period, SSDOX achieves a 11.69% return, which is significantly higher than LTFIX's 8.64% return. Both investments have delivered pretty close results over the past 10 years, with SSDOX having a 11.53% annualized return and LTFIX not far ahead at 11.93%.
SSDOX
- 1D
- -0.10%
- 1M
- 1.91%
- YTD
- 11.69%
- 6M
- 11.05%
- 1Y
- 26.50%
- 3Y*
- 18.23%
- 5Y*
- 8.64%
- 10Y*
- 11.53%
LTFIX
- 1D
- -0.31%
- 1M
- 1.44%
- YTD
- 8.64%
- 6M
- 8.07%
- 1Y
- 20.87%
- 3Y*
- 18.13%
- 5Y*
- 9.07%
- 10Y*
- 11.93%
SSDOX vs. LTFIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SSDOX State Street Target Retirement 2055 Fund | 11.69% | 21.02% | 12.37% | 19.35% | -19.27% | 13.32% | 19.62% | 25.62% | -7.91% | 19.22% |
LTFIX Principal LifeTime 2055 Fund | 8.64% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
Correlation
The correlation between SSDOX and LTFIX is 0.94, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.94 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.94 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.96 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.96 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2014 | 0.96 |
The correlation between SSDOX and LTFIX has been stable across timeframes, ranging from 0.94 to 0.96 - a consistent structural relationship.
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Return for Risk
SSDOX vs. LTFIX — Risk / Return Rank
SSDOX
LTFIX
SSDOX vs. LTFIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for State Street Target Retirement 2055 Fund (SSDOX) and Principal LifeTime 2055 Fund (LTFIX). 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.
| SSDOX | LTFIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.53 | ||
| Sortino ratioReturn per unit of downside risk | +0.70 | ||
| Omega ratioGain probability vs. loss probability | 1.44 | 1.32 | +0.11 |
| Calmar ratioReturn relative to maximum drawdown | 3.06 | 2.52 | +0.54 |
| Martin ratioReturn relative to average drawdown | 12.79 | 11.09 | +1.71 |
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Drawdowns
SSDOX vs. LTFIX - Drawdown Comparison
The maximum SSDOX drawdown since its inception was -29.85%, smaller than the maximum LTFIX drawdown of -52.73%. Use the drawdown chart below to compare losses from any high point for SSDOX and LTFIX.
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Drawdown Indicators
| SSDOX | LTFIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -29.85% | -52.73% | +22.88% |
Max Drawdown (1Y)Largest decline over 1 year | -8.92% | -8.71% | -0.21% |
Max Drawdown (3Y)Largest decline over 3 years | -15.04% | -15.70% | +0.66% |
Max Drawdown (5Y)Largest decline over 5 years | -27.44% | -26.80% | -0.64% |
Max Drawdown (10Y)Largest decline over 10 years | -29.85% | -33.50% | +3.65% |
Current DrawdownCurrent decline from peak | -0.35% | -0.94% | +0.59% |
Average DrawdownAverage peak-to-trough decline | -5.02% | -7.62% | +2.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.13% | 1.98% | +0.15% |
Volatility
SSDOX vs. LTFIX - Volatility Comparison
State Street Target Retirement 2055 Fund (SSDOX) and Principal LifeTime 2055 Fund (LTFIX) have volatilities of 4.74% and 4.84%, 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
| SSDOX | LTFIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.74% | 4.84% | -0.10% |
Volatility (6M)Calculated over the trailing 6-month period | 9.90% | 10.34% | -0.44% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.99% | 12.55% | -0.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.37% | 15.57% | -1.20% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.87% | 15.88% | -1.01% |
SSDOX vs. LTFIX - Expense Ratio Comparison
SSDOX has a 0.21% expense ratio, which is higher than LTFIX's 0.01% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
SSDOX vs. LTFIX - Dividend Comparison
SSDOX's dividend yield for the trailing twelve months is around 4.34%, less than LTFIX's 8.03% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTFIX Principal LifeTime 2055 Fund | 8.03% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
SSDOX State Street Target Retirement 2055 Fund | 4.34% | 4.85% | 4.45% | 2.99% | 4.97% | 4.39% | 3.03% | 6.02% | 5.38% | 0.44% | 1.71% | 2.03% |
Frequently Asked Questions
With a correlation of 0.94, SSDOX and LTFIX 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.
LTFIX has higher volatility (4.84%) compared to SSDOX (4.74%). In terms of maximum drawdown, SSDOX dropped -29.85% vs LTFIX's -52.73%.
SSDOX currently has the higher Sharpe Ratio (2.28 vs 1.75), 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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