SWNRX vs. PTDIX
Compare and contrast key facts about Schwab Target 2050 Fund (SWNRX) and Principal LifeTime 2040 Fund (PTDIX).
SWNRX is managed by Charles Schwab. It was launched on Jan 22, 2013. PTDIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
SWNRX vs. PTDIX - Performance Comparison
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SWNRX vs. PTDIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWNRX Schwab Target 2050 Fund | -3.90% | 19.56% | 13.90% | 20.65% | -19.60% | 17.76% | 15.28% | 23.39% | -10.31% | 22.98% |
PTDIX Principal LifeTime 2040 Fund | -4.20% | 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, SWNRX achieves a -3.90% return, which is significantly higher than PTDIX's -4.20% return. Both investments have delivered pretty close results over the past 10 years, with SWNRX having a 9.72% annualized return and PTDIX not far behind at 9.48%.
SWNRX
- 1D
- -0.27%
- 1M
- -8.70%
- YTD
- -3.90%
- 6M
- -1.16%
- 1Y
- 15.79%
- 3Y*
- 13.87%
- 5Y*
- 7.34%
- 10Y*
- 9.72%
PTDIX
- 1D
- -0.13%
- 1M
- -7.05%
- YTD
- -4.20%
- 6M
- -2.23%
- 1Y
- 11.01%
- 3Y*
- 13.35%
- 5Y*
- 6.84%
- 10Y*
- 9.48%
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SWNRX vs. PTDIX - Expense Ratio Comparison
SWNRX has a 0.00% expense ratio, which is lower than PTDIX's 0.01% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
SWNRX vs. PTDIX — Risk / Return Rank
SWNRX
PTDIX
SWNRX vs. PTDIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2050 Fund (SWNRX) 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.
| SWNRX | PTDIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.05 | 0.86 | +0.20 |
Sortino ratioReturn per unit of downside risk | 1.54 | 1.30 | +0.24 |
Omega ratioGain probability vs. loss probability | 1.23 | 1.18 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.33 | 1.00 | +0.32 |
Martin ratioReturn relative to average drawdown | 6.02 | 4.85 | +1.17 |
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
| SWNRX | PTDIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.05 | 0.86 | +0.20 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.46 | 0.51 | -0.05 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.60 | 0.69 | -0.09 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.61 | 0.45 | +0.16 |
Correlation
The correlation between SWNRX and PTDIX 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
SWNRX vs. PTDIX - Dividend Comparison
SWNRX's dividend yield for the trailing twelve months is around 5.11%, less than PTDIX's 10.23% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWNRX Schwab Target 2050 Fund | 5.11% | 4.91% | 3.33% | 3.38% | 8.27% | 5.97% | 2.35% | 4.95% | 6.51% | 2.71% | 5.34% | 5.80% |
PTDIX Principal LifeTime 2040 Fund | 10.23% | 9.80% | 12.28% | 4.40% | 8.61% | 8.92% | 6.01% | 7.26% | 9.28% | 6.07% | 4.86% | 6.73% |
Drawdowns
SWNRX vs. PTDIX - Drawdown Comparison
The maximum SWNRX drawdown since its inception was -31.50%, smaller than the maximum PTDIX drawdown of -54.38%. Use the drawdown chart below to compare losses from any high point for SWNRX and PTDIX.
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Drawdown Indicators
| SWNRX | PTDIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.50% | -54.38% | +22.88% |
Max Drawdown (1Y)Largest decline over 1 year | -10.67% | -9.72% | -0.95% |
Max Drawdown (5Y)Largest decline over 5 years | -31.18% | -25.43% | -5.75% |
Max Drawdown (10Y)Largest decline over 10 years | -31.50% | -30.02% | -1.48% |
Current DrawdownCurrent decline from peak | -9.15% | -7.32% | -1.83% |
Average DrawdownAverage peak-to-trough decline | -5.53% | -7.54% | +2.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.35% | 2.01% | +0.34% |
Volatility
SWNRX vs. PTDIX - Volatility Comparison
Schwab Target 2050 Fund (SWNRX) has a higher volatility of 4.88% compared to Principal LifeTime 2040 Fund (PTDIX) at 4.17%. This indicates that SWNRX's price experiences larger fluctuations and is considered to be riskier 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
| SWNRX | PTDIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.88% | 4.17% | +0.71% |
Volatility (6M)Calculated over the trailing 6-month period | 8.74% | 7.34% | +1.40% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.08% | 12.99% | +2.09% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.13% | 13.44% | +2.69% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.25% | 13.79% | +2.46% |