SWORX vs. LTRIX
Compare and contrast key facts about Schwab Target 2055 Fund (SWORX) and Principal LifeTime 2045 Fund (LTRIX).
SWORX is managed by Charles Schwab. It was launched on Jan 22, 2013. LTRIX is managed by Principal. It was launched on Feb 28, 2008.
Performance
SWORX vs. LTRIX - Performance Comparison
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SWORX vs. LTRIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SWORX Schwab Target 2055 Fund | -4.00% | 20.10% | 14.04% | 20.77% | -19.88% | 18.22% | 15.33% | 25.61% | -10.25% | 21.38% |
LTRIX Principal LifeTime 2045 Fund | -4.72% | 16.69% | 16.90% | 19.40% | -18.51% | 16.55% | 16.33% | 25.81% | -8.34% | 21.38% |
Returns By Period
In the year-to-date period, SWORX achieves a -4.00% return, which is significantly higher than LTRIX's -4.72% return. Both investments have delivered pretty close results over the past 10 years, with SWORX having a 9.88% annualized return and LTRIX not far behind at 9.79%.
SWORX
- 1D
- -0.32%
- 1M
- -8.94%
- YTD
- -4.00%
- 6M
- -1.23%
- 1Y
- 16.31%
- 3Y*
- 14.07%
- 5Y*
- 7.43%
- 10Y*
- 9.88%
LTRIX
- 1D
- -0.21%
- 1M
- -7.69%
- YTD
- -4.72%
- 6M
- -2.65%
- 1Y
- 11.72%
- 3Y*
- 13.58%
- 5Y*
- 7.05%
- 10Y*
- 9.79%
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SWORX vs. LTRIX - Expense Ratio Comparison
SWORX has a 0.00% expense ratio, which is lower than LTRIX'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
SWORX vs. LTRIX — Risk / Return Rank
SWORX
LTRIX
SWORX vs. LTRIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Schwab Target 2055 Fund (SWORX) and Principal LifeTime 2045 Fund (LTRIX). 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.
| SWORX | LTRIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.05 | 0.83 | +0.22 |
Sortino ratioReturn per unit of downside risk | 1.54 | 1.27 | +0.27 |
Omega ratioGain probability vs. loss probability | 1.23 | 1.18 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.31 | 0.96 | +0.35 |
Martin ratioReturn relative to average drawdown | 5.98 | 4.66 | +1.32 |
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
| SWORX | LTRIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.05 | 0.83 | +0.22 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.46 | 0.49 | -0.03 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.60 | 0.66 | -0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.61 | 0.44 | +0.17 |
Correlation
The correlation between SWORX and LTRIX 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
SWORX vs. LTRIX - Dividend Comparison
SWORX's dividend yield for the trailing twelve months is around 4.61%, less than LTRIX's 9.77% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SWORX Schwab Target 2055 Fund | 4.61% | 4.43% | 3.44% | 3.31% | 8.42% | 5.25% | 2.23% | 5.15% | 6.43% | 2.74% | 5.19% | 5.85% |
LTRIX Principal LifeTime 2045 Fund | 9.77% | 9.31% | 9.40% | 4.25% | 8.71% | 6.75% | 4.62% | 6.93% | 7.50% | 4.57% | 4.48% | 5.42% |
Drawdowns
SWORX vs. LTRIX - Drawdown Comparison
The maximum SWORX drawdown since its inception was -32.13%, smaller than the maximum LTRIX drawdown of -51.39%. Use the drawdown chart below to compare losses from any high point for SWORX and LTRIX.
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Drawdown Indicators
| SWORX | LTRIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.13% | -51.39% | +19.26% |
Max Drawdown (1Y)Largest decline over 1 year | -11.07% | -10.65% | -0.42% |
Max Drawdown (5Y)Largest decline over 5 years | -31.07% | -26.25% | -4.82% |
Max Drawdown (10Y)Largest decline over 10 years | -32.13% | -31.56% | -0.57% |
Current DrawdownCurrent decline from peak | -9.42% | -8.04% | -1.38% |
Average DrawdownAverage peak-to-trough decline | -5.58% | -7.26% | +1.68% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.42% | 2.20% | +0.22% |
Volatility
SWORX vs. LTRIX - Volatility Comparison
Schwab Target 2055 Fund (SWORX) has a higher volatility of 4.99% compared to Principal LifeTime 2045 Fund (LTRIX) at 4.53%. This indicates that SWORX's price experiences larger fluctuations and is considered to be riskier than LTRIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SWORX | LTRIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.99% | 4.53% | +0.46% |
Volatility (6M)Calculated over the trailing 6-month period | 8.96% | 8.04% | +0.92% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.57% | 14.30% | +1.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.39% | 14.52% | +1.87% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.60% | 14.77% | +1.83% |