TRRDX vs. PTDIX
Compare and contrast key facts about T. Rowe Price Retirement 2040 Fund (TRRDX) and Principal LifeTime 2040 Fund (PTDIX).
TRRDX is managed by T. Rowe Price. It was launched on Sep 29, 2002. PTDIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
TRRDX vs. PTDIX - Performance Comparison
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TRRDX vs. PTDIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRDX T. Rowe Price Retirement 2040 Fund | -0.90% | 12.53% | 13.15% | 19.60% | -18.77% | 16.52% | 18.10% | 24.71% | -7.41% | 22.03% |
PTDIX Principal LifeTime 2040 Fund | -1.98% | 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, TRRDX achieves a -0.90% return, which is significantly higher than PTDIX's -1.98% return. Both investments have delivered pretty close results over the past 10 years, with TRRDX having a 9.67% annualized return and PTDIX not far ahead at 9.73%.
TRRDX
- 1D
- 2.50%
- 1M
- -5.91%
- YTD
- -0.90%
- 6M
- -2.82%
- 1Y
- 10.75%
- 3Y*
- 12.47%
- 5Y*
- 5.97%
- 10Y*
- 9.67%
PTDIX
- 1D
- 2.32%
- 1M
- -4.50%
- YTD
- -1.98%
- 6M
- -0.35%
- 1Y
- 13.16%
- 3Y*
- 14.22%
- 5Y*
- 7.08%
- 10Y*
- 9.73%
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TRRDX vs. PTDIX - Expense Ratio Comparison
TRRDX has a 0.61% expense ratio, which is higher than PTDIX's 0.01% expense ratio.
Return for Risk
TRRDX vs. PTDIX — Risk / Return Rank
TRRDX
PTDIX
TRRDX vs. PTDIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2040 Fund (TRRDX) 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.
| TRRDX | PTDIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.76 | 1.04 | -0.28 |
Sortino ratioReturn per unit of downside risk | 1.14 | 1.55 | -0.41 |
Omega ratioGain probability vs. loss probability | 1.17 | 1.22 | -0.05 |
Calmar ratioReturn relative to maximum drawdown | 0.82 | 1.40 | -0.59 |
Martin ratioReturn relative to average drawdown | 3.55 | 6.70 | -3.15 |
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
| TRRDX | PTDIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.76 | 1.04 | -0.28 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.43 | 0.53 | -0.10 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.67 | 0.71 | -0.04 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.56 | 0.46 | +0.11 |
Correlation
The correlation between TRRDX 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
TRRDX vs. PTDIX - Dividend Comparison
TRRDX has not paid dividends to shareholders, while PTDIX's dividend yield for the trailing twelve months is around 10.00%.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRDX T. Rowe Price Retirement 2040 Fund | 0.00% | 0.00% | 2.26% | 5.60% | 8.92% | 7.92% | 4.96% | 6.10% | 9.51% | 3.96% | 3.36% | 4.61% |
PTDIX Principal LifeTime 2040 Fund | 10.00% | 9.80% | 12.28% | 4.40% | 8.61% | 8.92% | 6.01% | 7.26% | 9.28% | 6.07% | 4.86% | 6.73% |
Drawdowns
TRRDX vs. PTDIX - Drawdown Comparison
The maximum TRRDX drawdown since its inception was -53.50%, roughly equal to the maximum PTDIX drawdown of -54.38%. Use the drawdown chart below to compare losses from any high point for TRRDX and PTDIX.
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Drawdown Indicators
| TRRDX | PTDIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.50% | -54.38% | +0.88% |
Max Drawdown (1Y)Largest decline over 1 year | -10.64% | -9.72% | -0.92% |
Max Drawdown (5Y)Largest decline over 5 years | -27.26% | -25.43% | -1.83% |
Max Drawdown (10Y)Largest decline over 10 years | -31.46% | -30.02% | -1.44% |
Current DrawdownCurrent decline from peak | -6.60% | -5.17% | -1.43% |
Average DrawdownAverage peak-to-trough decline | -6.58% | -7.54% | +0.96% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.74% | 2.04% | +0.70% |
Volatility
TRRDX vs. PTDIX - Volatility Comparison
T. Rowe Price Retirement 2040 Fund (TRRDX) has a higher volatility of 5.44% compared to Principal LifeTime 2040 Fund (PTDIX) at 4.94%. This indicates that TRRDX'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
| TRRDX | PTDIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.44% | 4.94% | +0.50% |
Volatility (6M)Calculated over the trailing 6-month period | 9.15% | 7.68% | +1.47% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.03% | 13.16% | +1.87% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.11% | 13.48% | +0.63% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.60% | 13.80% | +0.80% |