TRRLX vs. PLTZX
Compare and contrast key facts about T. Rowe Price Retirement 2060 Fund (TRRLX) and Principal LifeTime 2060 Fund (PLTZX).
TRRLX is a passively managed fund by T. Rowe Price that tracks the performance of the S&P Target Date 2060 Index. It was launched on Jun 23, 2014. PLTZX is managed by Principal. It was launched on Feb 28, 2013.
Performance
TRRLX vs. PLTZX - Performance Comparison
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TRRLX vs. PLTZX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRRLX T. Rowe Price Retirement 2060 Fund | -3.74% | 14.54% | 14.22% | 20.87% | -19.22% | 17.50% | 18.46% | 25.39% | -7.62% | 20.79% |
PLTZX Principal LifeTime 2060 Fund | -5.21% | 17.76% | 16.89% | 20.36% | -18.81% | 18.12% | 16.60% | 27.54% | -9.24% | 22.68% |
Returns By Period
In the year-to-date period, TRRLX achieves a -3.74% return, which is significantly higher than PLTZX's -5.21% return. Both investments have delivered pretty close results over the past 10 years, with TRRLX having a 9.79% annualized return and PLTZX not far ahead at 10.23%.
TRRLX
- 1D
- -0.33%
- 1M
- -9.46%
- YTD
- -3.74%
- 6M
- -4.69%
- 1Y
- 10.12%
- 3Y*
- 12.70%
- 5Y*
- 6.39%
- 10Y*
- 9.79%
PLTZX
- 1D
- -0.28%
- 1M
- -8.28%
- YTD
- -5.21%
- 6M
- -2.98%
- 1Y
- 12.54%
- 3Y*
- 13.98%
- 5Y*
- 7.39%
- 10Y*
- 10.23%
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TRRLX vs. PLTZX - Expense Ratio Comparison
TRRLX has a 0.64% expense ratio, which is higher than PLTZX's 0.01% expense ratio.
Return for Risk
TRRLX vs. PLTZX — Risk / Return Rank
TRRLX
PLTZX
TRRLX vs. PLTZX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Retirement 2060 Fund (TRRLX) 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.
| TRRLX | PLTZX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.63 | 0.81 | -0.17 |
Sortino ratioReturn per unit of downside risk | 0.99 | 1.24 | -0.25 |
Omega ratioGain probability vs. loss probability | 1.15 | 1.18 | -0.03 |
Calmar ratioReturn relative to maximum drawdown | 0.68 | 0.94 | -0.25 |
Martin ratioReturn relative to average drawdown | 3.08 | 4.59 | -1.50 |
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
| TRRLX | PLTZX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.63 | 0.81 | -0.17 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.43 | 0.48 | -0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.64 | -0.01 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.55 | 0.63 | -0.09 |
Correlation
The correlation between TRRLX and PLTZX 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
TRRLX vs. PLTZX - Dividend Comparison
TRRLX has not paid dividends to shareholders, while PLTZX's dividend yield for the trailing twelve months is around 8.79%.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRRLX T. Rowe Price Retirement 2060 Fund | 0.00% | 0.00% | 1.74% | 3.29% | 5.75% | 4.19% | 2.38% | 4.33% | 5.39% | 1.58% | 1.58% | 0.83% |
PLTZX Principal LifeTime 2060 Fund | 8.79% | 8.33% | 7.85% | 4.12% | 8.44% | 5.29% | 3.60% | 5.86% | 5.75% | 2.73% | 3.48% | 3.29% |
Drawdowns
TRRLX vs. PLTZX - Drawdown Comparison
The maximum TRRLX drawdown since its inception was -32.52%, roughly equal to the maximum PLTZX drawdown of -34.01%. Use the drawdown chart below to compare losses from any high point for TRRLX and PLTZX.
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Drawdown Indicators
| TRRLX | PLTZX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.52% | -34.01% | +1.49% |
Max Drawdown (1Y)Largest decline over 1 year | -11.71% | -11.51% | -0.20% |
Max Drawdown (5Y)Largest decline over 5 years | -28.09% | -26.79% | -1.30% |
Max Drawdown (10Y)Largest decline over 10 years | -32.52% | -34.01% | +1.49% |
Current DrawdownCurrent decline from peak | -9.82% | -8.70% | -1.12% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -4.67% | -0.56% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.92% | 2.35% | +0.57% |
Volatility
TRRLX vs. PLTZX - Volatility Comparison
T. Rowe Price Retirement 2060 Fund (TRRLX) and Principal LifeTime 2060 Fund (PLTZX) have volatilities of 5.10% and 4.98%, 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
| TRRLX | PLTZX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.10% | 4.98% | +0.12% |
Volatility (6M)Calculated over the trailing 6-month period | 9.57% | 8.88% | +0.69% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.53% | 15.74% | +0.79% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.17% | 15.38% | -0.21% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.45% | 15.93% | -0.48% |