TRRLX vs. PMTIX
Compare and contrast key facts about T. Rowe Price Retirement 2060 Fund (TRRLX) and Principal LifeTime 2030 Fund (PMTIX).
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. PMTIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
TRRLX vs. PMTIX - Performance Comparison
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TRRLX vs. PMTIX - 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% |
PMTIX Principal LifeTime 2030 Fund | -3.15% | 13.25% | 12.86% | 15.11% | -16.81% | 12.70% | 14.71% | 22.40% | -7.45% | 18.41% |
Returns By Period
In the year-to-date period, TRRLX achieves a -3.74% return, which is significantly lower than PMTIX's -3.15% return. Over the past 10 years, TRRLX has outperformed PMTIX with an annualized return of 9.79%, while PMTIX has yielded a comparatively lower 8.05% annualized return.
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%
PMTIX
- 1D
- 0.00%
- 1M
- -5.66%
- YTD
- -3.15%
- 6M
- -1.49%
- 1Y
- 9.21%
- 3Y*
- 10.71%
- 5Y*
- 5.31%
- 10Y*
- 8.05%
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TRRLX vs. PMTIX - Expense Ratio Comparison
TRRLX has a 0.64% expense ratio, which is higher than PMTIX's 0.01% expense ratio.
Return for Risk
TRRLX vs. PMTIX — Risk / Return Rank
TRRLX
PMTIX
TRRLX vs. PMTIX - 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 2030 Fund (PMTIX). 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 | PMTIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.63 | 0.95 | -0.32 |
Sortino ratioReturn per unit of downside risk | 0.99 | 1.41 | -0.41 |
Omega ratioGain probability vs. loss probability | 1.15 | 1.20 | -0.05 |
Calmar ratioReturn relative to maximum drawdown | 0.68 | 1.12 | -0.44 |
Martin ratioReturn relative to average drawdown | 3.08 | 5.30 | -2.21 |
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 | PMTIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.63 | 0.95 | -0.32 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.43 | 0.51 | -0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.72 | -0.08 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.55 | 0.47 | +0.08 |
Correlation
The correlation between TRRLX and PMTIX is 0.95, 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. PMTIX - Dividend Comparison
TRRLX has not paid dividends to shareholders, while PMTIX's dividend yield for the trailing twelve months is around 10.01%.
| 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% |
PMTIX Principal LifeTime 2030 Fund | 10.01% | 9.69% | 9.60% | 4.26% | 10.05% | 8.87% | 6.37% | 6.49% | 8.21% | 5.87% | 3.97% | 9.44% |
Drawdowns
TRRLX vs. PMTIX - Drawdown Comparison
The maximum TRRLX drawdown since its inception was -32.52%, smaller than the maximum PMTIX drawdown of -52.14%. Use the drawdown chart below to compare losses from any high point for TRRLX and PMTIX.
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Drawdown Indicators
| TRRLX | PMTIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.52% | -52.14% | +19.62% |
Max Drawdown (1Y)Largest decline over 1 year | -11.71% | -7.49% | -4.22% |
Max Drawdown (5Y)Largest decline over 5 years | -28.09% | -23.05% | -5.04% |
Max Drawdown (10Y)Largest decline over 10 years | -32.52% | -25.87% | -6.65% |
Current DrawdownCurrent decline from peak | -9.82% | -5.85% | -3.97% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -6.83% | +1.60% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.92% | 1.59% | +1.33% |
Volatility
TRRLX vs. PMTIX - Volatility Comparison
T. Rowe Price Retirement 2060 Fund (TRRLX) has a higher volatility of 5.10% compared to Principal LifeTime 2030 Fund (PMTIX) at 3.33%. This indicates that TRRLX's price experiences larger fluctuations and is considered to be riskier than PMTIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRRLX | PMTIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.10% | 3.33% | +1.77% |
Volatility (6M)Calculated over the trailing 6-month period | 9.57% | 5.61% | +3.96% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.53% | 9.78% | +6.75% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.17% | 10.53% | +4.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.45% | 11.19% | +4.26% |