TRRLX vs. PTDIX
Compare and contrast key facts about T. Rowe Price Retirement 2060 Fund (TRRLX) and Principal LifeTime 2040 Fund (PTDIX).
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. PTDIX is managed by Principal. It was launched on Feb 28, 2001.
Performance
TRRLX vs. PTDIX - Performance Comparison
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TRRLX vs. PTDIX - 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% |
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, TRRLX achieves a -3.74% return, which is significantly higher than PTDIX's -4.20% return. Both investments have delivered pretty close results over the past 10 years, with TRRLX having a 9.79% annualized return and PTDIX not far behind at 9.48%.
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%
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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TRRLX vs. PTDIX - Expense Ratio Comparison
TRRLX has a 0.64% expense ratio, which is higher than PTDIX's 0.01% expense ratio.
Return for Risk
TRRLX vs. PTDIX — Risk / Return Rank
TRRLX
PTDIX
TRRLX vs. PTDIX - 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 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.
| TRRLX | PTDIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.63 | 0.86 | -0.22 |
Sortino ratioReturn per unit of downside risk | 0.99 | 1.30 | -0.31 |
Omega ratioGain probability vs. loss probability | 1.15 | 1.18 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | 0.68 | 1.00 | -0.32 |
Martin ratioReturn relative to average drawdown | 3.08 | 4.85 | -1.77 |
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 | PTDIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.63 | 0.86 | -0.22 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.43 | 0.51 | -0.09 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.64 | 0.69 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.55 | 0.45 | +0.10 |
Correlation
The correlation between TRRLX 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
TRRLX vs. PTDIX - Dividend Comparison
TRRLX has not paid dividends to shareholders, while PTDIX's dividend yield for the trailing twelve months is around 10.23%.
| 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% |
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
TRRLX vs. PTDIX - Drawdown Comparison
The maximum TRRLX drawdown since its inception was -32.52%, smaller than the maximum PTDIX drawdown of -54.38%. Use the drawdown chart below to compare losses from any high point for TRRLX and PTDIX.
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Drawdown Indicators
| TRRLX | PTDIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.52% | -54.38% | +21.86% |
Max Drawdown (1Y)Largest decline over 1 year | -11.71% | -9.72% | -1.99% |
Max Drawdown (5Y)Largest decline over 5 years | -28.09% | -25.43% | -2.66% |
Max Drawdown (10Y)Largest decline over 10 years | -32.52% | -30.02% | -2.50% |
Current DrawdownCurrent decline from peak | -9.82% | -7.32% | -2.50% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -7.54% | +2.31% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.92% | 2.01% | +0.91% |
Volatility
TRRLX vs. PTDIX - Volatility Comparison
T. Rowe Price Retirement 2060 Fund (TRRLX) has a higher volatility of 5.10% compared to Principal LifeTime 2040 Fund (PTDIX) at 4.17%. This indicates that TRRLX'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
| TRRLX | PTDIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.10% | 4.17% | +0.93% |
Volatility (6M)Calculated over the trailing 6-month period | 9.57% | 7.34% | +2.23% |
Volatility (1Y)Calculated over the trailing 1-year period | 16.53% | 12.99% | +3.54% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.17% | 13.44% | +1.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.45% | 13.79% | +1.66% |