TRTGX vs. LTSTX
TRTGX (T. Rowe Price Target 2060 Fund) and LTSTX (Principal LifeTime 2025 Fund) are both Target Retirement Date funds. Over the past 10 years, TRTGX returned 10.81%/yr vs 7.73%/yr for LTSTX. Their correlation of 0.94 means they have usually moved in the same direction. TRTGX charges 0.90%/yr vs 0.01%/yr for LTSTX.
Performance
TRTGX vs. LTSTX - Performance Comparison
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Returns By Period
In the year-to-date period, TRTGX achieves a 10.83% return, which is significantly higher than LTSTX's 4.47% return. Over the past 10 years, TRTGX has outperformed LTSTX with an annualized return of 10.81%, while LTSTX has yielded a comparatively lower 7.73% annualized return.
TRTGX
- 1D
- 1.82%
- 1M
- 0.00%
- 6M
- 5.88%
- YTD
- 10.83%
- 1Y
- 22.18%
- 3Y*
- 15.71%
- 5Y*
- 8.45%
- 10Y*
- 10.81%
- ALL TIME*
- 9.25%
LTSTX
- 1D
- 0.79%
- 1M
- -0.17%
- 6M
- 2.78%
- YTD
- 4.47%
- 1Y
- 10.06%
- 3Y*
- 10.75%
- 5Y*
- 5.16%
- 10Y*
- 7.73%
- ALL TIME*
- 6.35%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
TRTGX vs. LTSTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRTGX T. Rowe Price Target 2060 Fund | 10.83% | 18.65% | 14.02% | 20.48% | -19.56% | 17.04% | 16.62% | 25.06% | -7.86% | 20.84% |
LTSTX Principal LifeTime 2025 Fund | 4.47% | 12.16% | 11.91% | 13.30% | -15.23% | 10.91% | 13.70% | 20.50% | -6.41% | 16.75% |
Correlation
The correlation between TRTGX and LTSTX is 0.93, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.93 |
Correlation (3Y) Balances recent behavior with more history. | 0.90 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.93 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.93 |
Correlation (All Time) Calculated using the full available price history since Jun 24, 2014 | 0.94 |
The correlation between TRTGX and LTSTX has been stable across timeframes, ranging from 0.90 to 0.94 - a consistent structural relationship.
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Return for Risk
TRTGX vs. LTSTX — Risk / Return Rank
TRTGX
LTSTX
TRTGX vs. LTSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for T. Rowe Price Target 2060 Fund (TRTGX) and Principal LifeTime 2025 Fund (LTSTX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TRTGX | LTSTX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.24 | ||
| Sortino ratioReturn per unit of downside risk | +0.32 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.24 | +0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.13 | 1.80 | +0.33 |
| Martin ratioReturn relative to average drawdown | 9.04 | 7.79 | +1.25 |
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Drawdowns
TRTGX vs. LTSTX - Drawdown Comparison
The maximum TRTGX drawdown since its inception was -32.56%, smaller than the maximum LTSTX drawdown of -48.17%. Use the drawdown chart below to compare losses from any high point for TRTGX and LTSTX.
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Drawdown Indicators
| TRTGX | LTSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.56% | -48.17% | +15.61% |
Max Drawdown (1Y)Largest decline over 1 year | -9.79% | -5.24% | -4.55% |
Max Drawdown (3Y)Largest decline over 3 years | -16.06% | -8.12% | -7.94% |
Max Drawdown (5Y)Largest decline over 5 years | -28.34% | -21.01% | -7.33% |
Max Drawdown (10Y)Largest decline over 10 years | -32.56% | -23.33% | -9.23% |
Current DrawdownCurrent decline from peak | -0.93% | -0.78% | -0.15% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -6.11% | +0.88% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.29% | 1.21% | +1.08% |
Volatility
TRTGX vs. LTSTX - Volatility Comparison
T. Rowe Price Target 2060 Fund (TRTGX) has a higher volatility of 3.54% compared to Principal LifeTime 2025 Fund (LTSTX) at 1.95%. This indicates that TRTGX's price experiences larger fluctuations and is considered to be riskier than LTSTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRTGX | LTSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.54% | 1.95% | +1.59% |
Volatility (6M)Calculated over the trailing 6-month period | 11.05% | 5.99% | +5.06% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.42% | 7.19% | +6.23% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 15.43% | 9.23% | +6.20% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.54% | 9.76% | +5.78% |
TRTGX vs. LTSTX - Expense Ratio Comparison
TRTGX has a 0.90% expense ratio, which is higher than LTSTX's 0.01% expense ratio.
Dividends
TRTGX vs. LTSTX - Dividend Comparison
TRTGX's dividend yield for the trailing twelve months is around 3.78%, less than LTSTX's 11.67% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LTSTX Principal LifeTime 2025 Fund | 11.67% | 12.19% | 9.74% | 4.26% | 8.00% | 7.66% | 5.25% | 6.91% | 6.39% | 4.75% | 3.65% | 8.91% |
TRTGX T. Rowe Price Target 2060 Fund | 3.78% | 4.19% | 2.23% | 2.72% | 4.90% | 3.23% | 0.78% | 4.03% | 5.44% | 2.90% | 2.54% | 2.63% |
Frequently Asked Questions
With a correlation of 0.93, TRTGX and LTSTX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
TRTGX has higher volatility (3.54%) compared to LTSTX (1.95%). In terms of maximum drawdown, TRTGX dropped -32.56% vs LTSTX's -48.17%.
TRTGX currently has the higher Sharpe Ratio (1.56 vs 1.32), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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