URFRX vs. LTIUX
Compare and contrast key facts about USAA Target Retirement 2040 Fund (URFRX) and Principal LifeTime 2035 Fund (LTIUX).
URFRX is managed by Victory. It was launched on Jul 30, 2008. LTIUX is managed by Principal. It was launched on Feb 28, 2008.
Performance
URFRX vs. LTIUX - Performance Comparison
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URFRX vs. LTIUX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
URFRX USAA Target Retirement 2040 Fund | 0.14% | 17.49% | 10.37% | 16.75% | -14.86% | 15.88% | 9.22% | 19.57% | -8.52% | 18.48% |
LTIUX Principal LifeTime 2035 Fund | -1.66% | 14.26% | 14.13% | 16.51% | -17.48% | 14.07% | 15.70% | 23.48% | -7.37% | 19.69% |
Returns By Period
In the year-to-date period, URFRX achieves a 0.14% return, which is significantly higher than LTIUX's -1.66% return. Both investments have delivered pretty close results over the past 10 years, with URFRX having a 8.66% annualized return and LTIUX not far ahead at 8.91%.
URFRX
- 1D
- 2.15%
- 1M
- -4.30%
- YTD
- 0.14%
- 6M
- 2.40%
- 1Y
- 16.93%
- 3Y*
- 13.05%
- 5Y*
- 7.15%
- 10Y*
- 8.66%
LTIUX
- 1D
- 2.11%
- 1M
- -3.97%
- YTD
- -1.66%
- 6M
- -0.15%
- 1Y
- 11.84%
- 3Y*
- 12.40%
- 5Y*
- 6.02%
- 10Y*
- 8.91%
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URFRX vs. LTIUX - Expense Ratio Comparison
URFRX has a 0.02% expense ratio, which is higher than LTIUX's 0.01% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
URFRX vs. LTIUX — Risk / Return Rank
URFRX
LTIUX
URFRX vs. LTIUX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement 2040 Fund (URFRX) and Principal LifeTime 2035 Fund (LTIUX). 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.
| URFRX | LTIUX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.44 | 1.08 | +0.35 |
Sortino ratioReturn per unit of downside risk | 2.06 | 1.61 | +0.45 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.23 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.95 | 1.46 | +0.50 |
Martin ratioReturn relative to average drawdown | 9.28 | 6.81 | +2.48 |
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
| URFRX | LTIUX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.44 | 1.08 | +0.35 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.58 | 0.51 | +0.07 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.67 | 0.72 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.49 | 0.45 | +0.04 |
Correlation
The correlation between URFRX and LTIUX is 0.97, 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
URFRX vs. LTIUX - Dividend Comparison
URFRX's dividend yield for the trailing twelve months is around 7.04%, less than LTIUX's 9.18% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
URFRX USAA Target Retirement 2040 Fund | 7.04% | 7.05% | 2.78% | 3.94% | 10.68% | 7.78% | 5.49% | 12.74% | 9.99% | 6.53% | 3.95% | 2.55% |
LTIUX Principal LifeTime 2035 Fund | 9.18% | 9.03% | 9.46% | 4.17% | 7.50% | 7.06% | 5.35% | 7.28% | 7.75% | 5.46% | 4.28% | 5.59% |
Drawdowns
URFRX vs. LTIUX - Drawdown Comparison
The maximum URFRX drawdown since its inception was -39.33%, smaller than the maximum LTIUX drawdown of -49.65%. Use the drawdown chart below to compare losses from any high point for URFRX and LTIUX.
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Drawdown Indicators
| URFRX | LTIUX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -39.33% | -49.65% | +10.32% |
Max Drawdown (1Y)Largest decline over 1 year | -8.86% | -8.44% | -0.42% |
Max Drawdown (5Y)Largest decline over 5 years | -22.27% | -24.23% | +1.96% |
Max Drawdown (10Y)Largest decline over 10 years | -28.59% | -28.12% | -0.47% |
Current DrawdownCurrent decline from peak | -4.88% | -4.60% | -0.28% |
Average DrawdownAverage peak-to-trough decline | -5.23% | -6.76% | +1.53% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.86% | 1.80% | +0.06% |
Volatility
URFRX vs. LTIUX - Volatility Comparison
USAA Target Retirement 2040 Fund (URFRX) and Principal LifeTime 2035 Fund (LTIUX) have volatilities of 4.59% and 4.44%, 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
| URFRX | LTIUX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.59% | 4.44% | +0.15% |
Volatility (6M)Calculated over the trailing 6-month period | 7.29% | 6.70% | +0.59% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.07% | 11.29% | +0.78% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 12.31% | 11.83% | +0.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 13.04% | 12.47% | +0.57% |