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Principal LifeTime Hybrid 2020 Fund Class J PHJTX
Historical return decomposition and an investable replication portfolio, using data through 2026-10-09.
Fund and replication metrics
| Measure | PHJTX | Replication |
|---|---|---|
| Annualized growth | 4.3% | 3.4% |
| Annualized volatility | 8.0% | 6.0% |
| Sharpe ratio | 0.57 | 0.59 |
| Maximum drawdown | 18.9% | 15.7% |
| Replication fit (R²) | 0.86 · Tracking error 3.0% | |
Replication portfolio
The published portfolio below is the investable basket used to model PHJTX’s historical return behavior.
| Ticker | Building block | Weight |
|---|---|---|
| SPHY | FI · High Yield | 22.5% |
| VGIT | FI · Intermediate Gov | 20.8% |
| AGG | FI · Aggregate | 20.8% |
| VOO | US Large Cap | 20.0% |
| SCHP | FI · TIPS | 16.0% |