PTCPX Fees and Costs — Principal LifeTime 2030 Fund, Class R-5
Data updated: 2026-09-25
The net expense ratio is 0.76%. There are no sales loads or redemption fees. Portfolio turnover was 32%.
PTCPX Fees and Expenses
Annual operating expenses and sales charges of PTCPX. Prospectus, as of March 1, 2026.
| Annual operating expenses | |
|---|---|
| Management fee | 0.00% |
| 12b-1 fee | — |
| Other expenses | 0.26% |
| Gross expense ratio | 0.76% |
| Fee waiver | — |
| Net expense ratio | 0.76% |
| Sales charges | |
|---|---|
| Max front load | 0.00% |
| Max deferred load | 0.00% |
| Redemption fee | — |
| Expense limitation in place (N-CEN) | Yes |
| Fees waived or reduced during the year | Yes |
| Waived fees subject to recoupment | No |
PTCPX Costs Over Time
On $10,000 invested in PTCPX, assuming 5% a year before costs, total costs come to $478 over 5 years, cutting the return by 0.80% a year. Illustration, not a forecast: it assumes today's net expense ratio throughout (a fee waiver may end).
| $10,000 invested | Sell after 1 year | Sell after 3 years | Sell after 5 years |
|---|---|---|---|
| Value before costs | $10,500 | $11,576 | $12,763 |
| Fund expenses (net expense ratio 0.76%) | $80 | $250 | $434 |
| Lost growth on money paid in costs | $0 | $12 | $44 |
| Total costs | $80 | $262 | $478 |
| Value after costs | $10,420 | $11,314 | $12,285 |
| Impact on return, per year | 0.80% | 0.80% | 0.80% |
PTCPX Trading Costs
Brokerage costs reported on SEC Form N-CEN for the fiscal year ending October 31, 2025.
- Explicit cost rate (commissions ÷ average net assets): —
- Total broker commissions: —
- Bought from dealers (principal trades, not a cost): $3.9B
- Portfolio turnover (prospectus): 32%
- Securities lending: none during the year
Principal LifeTime 2030 Fund Share Classes
Net expense ratio and maximum front-end load of each share class, cheapest first.
| Ticker | Class | Net expense ratio | Front load |
|---|---|---|---|
| PMTIX | Institutional Class | 0.51% | none |
| PLTJX | Class J | 0.67% | none |
| PTCPX | Class R-5 | 0.76% | none |
| PTCAX | Class A | 0.82% | 3.75% |
| PTCMX | Class R-3 | 1.07% | none |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.