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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in TIAA-CREF Lifecycle 2025 Fund, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Returns By Period
TIAA-CREF Lifecycle 2025 Fund (TCLFX) has returned -2.83% so far this year and 9.28% over the past 12 months. Over the last ten years, TCLFX has returned 6.83% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
TIAA-CREF Lifecycle 2025 Fund
- 1D
- -0.07%
- 1M
- -5.26%
- YTD
- -2.83%
- 6M
- -0.86%
- 1Y
- 9.28%
- 3Y*
- 8.84%
- 5Y*
- 4.28%
- 10Y*
- 6.83%
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Oct 6, 2004, TCLFX's average daily return is +0.03%, while the average monthly return is +0.52%. At this rate, your investment would double in approximately 11.1 years.
Historically, 65% of months were positive and 35% were negative. The best month was Apr 2009 with a return of +9.0%, while the worst month was Oct 2008 at -15.4%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TCLFX closed higher 51% of trading days. The best single day was Oct 13, 2008 with a return of +9.0%, while the worst single day was Oct 15, 2008 at -7.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.45% | 1.10% | -5.26% | -2.83% | |||||||||
| 2025 | 1.91% | 0.42% | -2.00% | 0.21% | 2.53% | 2.88% | 0.40% | 1.86% | 1.96% | 1.34% | 0.32% | 0.35% | 12.77% |
| 2024 | 0.30% | 1.93% | 2.11% | -2.71% | 2.71% | 1.36% | 1.69% | 1.52% | 1.30% | -1.75% | 2.19% | -1.99% | 8.81% |
| 2023 | 4.61% | -2.28% | 2.09% | 0.87% | -0.86% | 2.99% | 1.91% | -1.73% | -2.98% | -1.81% | 5.77% | 4.02% | 12.83% |
| 2022 | -3.66% | -2.14% | 0.07% | -5.43% | 0.30% | -5.51% | 4.88% | -2.70% | -6.40% | 3.22% | 5.11% | -2.46% | -14.54% |
| 2021 | -0.54% | 1.57% | 1.01% | 2.86% | 0.97% | 1.02% | 0.70% | 1.26% | -2.61% | 2.61% | -1.80% | 2.17% | 9.44% |
Benchmark Metrics
TIAA-CREF Lifecycle 2025 Fund has an annualized alpha of 0.21%, beta of 0.64, and R² of 0.91 versus S&P 500 Index. Calculated based on daily prices since October 07, 2004.
- This fund participated in 73.28% of S&P 500 Index downside but only 65.36% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.64 indicates this fund moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 0.21%
- Beta
- 0.64
- R²
- 0.91
- Upside Capture
- 65.36%
- Downside Capture
- 73.28%
Expense Ratio
TCLFX has an expense ratio of 0.52%, placing it in the medium range.
Return for Risk
Risk / Return Rank
TCLFX ranks 63 for risk / return — better than 63% of mutual funds on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for TIAA-CREF Lifecycle 2025 Fund (TCLFX) and compare them to a chosen benchmark (S&P 500 Index).
| TCLFX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.18 | 0.90 | +0.28 |
Sortino ratioReturn per unit of downside risk | 1.67 | 1.39 | +0.28 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.21 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.45 | 1.40 | +0.05 |
Martin ratioReturn relative to average drawdown | 6.14 | 6.61 | -0.46 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore TCLFX risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
TIAA-CREF Lifecycle 2025 Fund provided a 4.95% dividend yield over the last twelve months, with an annual payout of $0.73 per share. The fund has been increasing its distributions for 2 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.73 | $0.73 | $0.48 | $0.29 | $0.68 | $1.11 | $0.70 | $0.48 | $0.77 | $0.31 | $0.61 | $0.57 |
Dividend yield | 4.95% | 4.81% | 3.42% | 2.14% | 5.63% | 7.38% | 4.75% | 3.53% | 6.46% | 2.33% | 5.05% | 4.79% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle 2025 Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.73 | $0.73 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.48 | $0.48 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.29 | $0.29 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.68 | $0.68 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.11 | $1.11 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the TIAA-CREF Lifecycle 2025 Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the TIAA-CREF Lifecycle 2025 Fund was 48.12%, occurring on Mar 9, 2009. Recovery took 769 trading sessions.
The current TIAA-CREF Lifecycle 2025 Fund drawdown is 5.50%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -48.12% | Nov 1, 2007 | 339 | Mar 9, 2009 | 769 | Mar 26, 2012 | 1108 |
| -22.98% | Feb 20, 2020 | 23 | Mar 23, 2020 | 93 | Aug 4, 2020 | 116 |
| -20.28% | Nov 9, 2021 | 235 | Oct 14, 2022 | 397 | May 15, 2024 | 632 |
| -14.73% | May 22, 2015 | 183 | Feb 11, 2016 | 210 | Dec 9, 2016 | 393 |
| -13.18% | Jan 29, 2018 | 229 | Dec 24, 2018 | 121 | Jun 19, 2019 | 350 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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