- ISIN
- US87244W4252
- Issuer
- TIAA Investments
- Inception Date
- Oct 14, 2004
- Category
- Target Retirement Date
- Min. Investment
- $0
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
TCLFX Performance Chart
TIAA-CREF Lifecycle 2025 Fund (TCLFX) is up 5.1% since the beginning of the year. TCLFX is currently trading at $16 per share. Investors who bought $1,000 worth of TCLFX shares 5 years ago would now be looking at an investment worth $1,282.
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Returns By Period
TIAA-CREF Lifecycle 2025 Fund (TCLFX) has returned 5.13% so far this year and 14.59% over the past 12 months. Over the last ten years, TCLFX has returned 7.44% per year, falling short of the S&P 500 Index benchmark, which averaged 13.66% annually.
TIAA-CREF Lifecycle 2025 Fund
- 1D
- 0.13%
- 1M
- 2.17%
- YTD
- 5.13%
- 6M
- 5.50%
- 1Y
- 14.59%
- 3Y*
- 11.26%
- 5Y*
- 5.09%
- 10Y*
- 7.44%
Benchmark (S&P 500 Index)
- 1D
- -0.74%
- 1M
- 4.90%
- YTD
- 10.35%
- 6M
- 10.28%
- 1Y
- 26.52%
- 3Y*
- 20.83%
- 5Y*
- 12.30%
- 10Y*
- 13.66%
TCLFX Monthly Returns History
Based on dividend-adjusted daily data since Oct 6, 2004, TCLFX's average daily return is +0.03%, while the average monthly return is +0.55%. At this rate, an investment would double in approximately 10.5 years.
Historically, 66% of months were positive and 34% 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% | -3.85% | 4.60% | 1.78% | 0.13% | 5.13% | ||||||
| 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 0.03%, 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 73.37% of S&P 500 Index downside but only 64.48% 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
- 0.03%
- Beta
- 0.64
- R²
- 0.91
- Upside Capture
- 64.48%
- Downside Capture
- 73.37%
Expense Ratio
TCLFX has an expense ratio of 0.52%, placing it in the medium range.
Return for Risk
Risk / Return Rank
TCLFX ranks 61 for risk / return — better than 61% 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 S&P 500 Index.
| TCLFX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.34 | 2.24 | +0.10 |
Sortino ratioReturn per unit of downside risk | 3.40 | 3.07 | +0.33 |
Omega ratioGain probability vs. loss probability | 1.45 | 1.41 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 2.76 | 2.93 | -0.17 |
Martin ratioReturn relative to average drawdown | 12.18 | 13.52 | -1.34 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
TIAA-CREF Lifecycle 2025 Fund provided a 4.57% 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 | 4.57% | 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 | $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.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -48.12%Mar 2009 | 1y 4mo | 3y 18d | 4y 4moNov 2007 - Mar 2012 |
COVID crash2020 | -22.98%Mar 2020 | 1mo 2d | 4mo 14d | 5mo 16dFeb 2020 - Aug 2020 |
Bear market2022 | -20.28%Oct 2022 | 11mo 9d | 1y 7mo | 2y 6moNov 2021 - May 2024 |
2016 correction2016 | -14.73%Feb 2016 | 8mo 25d | 10mo 2d | 1y 6moMay 2015 - Dec 2016 |
Rate-hike selloffLate 2018 | -13.18%Dec 2018 | 10mo 29d | 5mo 27d | 1y 4moJan 2018 - Jun 2019 |
Drawdown Indicators
| TCLFX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -48.12% | -56.78% | +8.66% |
Max Drawdown (1Y)Largest decline over 1 year | -5.50% | -9.10% | +3.60% |
Max Drawdown (3Y)Largest decline over 3 years | -8.03% | -18.90% | +10.87% |
Max Drawdown (5Y)Largest decline over 5 years | -20.28% | -25.43% | +5.15% |
Max Drawdown (10Y)Largest decline over 10 years | -22.98% | -33.92% | +10.94% |
Current DrawdownCurrent decline from peak | 0.00% | -0.74% | +0.74% |
Average DrawdownAverage peak-to-trough decline | -5.98% | -10.72% | +4.74% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.24% | 1.97% | -0.73% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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