- ISIN
- US87244W4419
- 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
TCLIX Performance Chart
TIAA-CREF Lifecycle 2015 Fund (TCLIX) is up 4.3% since the beginning of the year. TCLIX is currently trading at $14 per share. Investors who bought $1,000 worth of TCLIX shares 5 years ago would now be looking at an investment worth $1,235.
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Returns By Period
TIAA-CREF Lifecycle 2015 Fund (TCLIX) has returned 4.26% so far this year and 12.67% over the past 12 months. Over the last ten years, TCLIX has returned 6.22% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
TIAA-CREF Lifecycle 2015 Fund
- 1D
- 0.07%
- 1M
- 1.48%
- YTD
- 4.26%
- 6M
- 4.82%
- 1Y
- 12.67%
- 3Y*
- 9.81%
- 5Y*
- 4.32%
- 10Y*
- 6.22%
Benchmark (S&P 500 Index)
- 1D
- 0.13%
- 1M
- 5.25%
- YTD
- 11.16%
- 6M
- 11.43%
- 1Y
- 28.20%
- 3Y*
- 21.12%
- 5Y*
- 12.66%
- 10Y*
- 13.75%
TCLIX Monthly Returns History
Based on dividend-adjusted daily data since Oct 6, 2004, TCLIX's average daily return is +0.02%, while the average monthly return is +0.48%. At this rate, an investment would double in approximately 12.1 years.
Historically, 67% of months were positive and 33% were negative. The best month was Apr 2009 with a return of +7.2%, while the worst month was Oct 2008 at -12.6%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TCLIX closed higher 51% of trading days. The best single day was Oct 13, 2008 with a return of +7.0%, while the worst single day was Oct 15, 2008 at -5.9%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.22% | 1.05% | -3.27% | 3.76% | 1.48% | 0.07% | 4.26% | ||||||
| 2025 | 1.63% | 0.72% | -1.51% | 0.24% | 1.93% | 2.45% | 0.31% | 1.77% | 1.58% | 1.19% | 0.37% | 0.32% | 11.50% |
| 2024 | 0.25% | 1.35% | 1.75% | -2.38% | 2.35% | 1.31% | 1.62% | 1.44% | 1.26% | -1.71% | 1.90% | -1.74% | 7.52% |
| 2023 | 4.04% | -2.12% | 1.98% | 0.71% | -0.88% | 2.30% | 1.56% | -1.45% | -2.59% | -1.60% | 5.14% | 3.67% | 10.90% |
| 2022 | -3.10% | -1.80% | -0.32% | -4.63% | 0.25% | -4.67% | 4.29% | -2.52% | -5.68% | 2.37% | 4.37% | -1.92% | -13.12% |
| 2021 | -0.45% | 0.99% | 0.68% | 2.39% | 0.80% | 0.87% | 0.79% | 1.00% | -2.11% | 2.02% | -1.41% | 1.71% | 7.40% |
Benchmark Metrics
TIAA-CREF Lifecycle 2015 Fund has an annualized alpha of 0.70%, beta of 0.49, and R2 of 0.88 versus S&P 500 Index. Calculated based on daily prices since October 07, 2004.
- This fund participated in 59.08% of S&P 500 Index downside but only 51.84% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.49 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
- 0.70%
- Beta
- 0.49
- R²
- 0.88
- Upside Capture
- 51.84%
- Downside Capture
- 59.08%
Expense Ratio
TCLIX has an expense ratio of 0.52%, placing it in the medium range.
Return for Risk
Risk / Return Rank
TCLIX ranks 67 for risk / return — better than 67% 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 2015 Fund (TCLIX) and compare them to S&P 500 Index.
| TCLIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.44 | 2.39 | +0.05 |
Sortino ratioReturn per unit of downside risk | 3.62 | 3.25 | +0.36 |
Omega ratioGain probability vs. loss probability | 1.48 | 1.43 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 2.82 | 3.11 | -0.30 |
Martin ratioReturn relative to average drawdown | 12.47 | 14.38 | -1.92 |
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 2015 Fund provided a 4.02% dividend yield over the last twelve months, with an annual payout of $0.55 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 | $0.55 | $0.55 | $0.37 | $0.31 | $0.59 | $0.98 | $0.62 | $0.41 | $0.71 | $0.33 | $0.58 | $0.58 |
Dividend yield | 4.02% | 4.19% | 3.02% | 2.59% | 5.45% | 7.41% | 4.72% | 3.32% | 6.45% | 2.66% | 5.08% | 5.19% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle 2015 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 | $0.55 | $0.55 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.37 | $0.37 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.31 | $0.31 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.59 | $0.59 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.98 | $0.98 |
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 2015 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 2015 Fund was 39.84%, occurring on Mar 9, 2009. Recovery took 488 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -39.84%Mar 2009 | 1y 4mo | 1y 11mo | 3y 3moNov 2007 - Feb 2011 |
COVID crash2020 | -18.73%Mar 2020 | 1mo 2d | 4mo | 5mo 2dFeb 2020 - Jul 2020 |
Bear market2022 | -18.04%Oct 2022 | 11mo 9d | 1y 8mo | 2y 7moNov 2021 - Jun 2024 |
2011 correction2011 | -12.60%Oct 2011 | 5mo 4d | 4mo 3d | 9mo 7dMay 2011 - Feb 2012 |
2016 correction2016 | -11.91%Feb 2016 | 9mo 20d | 6mo 28d | 1y 4moApr 2015 - Sep 2016 |
Drawdown Indicators
| TCLIX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -39.84% | -56.78% | +16.94% |
Max Drawdown (1Y)Largest decline over 1 year | -4.60% | -9.10% | +4.50% |
Max Drawdown (3Y)Largest decline over 3 years | -6.10% | -18.90% | +12.80% |
Max Drawdown (5Y)Largest decline over 5 years | -18.04% | -25.43% | +7.39% |
Max Drawdown (10Y)Largest decline over 10 years | -18.73% | -33.92% | +15.19% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -4.53% | -10.72% | +6.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.04% | 1.97% | -0.93% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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