- ISIN
- US87244W4179
- 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
TCLNX Performance Chart
TIAA-CREF Lifecycle 2030 Fund (TCLNX) is up 6.2% since the beginning of the year. TCLNX is currently trading at $17 per share. Investors who bought $1,000 worth of TCLNX shares 5 years ago would now be looking at an investment worth $1,333.
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Returns By Period
TIAA-CREF Lifecycle 2030 Fund (TCLNX) has returned 6.22% so far this year and 16.68% over the past 12 months. Over the last ten years, TCLNX has returned 8.29% per year, falling short of the S&P 500 Index benchmark, which averaged 13.66% annually.
TIAA-CREF Lifecycle 2030 Fund
- 1D
- 0.35%
- 1M
- 2.89%
- YTD
- 6.22%
- 6M
- 6.60%
- 1Y
- 16.68%
- 3Y*
- 12.62%
- 5Y*
- 5.92%
- 10Y*
- 8.29%
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%
TCLNX Monthly Returns History
Based on dividend-adjusted daily data since Oct 6, 2004, TCLNX's average daily return is +0.03%, while the average monthly return is +0.59%. At this rate, an investment would double in approximately 9.8 years.
Historically, 65% of months were positive and 35% were negative. The best month was Apr 2009 with a return of +9.8%, while the worst month was Oct 2008 at -16.8%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 6 months.
On a daily basis, TCLNX closed higher 52% of trading days. The best single day was Oct 13, 2008 with a return of +9.7%, while the worst single day was Oct 15, 2008 at -8.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.65% | 1.14% | -4.33% | 5.33% | 2.00% | 0.52% | 6.22% | ||||||
| 2025 | 2.12% | 0.26% | -2.46% | 0.27% | 3.11% | 3.15% | 0.44% | 2.04% | 2.19% | 1.43% | 0.35% | 0.36% | 13.93% |
| 2024 | 0.28% | 2.46% | 2.27% | -2.89% | 2.98% | 1.48% | 1.66% | 1.63% | 1.28% | -1.77% | 2.45% | -2.21% | 9.81% |
| 2023 | 5.08% | -2.42% | 2.17% | 0.91% | -0.83% | 3.56% | 2.19% | -1.86% | -3.28% | -1.96% | 6.30% | 4.22% | 14.38% |
| 2022 | -4.06% | -2.32% | 0.34% | -5.94% | 0.36% | -6.15% | 5.34% | -2.82% | -6.92% | 3.92% | 5.54% | -2.87% | -15.45% |
| 2021 | -0.59% | 1.91% | 1.29% | 3.25% | 0.99% | 1.16% | 0.60% | 1.50% | -2.96% | 3.05% | -2.13% | 2.54% | 10.92% |
Benchmark Metrics
TIAA-CREF Lifecycle 2030 Fund has an annualized alpha of -0.27%, beta of 0.72, and R2 of 0.93 versus S&P 500 Index. Calculated based on daily prices since October 07, 2004.
- This fund participated in 81.05% of S&P 500 Index downside but only 72.03% of its upside - more exposed to losses than it benefited from rallies.
- Alpha
- -0.27%
- Beta
- 0.72
- R²
- 0.93
- Upside Capture
- 72.03%
- Downside Capture
- 81.05%
Expense Ratio
TCLNX has an expense ratio of 0.51%, placing it in the medium range.
Return for Risk
Risk / Return Rank
TCLNX ranks 59 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for TIAA-CREF Lifecycle 2030 Fund (TCLNX) and compare them to S&P 500 Index.
| TCLNX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.28 | 2.24 | +0.03 |
Sortino ratioReturn per unit of downside risk | 3.29 | 3.07 | +0.21 |
Omega ratioGain probability vs. loss probability | 1.43 | 1.41 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 2.72 | 2.93 | -0.20 |
Martin ratioReturn relative to average drawdown | 11.99 | 13.52 | -1.53 |
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 2030 Fund provided a 4.45% dividend yield over the last twelve months, with an annual payout of $0.78 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 | $0.78 | $0.78 | $0.47 | $0.26 | $0.72 | $1.19 | $0.75 | $0.51 | $0.79 | $0.34 | $0.62 | $0.59 |
Dividend yield | 4.45% | 4.73% | 3.11% | 1.85% | 5.67% | 7.57% | 4.92% | 3.60% | 6.59% | 2.46% | 5.13% | 4.95% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle 2030 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 | $0.78 | $0.78 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.47 | $0.47 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.26 | $0.26 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.72 | $0.72 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.19 | $1.19 |
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 2030 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 2030 Fund was 51.89%, occurring on Mar 9, 2009. Recovery took 953 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Financial crisis2007–2009 | -51.89%Mar 2009 | 1y 4mo | 3y 9mo | 5y 1moNov 2007 - Dec 2012 |
COVID crash2020 | -25.48%Mar 2020 | 1mo 2d | 4mo 15d | 5mo 17dFeb 2020 - Aug 2020 |
Bear market2022 | -21.70%Oct 2022 | 11mo 9d | 1y 5mo | 2y 4moNov 2021 - Mar 2024 |
2016 correction2016 | -16.23%Feb 2016 | 8mo 25d | 10mo 28d | 1y 7moMay 2015 - Jan 2017 |
Rate-hike selloffLate 2018 | -15.03%Dec 2018 | 10mo 29d | 5mo 28d | 1y 4moJan 2018 - Jun 2019 |
Drawdown Indicators
| TCLNX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.89% | -56.78% | +4.89% |
Max Drawdown (1Y)Largest decline over 1 year | -6.26% | -9.10% | +2.84% |
Max Drawdown (3Y)Largest decline over 3 years | -9.61% | -18.90% | +9.29% |
Max Drawdown (5Y)Largest decline over 5 years | -21.70% | -25.43% | +3.73% |
Max Drawdown (10Y)Largest decline over 10 years | -25.48% | -33.92% | +8.44% |
Current DrawdownCurrent decline from peak | 0.00% | -0.74% | +0.74% |
Average DrawdownAverage peak-to-trough decline | -6.90% | -10.72% | +3.82% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.42% | 1.97% | -0.55% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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