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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in TIAA-CREF Lifecycle 2035 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 2035 Fund (TCLRX) has returned -3.75% so far this year and 11.37% over the past 12 months. Over the last ten years, TCLRX has returned 8.28% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
TIAA-CREF Lifecycle 2035 Fund
- 1D
- -0.12%
- 1M
- -6.63%
- YTD
- -3.75%
- 6M
- -1.53%
- 1Y
- 11.37%
- 3Y*
- 10.73%
- 5Y*
- 5.42%
- 10Y*
- 8.28%
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, TCLRX's average daily return is +0.03%, while the average monthly return is +0.61%. At this rate, your investment would double in approximately 9.5 years.
Historically, 64% of months were positive and 36% were negative. The best month was Apr 2009 with a return of +10.3%, while the worst month was Oct 2008 at -17.6%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 6 months.
On a daily basis, TCLRX closed higher 52% of trading days. The best single day was Oct 13, 2008 with a return of +10.4%, while the worst single day was Mar 16, 2020 at -8.8%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.85% | 1.21% | -6.63% | -3.75% | |||||||||
| 2025 | 2.40% | -0.00% | -2.88% | 0.25% | 3.64% | 3.51% | 0.52% | 2.17% | 2.41% | 1.58% | 0.32% | 0.39% | 15.07% |
| 2024 | 0.33% | 2.98% | 2.57% | -3.13% | 3.24% | 1.63% | 1.60% | 1.70% | 1.31% | -1.83% | 2.76% | -2.42% | 11.00% |
| 2023 | 5.54% | -2.52% | 2.21% | 1.08% | -0.86% | 4.18% | 2.56% | -2.16% | -3.51% | -2.14% | 6.86% | 4.47% | 16.13% |
| 2022 | -4.39% | -2.52% | 0.65% | -6.48% | 0.34% | -6.70% | 5.79% | -3.05% | -7.43% | 4.78% | 6.04% | -3.27% | -16.19% |
| 2021 | -0.63% | 2.33% | 1.54% | 3.52% | 1.11% | 1.22% | 0.63% | 1.65% | -3.30% | 3.53% | -2.40% | 2.80% | 12.38% |
Benchmark Metrics
TIAA-CREF Lifecycle 2035 Fund has an annualized alpha of -0.21%, beta of 0.80, and R² of 0.94 versus S&P 500 Index. Calculated based on daily prices since October 07, 2004.
- This fund participated in 87.44% of S&P 500 Index downside but only 80.38% of its upside — more exposed to losses than it benefited from rallies.
- Alpha
- -0.21%
- Beta
- 0.80
- R²
- 0.94
- Upside Capture
- 80.38%
- Downside Capture
- 87.44%
Expense Ratio
TCLRX has an expense ratio of 0.50%, placing it in the medium range.
Return for Risk
Risk / Return Rank
TCLRX ranks 54 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 2035 Fund (TCLRX) and compare them to a chosen benchmark (S&P 500 Index).
| TCLRX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.05 | 0.90 | +0.15 |
Sortino ratioReturn per unit of downside risk | 1.52 | 1.39 | +0.13 |
Omega ratioGain probability vs. loss probability | 1.22 | 1.21 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.26 | 1.40 | -0.14 |
Martin ratioReturn relative to average drawdown | 5.54 | 6.61 | -1.07 |
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 TCLRX 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 2035 Fund provided a 5.04% dividend yield over the last twelve months, with an annual payout of $0.87 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 | $0.87 | $0.87 | $0.45 | $0.24 | $0.77 | $1.32 | $0.83 | $0.56 | $0.81 | $0.37 | $0.63 | $0.65 |
Dividend yield | 5.04% | 4.85% | 2.74% | 1.61% | 5.83% | 7.91% | 5.16% | 3.80% | 6.54% | 2.60% | 5.11% | 5.35% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle 2035 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 | $0.87 | $0.87 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.45 | $0.45 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.24 | $0.24 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.77 | $0.77 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.32 | $1.32 |
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 2035 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 2035 Fund was 53.91%, occurring on Mar 9, 2009. Recovery took 962 trading sessions.
The current TIAA-CREF Lifecycle 2035 Fund drawdown is 6.98%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -53.91% | Nov 1, 2007 | 339 | Mar 9, 2009 | 962 | Jan 2, 2013 | 1301 |
| -27.96% | Feb 20, 2020 | 23 | Mar 23, 2020 | 95 | Aug 6, 2020 | 118 |
| -23.09% | Nov 9, 2021 | 235 | Oct 14, 2022 | 345 | Mar 1, 2024 | 580 |
| -17.56% | May 22, 2015 | 183 | Feb 11, 2016 | 226 | Jan 4, 2017 | 409 |
| -16.94% | Jan 29, 2018 | 229 | Dec 24, 2018 | 131 | Jul 3, 2019 | 360 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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