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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in TIAA-CREF Lifecycle 2020 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 2020 Fund (TCLTX) has returned -2.54% so far this year and 8.67% over the past 12 months. Over the last ten years, TCLTX has returned 6.20% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
TIAA-CREF Lifecycle 2020 Fund
- 1D
- 0.00%
- 1M
- -4.81%
- YTD
- -2.54%
- 6M
- -0.65%
- 1Y
- 8.67%
- 3Y*
- 8.24%
- 5Y*
- 3.94%
- 10Y*
- 6.20%
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, TCLTX's average daily return is +0.02%, while the average monthly return is +0.49%. At this rate, your investment would double in approximately 11.8 years.
Historically, 66% of months were positive and 34% were negative. The best month was Apr 2009 with a return of +8.1%, while the worst month was Oct 2008 at -14.0%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TCLTX closed higher 51% of trading days. The best single day was Oct 13, 2008 with a return of +7.9%, while the worst single day was Oct 15, 2008 at -6.6%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.34% | 1.04% | -4.81% | -2.54% | |||||||||
| 2025 | 1.74% | 0.59% | -1.77% | 0.23% | 2.25% | 2.64% | 0.36% | 1.78% | 1.82% | 1.24% | 0.34% | 0.34% | 12.09% |
| 2024 | 0.32% | 1.58% | 1.94% | -2.59% | 2.58% | 1.30% | 1.66% | 1.48% | 1.31% | -1.73% | 2.05% | -1.85% | 8.17% |
| 2023 | 4.31% | -2.23% | 2.03% | 0.75% | -0.82% | 2.57% | 1.70% | -1.51% | -2.83% | -1.66% | 5.41% | 3.80% | 11.68% |
| 2022 | -3.32% | -1.97% | -0.22% | -4.93% | 0.24% | -4.94% | 4.46% | -2.53% | -6.00% | 2.67% | 4.70% | -2.14% | -13.76% |
| 2021 | -0.43% | 1.14% | 0.78% | 2.59% | 0.89% | 0.95% | 0.74% | 1.06% | -2.30% | 2.22% | -1.52% | 1.89% | 8.19% |
Benchmark Metrics
TIAA-CREF Lifecycle 2020 Fund has an annualized alpha of 0.52%, beta of 0.56, and R² of 0.90 versus S&P 500 Index. Calculated based on daily prices since October 07, 2004.
- This fund participated in 65.72% of S&P 500 Index downside but only 58.35% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.56 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
- 0.52%
- Beta
- 0.56
- R²
- 0.90
- Upside Capture
- 58.35%
- Downside Capture
- 65.72%
Expense Ratio
TCLTX has an expense ratio of 0.52%, placing it in the medium range.
Return for Risk
Risk / Return Rank
TCLTX 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 2020 Fund (TCLTX) and compare them to a chosen benchmark (S&P 500 Index).
| TCLTX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.23 | 0.90 | +0.34 |
Sortino ratioReturn per unit of downside risk | 1.74 | 1.39 | +0.35 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.21 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.52 | 1.40 | +0.12 |
Martin ratioReturn relative to average drawdown | 6.37 | 6.61 | -0.24 |
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 TCLTX 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 2020 Fund provided a 4.60% dividend yield over the last twelve months, with an annual payout of $0.64 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 | $0.64 | $0.64 | $0.44 | $0.30 | $0.62 | $1.06 | $0.69 | $0.44 | $0.76 | $0.32 | $0.60 | $0.54 |
Dividend yield | 4.60% | 4.49% | 3.33% | 2.38% | 5.36% | 7.49% | 4.91% | 3.36% | 6.53% | 2.44% | 5.09% | 4.63% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle 2020 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 | $0.64 | $0.64 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.44 | $0.44 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.30 | $0.30 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.62 | $0.62 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.06 | $1.06 |
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 2020 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 2020 Fund was 44.15%, occurring on Mar 9, 2009. Recovery took 539 trading sessions.
The current TIAA-CREF Lifecycle 2020 Fund drawdown is 5.01%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -44.15% | Nov 1, 2007 | 339 | Mar 9, 2009 | 539 | Apr 27, 2011 | 878 |
| -20.39% | Feb 20, 2020 | 23 | Mar 23, 2020 | 84 | Jul 22, 2020 | 107 |
| -18.99% | Nov 9, 2021 | 235 | Oct 14, 2022 | 411 | Jun 5, 2024 | 646 |
| -14.77% | May 2, 2011 | 108 | Oct 3, 2011 | 94 | Feb 16, 2012 | 202 |
| -13.16% | Apr 27, 2015 | 202 | Feb 11, 2016 | 144 | Sep 7, 2016 | 346 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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