TIAA-CREF Lifecycle 2020 Fund (TCLTX)
The fund is a "fund of funds" that invests in Class W shares of other funds of the Trust and in other investment pools or investment products. Advisors currently expects to allocate approximately 42.00% of the fund's assets to equity underlying funds, 53.00% of its assets to fixed-income underlying funds and 5.00% of its assets to direct real estate underlying funds. Target allocations will change over time and actual allocations may vary up to ten percentage points from the targets.
Fund Info
US87244W4336
Oct 14, 2004
$0
Large-Cap
Blend
Expense Ratio
TCLTX has an expense ratio of 0.52%, placing it in the medium range.
Share Price Chart
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Compare to other instruments
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Performance
Performance Chart
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Returns By Period
TIAA-CREF Lifecycle 2020 Fund (TCLTX) returned 2.19% year-to-date (YTD) and 5.48% over the past 12 months. Over the past 10 years, TCLTX returned 2.42% annually, underperforming the S&P 500 benchmark at 10.78%.
TCLTX
2.19%
3.84%
0.43%
5.48%
4.17%
2.42%
^GSPC (Benchmark)
0.19%
9.00%
-1.55%
12.31%
15.59%
10.78%
Monthly Returns
The table below presents the monthly returns of TCLTX, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 1.74% | 0.59% | -1.77% | 0.23% | 1.42% | 2.19% | |||||||
| 2024 | 0.32% | 1.58% | 1.94% | -2.59% | 2.58% | 1.30% | 1.66% | 1.48% | 1.31% | -1.73% | 2.05% | -2.78% | 7.14% |
| 2023 | 4.31% | -2.23% | 2.03% | 0.75% | -0.82% | 2.57% | 1.70% | -1.51% | -2.83% | -1.66% | 5.41% | 3.79% | 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% | -5.22% | -16.48% |
| 2021 | -0.43% | 1.14% | 0.78% | 2.59% | 0.89% | 0.95% | 0.74% | 1.06% | -2.30% | 2.22% | -1.52% | -3.08% | 2.91% |
| 2020 | 0.15% | -3.26% | -9.17% | 6.64% | 3.48% | 1.95% | 3.30% | 2.97% | -1.51% | -1.02% | 6.36% | -0.24% | 8.93% |
| 2019 | 5.18% | 1.64% | 1.21% | 1.83% | -2.51% | 3.77% | 0.46% | -0.08% | 0.46% | 1.30% | 1.36% | 0.04% | 15.49% |
| 2018 | 2.76% | -2.39% | -0.69% | -0.08% | 0.92% | -0.23% | 1.45% | 0.83% | -0.15% | -4.72% | 0.55% | -7.38% | -9.16% |
| 2017 | 1.86% | 1.83% | 0.73% | 1.46% | 1.20% | 0.24% | 1.81% | 0.69% | 1.23% | 1.29% | 1.12% | -1.60% | 12.46% |
| 2016 | -3.34% | -0.44% | 4.72% | 1.11% | 0.67% | -0.00% | 2.84% | 0.32% | 0.65% | -1.45% | 0.49% | -2.26% | 3.09% |
| 2015 | -0.16% | 3.39% | -0.39% | 0.94% | 0.54% | -1.39% | 0.86% | -4.19% | -1.94% | 4.46% | -0.00% | -6.05% | -4.31% |
| 2014 | -1.74% | 3.55% | -0.55% | 0.00% | 1.65% | 1.46% | -1.52% | 2.24% | -2.19% | 1.23% | 1.37% | -4.47% | 0.76% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of TCLTX is 68, indicating average performance compared to other mutual funds on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for TIAA-CREF Lifecycle 2020 Fund (TCLTX) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
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Dividends
Dividend History
TIAA-CREF Lifecycle 2020 Fund provided a 3.25% dividend yield over the last twelve months, with an annual payout of $0.44 per share.
| Period | TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.44 | $0.44 | $0.30 | $0.62 | $1.06 | $0.69 | $0.44 | $0.76 | $0.59 | $0.60 | $0.75 | $0.76 |
Dividend yield | 3.25% | 3.33% | 2.38% | 5.36% | 7.49% | 4.91% | 3.36% | 6.53% | 4.50% | 5.09% | 6.46% | 6.13% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||
| 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 |
| 2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.69 | $0.69 |
| 2019 | $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 |
| 2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.76 | $0.76 |
| 2017 | $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 |
| 2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.60 | $0.60 |
| 2015 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.75 | $0.75 |
| 2014 | $0.76 | $0.76 |
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 44.92%, occurring on Mar 9, 2009. Recovery took 769 trading sessions.
The current TIAA-CREF Lifecycle 2020 Fund drawdown is 3.66%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -44.92% | Nov 1, 2007 | 338 | Mar 9, 2009 | 769 | Mar 26, 2012 | 1107 |
| -22.93% | Nov 9, 2021 | 235 | Oct 14, 2022 | — | — | — |
| -20.39% | Feb 20, 2020 | 23 | Mar 23, 2020 | 89 | Jul 29, 2020 | 112 |
| -15.48% | Apr 27, 2015 | 202 | Feb 11, 2016 | 316 | May 15, 2017 | 518 |
| -14.76% | Jan 29, 2018 | 229 | Dec 24, 2018 | 217 | Nov 4, 2019 | 446 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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