- ISIN
- US87245R8705
- Issuer
- TIAA Investments
- Inception Date
- Dec 8, 2011
- Category
- Diversified Portfolio
- Min. Investment
- $2,000,000
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
TCSIX Performance Chart
TIAA-CREF Lifestyle Conservative Fund (TCSIX) is up 3.7% since the beginning of the year. TCSIX is currently trading at $14 per share. Investors who bought $1,000 worth of TCSIX shares 5 years ago would now be looking at an investment worth $1,249.
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Returns By Period
TIAA-CREF Lifestyle Conservative Fund (TCSIX) has returned 3.72% so far this year and 12.61% over the past 12 months. Over the last ten years, TCSIX has returned 6.20% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
TIAA-CREF Lifestyle Conservative Fund
- 1D
- 0.07%
- 1M
- 1.60%
- YTD
- 3.72%
- 6M
- 4.30%
- 1Y
- 12.61%
- 3Y*
- 10.34%
- 5Y*
- 4.55%
- 10Y*
- 6.20%
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%
TCSIX Monthly Returns History
Based on dividend-adjusted daily data since Jan 3, 2012, TCSIX's average daily return is +0.03%, while the average monthly return is +0.53%. At this rate, an investment would double in approximately 10.9 years.
Historically, 69% of months were positive and 31% were negative. The best month was Apr 2020 with a return of +6.2%, while the worst month was Mar 2020 at -8.4%. The longest winning streak lasted 12 consecutive months, and the longest losing streak was 4 months.
On a daily basis, TCSIX closed higher 50% of trading days. The best single day was Mar 24, 2020 with a return of +3.1%, while the worst single day was Mar 16, 2020 at -4.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.27% | 1.25% | -4.28% | 3.95% | 1.61% | 0.07% | 3.72% | ||||||
| 2025 | 1.66% | 0.62% | -1.71% | 0.24% | 2.21% | 2.69% | 0.30% | 1.73% | 1.86% | 1.17% | 0.43% | 0.26% | 12.00% |
| 2024 | 0.33% | 1.57% | 1.87% | -2.49% | 2.55% | 1.33% | 1.67% | 1.57% | 1.30% | -1.76% | 2.03% | -1.78% | 8.33% |
| 2023 | 4.52% | -2.08% | 1.93% | 0.96% | -0.78% | 2.43% | 1.71% | -1.34% | -2.69% | -1.67% | 5.56% | 3.89% | 12.70% |
| 2022 | -3.23% | -2.05% | -0.44% | -4.84% | 0.16% | -4.73% | 4.15% | -2.40% | -5.71% | 2.36% | 4.78% | -2.00% | -13.68% |
| 2021 | -0.44% | 0.95% | 0.60% | 2.24% | 0.71% | 0.90% | 0.63% | 0.90% | -2.15% | 1.90% | -1.45% | 1.58% | 6.46% |
Benchmark Metrics
TIAA-CREF Lifestyle Conservative Fund has an annualized alpha of 0.99%, beta of 0.39, and R2 of 0.86 versus S&P 500 Index. Calculated based on daily prices since January 04, 2012.
- This fund participated in 52.49% of S&P 500 Index downside but only 43.36% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.39 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
- 0.99%
- Beta
- 0.39
- R²
- 0.86
- Upside Capture
- 43.36%
- Downside Capture
- 52.49%
Expense Ratio
TCSIX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TCSIX ranks 50 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 Lifestyle Conservative Fund (TCSIX) and compare them to S&P 500 Index.
| TCSIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.15 | 2.39 | -0.24 |
Sortino ratioReturn per unit of downside risk | 3.08 | 3.25 | -0.18 |
Omega ratioGain probability vs. loss probability | 1.42 | 1.43 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 2.25 | 3.11 | -0.86 |
Martin ratioReturn relative to average drawdown | 10.30 | 14.38 | -4.08 |
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 Lifestyle Conservative Fund provided a 4.76% dividend yield over the last twelve months, with an annual payout of $0.66 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 | $0.66 | $0.75 | $0.42 | $0.36 | $0.70 | $1.00 | $0.65 | $0.46 | $0.50 | $0.22 | $0.41 | $0.29 |
Dividend yield | 4.76% | 5.59% | 3.28% | 2.96% | 6.28% | 7.32% | 4.75% | 3.57% | 4.36% | 1.77% | 3.57% | 2.56% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifestyle Conservative 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 | $0.09 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.48 | $0.75 |
| 2024 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.16 | $0.42 |
| 2023 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.15 | $0.36 |
| 2022 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.55 | $0.70 |
| 2021 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.87 | $1.00 |
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 Lifestyle Conservative 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 Lifestyle Conservative Fund was 19.12%, occurring on Oct 14, 2022. Recovery took 397 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -19.12%Oct 2022 | 11mo 9d | 1y 7mo | 2y 6moNov 2021 - May 2024 |
COVID crash2020 | -18.29%Mar 2020 | 1mo 2d | 3mo 24d | 4mo 26dFeb 2020 - Jul 2020 |
Rate-hike selloffLate 2018 | -9.34%Dec 2018 | 10mo 29d | 3mo 12d | 1y 2moJan 2018 - Apr 2019 |
2016 pullback2016 | -9.28%Feb 2016 | 9mo 20d | 5mo 19d | 1y 3moApr 2015 - Jul 2016 |
2025 selloff2025 | -6.81%Apr 2025 | 1mo 18d | 1mo 8d | 2mo 26dFeb 2025 - May 2025 |
Drawdown Indicators
| TCSIX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.12% | -56.78% | +37.66% |
Max Drawdown (1Y)Largest decline over 1 year | -5.73% | -9.10% | +3.37% |
Max Drawdown (3Y)Largest decline over 3 years | -6.81% | -18.90% | +12.09% |
Max Drawdown (5Y)Largest decline over 5 years | -19.12% | -25.43% | +6.31% |
Max Drawdown (10Y)Largest decline over 10 years | -19.12% | -33.92% | +14.80% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -2.66% | -10.72% | +8.06% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.25% | 1.97% | -0.72% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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