- Issuer
- Dimensional
- Inception Date
- Nov 1, 2015
- 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
Loading charts...
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Performance
TDIFX Performance Chart
Dimensional Retirement Income Fund (TDIFX) is up 2.9% since the beginning of the year. TDIFX is currently trading at $12 per share. Investors who bought $1,000 worth of TDIFX shares 5 years ago would now be looking at an investment worth $1,271.
Loading charts...
Returns By Period
Dimensional Retirement Income Fund (TDIFX) has returned 2.88% so far this year and 6.39% over the past 12 months. Over the last ten years, TDIFX has returned 5.06% per year, falling short of the S&P 500 Index benchmark, which averaged 13.70% annually.
Dimensional Retirement Income Fund
- 1D
- -0.32%
- 1M
- -0.08%
- YTD
- 2.88%
- 6M
- 2.54%
- 1Y
- 6.39%
- 3Y*
- 6.67%
- 5Y*
- 4.91%
- 10Y*
- 5.06%
Benchmark (S&P 500 Index)
- 1D
- -0.10%
- 1M
- -1.54%
- YTD
- 7.49%
- 6M
- 6.15%
- 1Y
- 20.78%
- 3Y*
- 19.17%
- 5Y*
- 11.44%
- 10Y*
- 13.70%
TDIFX Monthly Returns History
Based on dividend-adjusted daily data since Jan 4, 2016, TDIFX's average daily return is +0.02%, while the average monthly return is +0.43%. At this rate, an investment would double in approximately 13.5 years.
Historically, 67% of months were positive and 33% were negative. The best month was Dec 2021 with a return of +8.3%, while the worst month was Sep 2022 at -5.4%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 6 months.
On a daily basis, TDIFX closed higher 47% of trading days. The best single day was Dec 15, 2021 with a return of +7.4%, while the worst single day was Mar 17, 2020 at -2.6%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.00% | 0.99% | -1.75% | 2.50% | 1.06% | -0.88% | 2.88% | ||||||
| 2025 | 1.31% | 1.04% | -0.77% | 0.17% | 0.77% | 0.77% | 0.42% | 1.69% | 0.77% | 0.58% | 0.33% | -0.08% | 7.22% |
| 2024 | 0.45% | 0.54% | 1.15% | -1.33% | 1.97% | 0.85% | 1.50% | 0.87% | 1.33% | -1.20% | 1.22% | -1.26% | 6.21% |
| 2023 | 2.64% | -1.28% | 2.19% | 0.55% | -0.91% | 1.10% | 1.01% | -0.72% | -1.66% | -0.75% | 3.11% | 2.38% | 7.76% |
| 2022 | -1.96% | -0.08% | -0.69% | -2.70% | -0.17% | -3.46% | 4.01% | -2.19% | -5.41% | 1.93% | 2.65% | -1.33% | -9.37% |
| 2021 | 0.17% | -0.25% | 0.56% | 1.69% | 0.91% | 0.32% | 1.74% | 0.33% | -1.22% | 1.41% | 0.00% | 8.29% | 14.53% |
Benchmark Metrics
Dimensional Retirement Income Fund has an annualized alpha of 2.94%, beta of 0.16, and R2 of 0.34 versus S&P 500 Index. Calculated based on daily prices since January 04, 2016.
- This fund participated in 27.95% of S&P 500 Index downside but only 27.02% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.16 may look defensive, but with R2 of 0.34 this fund is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this fund's risk.
- R2 of 0.34 means the benchmark explains less than half of this fund's behavior - treat beta with caution or consider switching to a more representative benchmark.
- Alpha
- 2.94%
- Beta
- 0.16
- R²
- 0.34
- Upside Capture
- 27.02%
- Downside Capture
- 27.95%
Expense Ratio
TDIFX has an expense ratio of 0.06%, which is considered low.
Return for Risk
Risk / Return Rank
TDIFX ranks 64 for risk / return — better than 64% 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 Dimensional Retirement Income Fund (TDIFX) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TDIFX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.37 | ||
| Sortino ratioReturn per unit of downside risk | +0.62 | ||
| Omega ratioGain probability vs. loss probability | 1.40 | 1.30 | +0.10 |
| Calmar ratioReturn relative to maximum drawdown | 2.81 | 2.29 | +0.52 |
| Martin ratioReturn relative to average drawdown | 11.89 | 10.15 | +1.75 |
Dividends
Dividend History
Dimensional Retirement Income Fund provided a 2.01% dividend yield over the last twelve months, with an annual payout of $0.25 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.25 | $0.21 | $0.35 | $0.34 | $0.50 | $1.15 | $0.16 | $0.22 | $0.21 | $0.10 | $0.09 |
Dividend yield | 2.01% | 1.77% | 3.11% | 3.09% | 4.66% | 9.39% | 1.39% | 1.98% | 2.11% | 0.98% | 0.89% |
Monthly Dividends
The table displays the monthly dividend distributions for Dimensional Retirement Income 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 | $0.03 | $0.00 | $0.00 | $0.00 | $0.03 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.11 | $0.21 |
| 2024 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.15 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.35 |
| 2023 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.11 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.11 | $0.34 |
| 2022 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.16 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.09 | $0.50 |
| 2021 | $0.00 | $0.00 | $0.02 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.92 | $1.15 |
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.
Loading charts...
Worst Drawdowns
The table below displays the maximum drawdowns of the Dimensional Retirement Income 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 Dimensional Retirement Income Fund was 12.21%, occurring on Sep 30, 2022. Recovery took 407 trading sessions.
The current Dimensional Retirement Income Fund drawdown is 0.96%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -12.21%Sep 2022 | 9mo | 1y 7mo | 2y 4moJan 2022 - May 2024 |
COVID crash2020 | -9.98%Mar 2020 | 27d | 2mo 18d | 3mo 15dFeb 2020 - Jun 2020 |
Rate-hike selloffLate 2018 | -4.28%Dec 2018 | 3mo 26d | 2mo 4d | 6moAug 2018 - Feb 2019 |
2025 selloff2025 | -3.51%Apr 2025 | 1mo 6d | 1mo 7d | 2mo 13dMar 2025 - May 2025 |
2018 pullback2018 | -2.62%Feb 2018 | 10d | 6mo 15d | 6mo 25dJan 2018 - Aug 2018 |
Drawdown Indicators
| TDIFX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -12.21% | -56.78% | +44.57% |
Max Drawdown (1Y)Largest decline over 1 year | -2.61% | -9.10% | +6.49% |
Max Drawdown (3Y)Largest decline over 3 years | -3.51% | -18.90% | +15.39% |
Max Drawdown (5Y)Largest decline over 5 years | -12.21% | -25.43% | +13.22% |
Max Drawdown (10Y)Largest decline over 10 years | -12.21% | -33.92% | +21.71% |
Current DrawdownCurrent decline from peak | -0.96% | -3.31% | +2.35% |
Average DrawdownAverage peak-to-trough decline | -1.74% | -10.71% | +8.97% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.59% | 2.05% | -1.46% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
Loading charts...
Build a portfolio with TDIFX
Add Dimensional Retirement Income Fund to a portfolio and analyze allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Analyzer with TDIFX