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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in TIAA-CREF Lifecycle Index 2015 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 Index 2015 Fund (TLFIX) has returned -1.91% so far this year and 9.36% over the past 12 months. Over the last ten years, TLFIX has returned 6.17% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
TIAA-CREF Lifecycle Index 2015 Fund
- 1D
- 0.11%
- 1M
- -4.49%
- YTD
- -1.91%
- 6M
- -0.15%
- 1Y
- 9.36%
- 3Y*
- 8.66%
- 5Y*
- 4.32%
- 10Y*
- 6.17%
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 Sep 30, 2009, TLFIX's average daily return is +0.03%, while the average monthly return is +0.55%. At this rate, your investment would double in approximately 10.5 years.
Historically, 67% of months were positive and 33% were negative. The best month was Oct 2011 with a return of +6.5%, while the worst month was Mar 2020 at -6.7%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TLFIX closed higher 51% of trading days. The best single day was Dec 13, 2024 with a return of +7.3%, while the worst single day was Dec 16, 2024 at -6.9%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.46% | 1.22% | -4.49% | -1.91% | |||||||||
| 2025 | 1.71% | 0.93% | -1.32% | 0.52% | 1.96% | 2.61% | 0.33% | 1.87% | 1.89% | 1.11% | 0.37% | 0.31% | 12.94% |
| 2024 | 0.06% | 1.30% | 1.74% | -2.63% | 2.76% | 1.26% | 1.97% | 1.71% | 1.58% | -2.09% | 2.13% | -1.85% | 8.04% |
| 2023 | 4.70% | -2.43% | 2.49% | 0.91% | -1.02% | 2.31% | 1.60% | -1.46% | -2.91% | -1.83% | 5.85% | 3.85% | 12.24% |
| 2022 | -3.08% | -1.64% | -0.56% | -5.09% | 0.47% | -4.40% | 4.42% | -3.00% | -6.36% | 2.26% | 5.25% | -2.31% | -13.81% |
| 2021 | -0.33% | 0.55% | 0.81% | 2.31% | 0.68% | 0.99% | 0.93% | 1.02% | -2.23% | 2.33% | -1.01% | 1.59% | 7.83% |
Benchmark Metrics
TIAA-CREF Lifecycle Index 2015 Fund has an annualized alpha of 1.27%, beta of 0.44, and R² of 0.80 versus S&P 500 Index. Calculated based on daily prices since October 01, 2009.
- This fund participated in 54.94% of S&P 500 Index downside but only 48.42% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.44 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
- 1.27%
- Beta
- 0.44
- R²
- 0.80
- Upside Capture
- 48.42%
- Downside Capture
- 54.94%
Expense Ratio
TLFIX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TLFIX ranks 74 for risk / return — better than 74% 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 Index 2015 Fund (TLFIX) and compare them to a chosen benchmark (S&P 500 Index).
| TLFIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.35 | 0.90 | +0.46 |
Sortino ratioReturn per unit of downside risk | 1.92 | 1.39 | +0.53 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.21 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.73 | 1.40 | +0.33 |
Martin ratioReturn relative to average drawdown | 7.46 | 6.61 | +0.85 |
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 TLFIX 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 Index 2015 Fund provided a 8.16% dividend yield over the last twelve months, with an annual payout of $1.42 per share. The fund has been increasing its distributions for 3 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.42 | $1.42 | $1.36 | $0.68 | $0.53 | $0.97 | $0.50 | $0.41 | $0.48 | $0.03 | $0.35 | $0.04 |
Dividend yield | 8.16% | 8.00% | 7.99% | 4.01% | 3.39% | 5.16% | 2.71% | 2.44% | 3.23% | 0.17% | 2.42% | 0.26% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle Index 2015 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 | $1.42 | $1.42 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.36 | $1.36 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.68 | $0.68 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.53 | $0.53 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.97 | $0.97 |
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 Index 2015 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 Index 2015 Fund was 19.10%, occurring on Oct 14, 2022. Recovery took 411 trading sessions.
The current TIAA-CREF Lifecycle Index 2015 Fund drawdown is 4.65%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -19.1% | Nov 10, 2021 | 234 | Oct 14, 2022 | 411 | Jun 5, 2024 | 645 |
| -17.02% | Feb 20, 2020 | 23 | Mar 23, 2020 | 78 | Jul 14, 2020 | 101 |
| -11.64% | Dec 16, 2024 | 77 | Apr 8, 2025 | 98 | Aug 28, 2025 | 175 |
| -10.63% | May 2, 2011 | 108 | Oct 3, 2011 | 83 | Feb 1, 2012 | 191 |
| -10.37% | Apr 27, 2015 | 202 | Feb 11, 2016 | 126 | Aug 11, 2016 | 328 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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