- ISIN
- US87245M8221
- Issuer
- TIAA Investments
- Inception Date
- Sep 29, 2009
- Category
- Target Retirement Date
- Min. Investment
- $10,000,000
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
TLFIX Performance Chart
TIAA-CREF Lifecycle Index 2015 Fund (TLFIX) is up 5.6% since the beginning of the year. TLFIX is currently trading at $19 per share. Investors who bought $1,000 worth of TLFIX shares 5 years ago would now be looking at an investment worth $1,288.
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Returns By Period
TIAA-CREF Lifecycle Index 2015 Fund (TLFIX) has returned 5.57% so far this year and 14.71% over the past 12 months. Over the last ten years, TLFIX has returned 6.80% per year, falling short of the S&P 500 Index benchmark, which averaged 13.75% annually.
TIAA-CREF Lifecycle Index 2015 Fund
- 1D
- 0.11%
- 1M
- 2.12%
- YTD
- 5.57%
- 6M
- 6.12%
- 1Y
- 14.71%
- 3Y*
- 11.00%
- 5Y*
- 5.19%
- 10Y*
- 6.80%
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%
TLFIX Monthly Returns History
Based on dividend-adjusted daily data since Sep 30, 2009, TLFIX's average daily return is +0.03%, while the average monthly return is +0.58%. At this rate, an investment would double in approximately 10.0 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% | -3.29% | 4.02% | 2.07% | 0.11% | 5.57% | ||||||
| 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 1.21%, 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 54.95% of S&P 500 Index downside but only 47.90% 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
- 1.21%
- Beta
- 0.44
- R²
- 0.80
- Upside Capture
- 47.90%
- Downside Capture
- 54.95%
Expense Ratio
TLFIX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TLFIX ranks 75 for risk / return — better than 75% 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 S&P 500 Index.
| TLFIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.59 | 2.39 | +0.20 |
Sortino ratioReturn per unit of downside risk | 3.77 | 3.25 | +0.51 |
Omega ratioGain probability vs. loss probability | 1.50 | 1.43 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 3.14 | 3.11 | +0.03 |
Martin ratioReturn relative to average drawdown | 14.02 | 14.38 | -0.36 |
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 Lifecycle Index 2015 Fund provided a 7.58% 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 | 7.58% | 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 | $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.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -19.10%Oct 2022 | 11mo 8d | 1y 7mo | 2y 6moNov 2021 - Jun 2024 |
COVID crash2020 | -17.02%Mar 2020 | 1mo 2d | 3mo 23d | 4mo 25dFeb 2020 - Jul 2020 |
2025 selloff2025 | -11.64%Apr 2025 | 3mo 23d | 4mo 22d | 8mo 15dDec 2024 - Aug 2025 |
2011 correction2011 | -10.63%Oct 2011 | 5mo 4d | 4mo 1d | 9mo 5dMay 2011 - Feb 2012 |
2016 correction2016 | -10.37%Feb 2016 | 9mo 20d | 6mo 2d | 1y 3moApr 2015 - Aug 2016 |
Drawdown Indicators
| TLFIX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -19.10% | -56.78% | +37.68% |
Max Drawdown (1Y)Largest decline over 1 year | -4.76% | -9.10% | +4.34% |
Max Drawdown (3Y)Largest decline over 3 years | -11.64% | -18.90% | +7.26% |
Max Drawdown (5Y)Largest decline over 5 years | -19.10% | -25.43% | +6.33% |
Max Drawdown (10Y)Largest decline over 10 years | -19.10% | -33.92% | +14.82% |
Current DrawdownCurrent decline from peak | 0.00% | 0.00% | 0.00% |
Average DrawdownAverage peak-to-trough decline | -2.85% | -10.72% | +7.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.06% | 1.97% | -0.91% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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