- ISIN
- US87245M7983
- 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
TLQIX Performance Chart
TIAA-CREF Lifecycle Index 2025 Fund (TLQIX) is up 6.7% since the beginning of the year. TLQIX is currently trading at $25 per share. Investors who bought $1,000 worth of TLQIX shares 5 years ago would now be looking at an investment worth $1,357.
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Returns By Period
TIAA-CREF Lifecycle Index 2025 Fund (TLQIX) has returned 6.73% so far this year and 16.70% over the past 12 months. Over the last ten years, TLQIX has returned 8.22% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
TIAA-CREF Lifecycle Index 2025 Fund
- 1D
- 0.74%
- 1M
- 1.28%
- YTD
- 6.73%
- 6M
- 6.68%
- 1Y
- 16.70%
- 3Y*
- 12.09%
- 5Y*
- 6.30%
- 10Y*
- 8.22%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
TLQIX Monthly Returns History
Based on dividend-adjusted daily data since Oct 1, 2009, TLQIX's average daily return is +0.03%, while the average monthly return is +0.70%. At this rate, an investment would double in approximately 8.3 years.
Historically, 68% of months were positive and 32% were negative. The best month was Oct 2011 with a return of +8.2%, while the worst month was Mar 2020 at -8.5%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TLQIX closed higher 53% of trading days. The best single day was Dec 13, 2024 with a return of +5.2%, while the worst single day was Mar 16, 2020 at -6.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.74% | 1.32% | -3.88% | 4.95% | 2.46% | 0.16% | 6.73% | ||||||
| 2025 | 2.01% | 0.73% | -1.73% | 0.51% | 2.54% | 3.02% | 0.39% | 2.05% | 2.17% | 1.29% | 0.33% | 0.41% | 14.51% |
| 2024 | 0.05% | 1.89% | 2.05% | -2.94% | 3.12% | 1.35% | 2.02% | 1.85% | 1.73% | -2.22% | 2.49% | -2.08% | 9.46% |
| 2023 | 5.35% | -2.61% | 2.63% | 0.92% | -0.97% | 3.03% | 1.94% | -1.81% | -3.18% | -2.11% | 6.56% | 4.17% | 14.18% |
| 2022 | -3.52% | -1.94% | -0.14% | -5.85% | 0.55% | -5.23% | 5.05% | -3.25% | -7.04% | 3.01% | 6.00% | -2.82% | -15.04% |
| 2021 | -0.38% | 1.04% | 1.17% | 2.83% | 0.77% | 1.16% | 0.88% | 1.31% | -2.68% | 2.93% | -1.30% | 2.07% | 10.12% |
Benchmark Metrics
TIAA-CREF Lifecycle Index 2025 Fund has an annualized alpha of 0.93%, beta of 0.58, and R2 of 0.88 versus S&P 500 Index. Calculated based on daily prices since October 01, 2009.
- This fund participated in 67.31% of S&P 500 Index downside but only 60.36% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.58 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
- 0.93%
- Beta
- 0.58
- R²
- 0.88
- Upside Capture
- 60.36%
- Downside Capture
- 67.31%
Expense Ratio
TLQIX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TLQIX ranks 72 for risk / return — better than 72% 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 2025 Fund (TLQIX) 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.
| TLQIX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.24 | ||
| Sortino ratioReturn per unit of downside risk | +0.47 | ||
| Omega ratioGain probability vs. loss probability | 1.44 | 1.37 | +0.07 |
| Calmar ratioReturn relative to maximum drawdown | 3.01 | 2.78 | +0.22 |
| Martin ratioReturn relative to average drawdown | 12.96 | 12.44 | +0.52 |
Dividends
Dividend History
TIAA-CREF Lifecycle Index 2025 Fund provided a 5.74% dividend yield over the last twelve months, with an annual payout of $1.41 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 | $1.41 | $1.41 | $1.24 | $0.53 | $0.55 | $0.88 | $0.46 | $0.46 | $0.44 | $0.02 | $0.37 | $0.03 |
Dividend yield | 5.74% | 6.12% | 5.79% | 2.58% | 2.99% | 3.94% | 2.15% | 2.44% | 2.73% | 0.13% | 2.43% | 0.23% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle Index 2025 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 | $1.41 | $1.41 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.24 | $1.24 |
| 2023 | $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 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.55 | $0.55 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.88 | $0.88 |
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 2025 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 2025 Fund was 21.30%, occurring on Mar 23, 2020. Recovery took 83 trading sessions.
The current TIAA-CREF Lifecycle Index 2025 Fund drawdown is 0.24%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -21.30%Mar 2020 | 1mo 2d | 4mo | 5mo 2dFeb 2020 - Jul 2020 |
Bear market2022 | -20.99%Oct 2022 | 11mo 9d | 1y 5mo | 2y 4moNov 2021 - Mar 2024 |
2011 correction2011 | -14.90%Oct 2011 | 5mo 4d | 4mo 16d | 9mo 20dMay 2011 - Feb 2012 |
2016 correction2016 | -13.19%Feb 2016 | 9mo 20d | 6mo 28d | 1y 4moApr 2015 - Sep 2016 |
2025 selloff2025 | -11.51%Apr 2025 | 3mo 23d | 2mo 26d | 6mo 19dDec 2024 - Jul 2025 |
Drawdown Indicators
| TLQIX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.30% | -56.78% | +35.48% |
Max Drawdown (1Y)Largest decline over 1 year | -5.55% | -9.10% | +3.55% |
Max Drawdown (3Y)Largest decline over 3 years | -11.51% | -18.90% | +7.39% |
Max Drawdown (5Y)Largest decline over 5 years | -20.99% | -25.43% | +4.44% |
Max Drawdown (10Y)Largest decline over 10 years | -21.30% | -33.92% | +12.62% |
Current DrawdownCurrent decline from peak | -0.24% | -1.80% | +1.56% |
Average DrawdownAverage peak-to-trough decline | -3.29% | -10.71% | +7.42% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.28% | 2.03% | -0.75% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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