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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in TIAA-CREF Lifecycle Retirement Income 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 Retirement Income Fund (TLRIX) has returned -2.93% so far this year and 7.59% over the past 12 months. Over the last ten years, TLRIX has returned 5.57% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
TIAA-CREF Lifecycle Retirement Income Fund
- 1D
- 0.00%
- 1M
- -5.07%
- YTD
- -2.93%
- 6M
- -1.04%
- 1Y
- 7.59%
- 3Y*
- 7.63%
- 5Y*
- 3.72%
- 10Y*
- 5.57%
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 Dec 3, 2007, TLRIX's average daily return is +0.02%, while the average monthly return is +0.43%. At this rate, your investment would double in approximately 13.5 years.
Historically, 65% of months were positive and 35% were negative. The best month was Apr 2020 with a return of +5.7%, while the worst month was Oct 2008 at -9.1%. The longest winning streak lasted 12 consecutive months, and the longest losing streak was 4 months.
On a daily basis, TLRIX closed higher 49% of trading days. The best single day was Oct 13, 2008 with a return of +4.5%, while the worst single day was Mar 16, 2020 at -4.2%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.26% | 0.99% | -5.07% | -2.93% | |||||||||
| 2025 | 1.60% | 0.79% | -1.50% | 0.27% | 1.94% | 2.46% | 0.34% | 1.80% | 1.62% | 1.17% | 0.41% | 0.36% | 11.79% |
| 2024 | 0.37% | 1.19% | 1.77% | -2.34% | 2.39% | 1.24% | 1.61% | 1.50% | 1.23% | -1.64% | 1.93% | -1.72% | 7.65% |
| 2023 | 3.95% | -2.09% | 1.99% | 0.77% | -0.85% | 2.16% | 1.51% | -1.30% | -2.54% | -1.56% | 5.04% | 3.58% | 10.80% |
| 2022 | -2.93% | -1.68% | -0.41% | -4.39% | 0.27% | -4.38% | 4.06% | -2.36% | -5.55% | 2.19% | 4.29% | -1.84% | -12.53% |
| 2021 | -0.40% | 0.81% | 0.58% | 2.25% | 0.79% | 0.87% | 0.85% | 0.85% | -1.87% | 1.80% | -1.23% | 1.62% | 7.06% |
Benchmark Metrics
TIAA-CREF Lifecycle Retirement Income Fund has an annualized alpha of 1.53%, beta of 0.36, and R² of 0.87 versus S&P 500 Index. Calculated based on daily prices since December 04, 2007.
- This fund participated in 48.12% of S&P 500 Index downside but only 43.00% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.36 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
- 1.53%
- Beta
- 0.36
- R²
- 0.87
- Upside Capture
- 43.00%
- Downside Capture
- 48.12%
Expense Ratio
TLRIX has an expense ratio of 0.26%, which is considered low.
Return for Risk
Risk / Return Rank
TLRIX ranks 63 for risk / return — better than 63% 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 Retirement Income Fund (TLRIX) and compare them to a chosen benchmark (S&P 500 Index).
| TLRIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.20 | 0.90 | +0.30 |
Sortino ratioReturn per unit of downside risk | 1.67 | 1.39 | +0.29 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.21 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.39 | 1.40 | -0.01 |
Martin ratioReturn relative to average drawdown | 6.17 | 6.61 | -0.43 |
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 TLRIX 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 Retirement Income Fund provided a 4.72% dividend yield over the last twelve months, with an annual payout of $0.55 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 | $0.55 | $0.63 | $0.40 | $0.36 | $0.62 | $0.94 | $0.71 | $0.45 | $0.64 | $0.25 | $0.41 | $0.32 |
Dividend yield | 4.72% | 5.23% | 3.53% | 3.32% | 6.10% | 7.66% | 5.77% | 3.85% | 6.04% | 2.13% | 3.75% | 2.98% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle 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 | $0.00 | $0.00 | |||||||||
| 2025 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.28 | $0.63 |
| 2024 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.16 | $0.40 |
| 2023 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.16 | $0.36 |
| 2022 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.39 | $0.62 |
| 2021 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.79 | $0.94 |
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 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 TIAA-CREF Lifecycle Retirement Income Fund was 26.71%, occurring on Mar 9, 2009. Recovery took 277 trading sessions.
The current TIAA-CREF Lifecycle Retirement Income Fund drawdown is 5.23%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -26.71% | Dec 7, 2007 | 314 | Mar 9, 2009 | 277 | Apr 14, 2010 | 591 |
| -17.15% | Nov 10, 2021 | 234 | Oct 14, 2022 | 397 | May 15, 2024 | 631 |
| -16.97% | Feb 20, 2020 | 23 | Mar 23, 2020 | 82 | Jul 20, 2020 | 105 |
| -9.57% | Apr 27, 2015 | 202 | Feb 11, 2016 | 116 | Jul 28, 2016 | 318 |
| -8.23% | Jul 25, 2011 | 50 | Oct 3, 2011 | 78 | Jan 25, 2012 | 128 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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