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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in TIAA-CREF Lifecycle Index 2020 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 2020 Fund (TLWIX) has returned -2.15% so far this year and 10.02% over the past 12 months. Over the last ten years, TLWIX has returned 6.70% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
TIAA-CREF Lifecycle Index 2020 Fund
- 1D
- 0.10%
- 1M
- -4.92%
- YTD
- -2.15%
- 6M
- -0.28%
- 1Y
- 10.02%
- 3Y*
- 9.23%
- 5Y*
- 4.67%
- 10Y*
- 6.70%
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, TLWIX's average daily return is +0.03%, while the average monthly return is +0.60%. At this rate, your investment would double in approximately 9.7 years.
Historically, 67% of months were positive and 33% were negative. The best month was Oct 2011 with a return of +7.4%, while the worst month was Mar 2020 at -7.4%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TLWIX closed higher 52% of trading days. The best single day was Dec 13, 2024 with a return of +6.3%, while the worst single day was Dec 16, 2024 at -6.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.60% | 1.28% | -4.92% | -2.15% | |||||||||
| 2025 | 1.86% | 0.89% | -1.55% | 0.52% | 2.24% | 2.81% | 0.35% | 1.98% | 2.04% | 1.19% | 0.33% | 0.39% | 13.75% |
| 2024 | 0.11% | 1.51% | 1.91% | -2.76% | 2.89% | 1.30% | 2.01% | 1.76% | 1.68% | -2.19% | 2.34% | -1.99% | 8.69% |
| 2023 | 4.95% | -2.53% | 2.59% | 0.90% | -1.00% | 2.64% | 1.75% | -1.62% | -3.07% | -1.92% | 6.10% | 4.04% | 13.06% |
| 2022 | -3.28% | -1.77% | -0.41% | -5.43% | 0.55% | -4.79% | 4.68% | -3.11% | -6.64% | 2.53% | 5.59% | -2.50% | -14.37% |
| 2021 | -0.35% | 0.76% | 0.96% | 2.49% | 0.73% | 1.06% | 0.91% | 1.14% | -2.44% | 2.59% | -1.12% | 1.78% | 8.73% |
Benchmark Metrics
TIAA-CREF Lifecycle Index 2020 Fund has an annualized alpha of 1.07%, beta of 0.50, and R² of 0.84 versus S&P 500 Index. Calculated based on daily prices since October 01, 2009.
- This fund participated in 61.25% of S&P 500 Index downside but only 54.11% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.50 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
- 1.07%
- Beta
- 0.50
- R²
- 0.84
- Upside Capture
- 54.11%
- Downside Capture
- 61.25%
Expense Ratio
TLWIX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TLWIX 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 2020 Fund (TLWIX) and compare them to a chosen benchmark (S&P 500 Index).
| TLWIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.30 | 0.90 | +0.40 |
Sortino ratioReturn per unit of downside risk | 1.85 | 1.39 | +0.47 |
Omega ratioGain probability vs. loss probability | 1.27 | 1.21 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.65 | 1.40 | +0.25 |
Martin ratioReturn relative to average drawdown | 7.26 | 6.61 | +0.66 |
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 TLWIX 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 2020 Fund provided a 7.55% dividend yield over the last twelve months, with an annual payout of $1.47 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 | $1.47 | $1.47 | $1.32 | $0.64 | $0.55 | $1.06 | $0.46 | $0.41 | $0.45 | $0.02 | $0.35 | $0.03 |
Dividend yield | 7.55% | 7.38% | 6.98% | 3.45% | 3.25% | 5.17% | 2.31% | 2.31% | 2.91% | 0.14% | 2.35% | 0.21% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle Index 2020 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 | $1.47 | $1.47 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.32 | $1.32 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.64 | $0.64 |
| 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 | $1.06 | $1.06 |
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 2020 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 2020 Fund was 19.93%, occurring on Oct 14, 2022. Recovery took 397 trading sessions.
The current TIAA-CREF Lifecycle Index 2020 Fund drawdown is 5.06%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -19.93% | Nov 10, 2021 | 234 | Oct 14, 2022 | 397 | May 15, 2024 | 631 |
| -18.73% | Feb 20, 2020 | 23 | Mar 23, 2020 | 79 | Jul 15, 2020 | 102 |
| -12.72% | May 2, 2011 | 108 | Oct 3, 2011 | 85 | Feb 3, 2012 | 193 |
| -11.72% | Apr 27, 2015 | 202 | Feb 11, 2016 | 128 | Aug 15, 2016 | 330 |
| -11.61% | Dec 16, 2024 | 77 | Apr 8, 2025 | 84 | Aug 8, 2025 | 161 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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