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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in TIAA-CREF Lifecycle Index 2040 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 2040 Fund (TLZIX) has returned -3.64% so far this year and 14.57% over the past 12 months. Over the last ten years, TLZIX has returned 9.85% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
TIAA-CREF Lifecycle Index 2040 Fund
- 1D
- -0.15%
- 1M
- -7.35%
- YTD
- -3.64%
- 6M
- -1.14%
- 1Y
- 14.57%
- 3Y*
- 13.26%
- 5Y*
- 7.37%
- 10Y*
- 9.85%
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 Oct 1, 2009, TLZIX's average daily return is +0.04%, while the average monthly return is +0.85%. At this rate, your investment would double in approximately 6.8 years.
Historically, 68% of months were positive and 32% were negative. The best month was Nov 2020 with a return of +10.3%, while the worst month was Mar 2020 at -11.7%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 5 months.
On a daily basis, TLZIX closed higher 53% of trading days. The best single day was Mar 24, 2020 with a return of +7.1%, while the worst single day was Mar 16, 2020 at -9.3%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.51% | 1.46% | -7.35% | -3.64% | |||||||||
| 2025 | 2.80% | 0.13% | -2.89% | 0.55% | 4.25% | 3.98% | 0.72% | 2.49% | 3.01% | 1.71% | 0.23% | 0.64% | 18.86% |
| 2024 | 0.04% | 3.52% | 2.67% | -3.42% | 3.94% | 1.63% | 2.06% | 2.15% | 1.97% | -2.30% | 3.39% | -2.56% | 13.52% |
| 2023 | 6.75% | -2.93% | 2.77% | 1.16% | -0.94% | 4.75% | 2.92% | -2.49% | -3.89% | -2.62% | 8.11% | 4.83% | 18.98% |
| 2022 | -4.22% | -2.50% | 0.81% | -7.11% | 0.53% | -6.80% | 6.21% | -3.66% | -8.42% | 4.99% | 7.55% | -3.89% | -16.69% |
| 2021 | -0.36% | 1.96% | 2.08% | 3.66% | 1.00% | 1.43% | 0.76% | 1.94% | -3.53% | 4.21% | -1.97% | 3.01% | 14.86% |
Benchmark Metrics
TIAA-CREF Lifecycle Index 2040 Fund has an annualized alpha of 0.30%, beta of 0.80, and R² of 0.95 versus S&P 500 Index. Calculated based on daily prices since October 02, 2009.
- This fund participated in 87.95% of S&P 500 Index downside but only 82.52% of its upside — more exposed to losses than it benefited from rallies.
- Alpha
- 0.30%
- Beta
- 0.80
- R²
- 0.95
- Upside Capture
- 82.52%
- Downside Capture
- 87.95%
Expense Ratio
TLZIX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TLZIX ranks 61 for risk / return — better than 61% 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 2040 Fund (TLZIX) and compare them to a chosen benchmark (S&P 500 Index).
| TLZIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.12 | 0.90 | +0.23 |
Sortino ratioReturn per unit of downside risk | 1.63 | 1.39 | +0.24 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.21 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.34 | 1.40 | -0.06 |
Martin ratioReturn relative to average drawdown | 6.27 | 6.61 | -0.33 |
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 TLZIX 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 2040 Fund provided a 3.96% dividend yield over the last twelve months, with an annual payout of $1.28 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 | $1.28 | $1.28 | $0.73 | $0.56 | $0.60 | $0.82 | $0.49 | $0.50 | $0.48 | $0.03 | $0.44 | $0.05 |
Dividend yield | 3.96% | 3.82% | 2.49% | 2.11% | 2.62% | 2.93% | 1.95% | 2.26% | 2.68% | 0.18% | 2.64% | 0.31% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle Index 2040 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 | $1.28 | $1.28 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.73 | $0.73 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.56 | $0.56 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.60 | $0.60 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.82 | $0.82 |
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 2040 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 2040 Fund was 28.82%, occurring on Mar 23, 2020. Recovery took 95 trading sessions.
The current TIAA-CREF Lifecycle Index 2040 Fund drawdown is 7.77%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -28.82% | Feb 20, 2020 | 23 | Mar 23, 2020 | 95 | Aug 6, 2020 | 118 |
| -24.21% | Nov 9, 2021 | 235 | Oct 14, 2022 | 329 | Feb 7, 2024 | 564 |
| -19.4% | May 2, 2011 | 108 | Oct 3, 2011 | 111 | Mar 13, 2012 | 219 |
| -17.72% | May 22, 2015 | 183 | Feb 11, 2016 | 208 | Dec 7, 2016 | 391 |
| -15.73% | Jan 29, 2018 | 229 | Dec 24, 2018 | 75 | Apr 12, 2019 | 304 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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