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TIAA-CREF Lifecycle Index 2040 Fund (TLZIX) Diversifiers

Mutual Fund · Currency in USD · Last updated Jun 23, 2026

The fund is a "fund of funds" that invests in Class W shares of other funds of the Trust and potentially in other investment pools or investment products. It has a policy of investing at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in underlying funds that are managed to seek investment returns that track particular market indices. Advisors currently expects to allocate approximately 80.40% of the fund's assets to equity underlying funds and 19.60% of its assets to fixed-income underlying funds.

Looking to diversify beyond TLZIX? The mutual funds below have the lowest correlation with TLZIX — they tend to move on their own, which can help reduce risk when the rest of your portfolio drops. The stock ideas table highlights individual companies that behave independently from TLZIX.

Best Diversifiers for TLZIX

0 mutual funds have low correlation with TLZIX (below 0.3), 0 of which are negatively correlated. The least correlated is Dimensional Retirement Income Fund (TDIFX) (Target Retirement Date) with a 1Y correlation of 0.79, roughly unchanged from 0.77 over 5 years.

SymbolNameCorrelation 1YCorrelation 3YCorrelation 5YRisk / Return RankCategoryCompare
TDIFX
Dimensional Retirement Income Fund0.790.800.77
77
Target Retirement DateTLZIX vs TDIFX
TILVX
TIAA-CREF Large-Cap Value Index Fund0.830.820.87
88
Large Cap Value EquitiesTLZIX vs TILVX
TISBX
TIAA-CREF Small-Cap Blend Index Fund0.830.830.86
69
Small Cap Blend EquitiesTLZIX vs TISBX
LTTIX
MFS Lifetime 2025 Fund0.830.850.89
61
Target Retirement DateTLZIX vs LTTIX
PDAHX
Prudential Day One Income Fund0.840.840.85
79
Target Retirement DateTLZIX vs PDAHX
See all 77 diversifiers for TLZIX

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Low-Correlation Stock Ideas

If you're looking for individual stocks that move independently from TLZIX, these are worth exploring. The table shows U.S. companies ($1B+ market cap) with low correlation to TLZIX and solid risk/return profiles. The least correlated is Apple Inc (AAPL) (Technology) with a 1Y correlation of 0.46, down from 0.63 over 5 years.

SymbolNameCorrelation 1YCorrelation 3YCorrelation 5YRisk / Return RankSector
AAPL
Apple Inc0.460.510.63
88
Technology

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Diversification Analysis

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