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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in TIAA-CREF Lifecycle Index 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 Index Retirement Income Fund (TRILX) has returned -2.41% so far this year and 8.74% over the past 12 months. Over the last ten years, TRILX has returned 5.76% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
TIAA-CREF Lifecycle Index Retirement Income Fund
- 1D
- 0.12%
- 1M
- -5.03%
- YTD
- -2.41%
- 6M
- -0.68%
- 1Y
- 8.74%
- 3Y*
- 8.34%
- 5Y*
- 4.11%
- 10Y*
- 5.76%
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, TRILX's average daily return is +0.02%, while the average monthly return is +0.51%. At this rate, your investment would double in approximately 11.4 years.
Historically, 68% of months were positive and 32% were negative. The best month was Nov 2023 with a return of +5.7%, while the worst month was Sep 2022 at -6.2%. The longest winning streak lasted 12 consecutive months, and the longest losing streak was 4 months.
On a daily basis, TRILX closed higher 51% of trading days. The best single day was Mar 24, 2020 with a return of +3.2%, while the worst single day was Mar 12, 2020 at -4.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.49% | 1.24% | -5.03% | -2.41% | |||||||||
| 2025 | 1.75% | 0.92% | -1.30% | 0.56% | 1.91% | 2.64% | 0.24% | 1.95% | 1.85% | 1.15% | 0.34% | 0.28% | 12.94% |
| 2024 | 0.13% | 1.15% | 1.72% | -2.56% | 2.70% | 1.25% | 1.99% | 1.64% | 1.63% | -2.13% | 2.12% | -1.86% | 7.85% |
| 2023 | 4.54% | -2.41% | 2.52% | 0.87% | -1.00% | 2.16% | 1.52% | -1.43% | -2.82% | -1.77% | 5.69% | 3.85% | 11.89% |
| 2022 | -2.92% | -1.57% | -0.66% | -4.88% | 0.52% | -4.24% | 4.27% | -2.99% | -6.15% | 2.08% | 4.99% | -2.16% | -13.47% |
| 2021 | -0.30% | 0.42% | 0.66% | 2.15% | 0.70% | 0.91% | 0.98% | 0.86% | -2.06% | 2.09% | -0.85% | 1.42% | 7.13% |
Benchmark Metrics
TIAA-CREF Lifecycle Index Retirement Income Fund has an annualized alpha of 1.63%, beta of 0.36, and R² of 0.83 versus S&P 500 Index. Calculated based on daily prices since October 02, 2009.
- This fund participated in 45.69% of S&P 500 Index downside but only 41.22% 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
- 1.63%
- Beta
- 0.36
- R²
- 0.83
- Upside Capture
- 41.22%
- Downside Capture
- 45.69%
Expense Ratio
TRILX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TRILX ranks 68 for risk / return — better than 68% 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 Retirement Income Fund (TRILX) and compare them to a chosen benchmark (S&P 500 Index).
| TRILX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.24 | 0.90 | +0.35 |
Sortino ratioReturn per unit of downside risk | 1.76 | 1.39 | +0.37 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.21 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.58 | 1.40 | +0.18 |
Martin ratioReturn relative to average drawdown | 6.84 | 6.61 | +0.23 |
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 TRILX 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 Retirement Income Fund provided a 3.07% dividend yield over the last twelve months, with an annual payout of $0.52 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.52 | $0.61 | $0.84 | $0.41 | $0.50 | $0.70 | $0.36 | $0.36 | $0.40 | $0.13 | $0.28 | $0.12 |
Dividend yield | 3.07% | 3.49% | 5.25% | 2.61% | 3.50% | 4.07% | 2.15% | 2.39% | 2.96% | 0.90% | 2.12% | 0.95% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifecycle Index 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 | $0.09 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.33 | $0.61 |
| 2024 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.59 | $0.84 |
| 2023 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.21 | $0.41 |
| 2022 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.30 | $0.50 |
| 2021 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.54 | $0.70 |
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 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 Index Retirement Income Fund was 18.55%, occurring on Oct 14, 2022. Recovery took 411 trading sessions.
The current TIAA-CREF Lifecycle Index Retirement Income Fund drawdown is 5.19%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -18.55% | Nov 10, 2021 | 234 | Oct 14, 2022 | 411 | Jun 5, 2024 | 645 |
| -15.26% | Feb 20, 2020 | 23 | Mar 23, 2020 | 53 | Jun 8, 2020 | 76 |
| -8.14% | Apr 27, 2015 | 202 | Feb 11, 2016 | 104 | Jul 12, 2016 | 306 |
| -7.03% | Jan 29, 2018 | 229 | Dec 24, 2018 | 41 | Feb 25, 2019 | 270 |
| -6.59% | Jul 25, 2011 | 50 | Oct 3, 2011 | 69 | Jan 11, 2012 | 119 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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