- ISIN
- US87245R8390
- Issuer
- TIAA Investments
- Inception Date
- Dec 8, 2011
- Category
- Diversified Portfolio
- Min. Investment
- $2,000,000
- Distribution Policy
- Distributing
- Asset Class
- Multi-Asset
- Asset Class Size
- Large-Cap
- Asset Class Style
- Blend
Share Price Chart
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Performance
TSIMX Performance Chart
TIAA-CREF Lifestyle Moderate Fund (TSIMX) is up 6.2% since the beginning of the year. TSIMX is currently trading at $17 per share. Investors who bought $1,000 worth of TSIMX shares 5 years ago would now be looking at an investment worth $1,341.
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Returns By Period
TIAA-CREF Lifestyle Moderate Fund (TSIMX) has returned 6.18% so far this year and 17.50% over the past 12 months. Over the last ten years, TSIMX has returned 8.18% per year, falling short of the S&P 500 Index benchmark, which averaged 13.66% annually.
TIAA-CREF Lifestyle Moderate Fund
- 1D
- 0.36%
- 1M
- 3.19%
- YTD
- 6.18%
- 6M
- 6.59%
- 1Y
- 17.50%
- 3Y*
- 13.38%
- 5Y*
- 6.04%
- 10Y*
- 8.18%
Benchmark (S&P 500 Index)
- 1D
- -0.74%
- 1M
- 4.90%
- YTD
- 10.35%
- 6M
- 10.28%
- 1Y
- 26.52%
- 3Y*
- 20.83%
- 5Y*
- 12.30%
- 10Y*
- 13.66%
TSIMX Monthly Returns History
Based on dividend-adjusted daily data since Dec 9, 2011, TSIMX's average daily return is +0.03%, while the average monthly return is +0.70%. At this rate, an investment would double in approximately 8.3 years.
Historically, 67% of months were positive and 33% were negative. The best month was Apr 2020 with a return of +8.3%, while the worst month was Mar 2020 at -10.9%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 4 months.
On a daily basis, TSIMX closed higher 51% of trading days. The best single day was Mar 24, 2020 with a return of +5.0%, while the worst single day was Mar 16, 2020 at -7.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.83% | 1.36% | -5.38% | 5.75% | 2.26% | 0.54% | 6.18% | ||||||
| 2025 | 2.24% | 0.27% | -2.69% | 0.27% | 3.27% | 3.52% | 0.38% | 2.17% | 2.42% | 1.53% | 0.42% | 0.27% | 14.84% |
| 2024 | 0.36% | 2.54% | 2.45% | -3.12% | 3.22% | 1.61% | 1.78% | 1.82% | 1.35% | -2.03% | 2.68% | -2.43% | 10.44% |
| 2023 | 5.67% | -2.41% | 2.25% | 1.02% | -0.78% | 3.74% | 2.27% | -1.92% | -3.53% | -2.28% | 7.07% | 4.66% | 16.18% |
| 2022 | -4.26% | -2.66% | 0.00% | -6.41% | 0.15% | -6.34% | 5.54% | -3.03% | -7.38% | 3.88% | 6.05% | -2.92% | -17.07% |
| 2021 | -0.57% | 1.66% | 1.15% | 3.12% | 0.97% | 1.18% | 0.65% | 1.36% | -2.99% | 3.01% | -2.16% | 2.35% | 9.97% |
Benchmark Metrics
TIAA-CREF Lifestyle Moderate Fund has an annualized alpha of 0.42%, beta of 0.58, and R2 of 0.91 versus S&P 500 Index. Calculated based on daily prices since December 12, 2011.
- This fund participated in 72.10% of S&P 500 Index downside but only 61.42% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.58 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
- 0.42%
- Beta
- 0.58
- R²
- 0.91
- Upside Capture
- 61.42%
- Downside Capture
- 72.10%
Expense Ratio
TSIMX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TSIMX ranks 50 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for TIAA-CREF Lifestyle Moderate Fund (TSIMX) and compare them to S&P 500 Index.
| TSIMX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.12 | ||
| Sortino ratioReturn per unit of downside risk | -0.04 | ||
| Omega ratioGain probability vs. loss probability | 1.40 | 1.41 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 2.40 | 2.93 | -0.53 |
| Martin ratioReturn relative to average drawdown | 10.77 | 13.52 | -2.75 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
TIAA-CREF Lifestyle Moderate Fund provided a 5.75% dividend yield over the last twelve months, with an annual payout of $0.97 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 | $0.97 | $1.04 | $0.45 | $0.37 | $0.88 | $1.52 | $0.89 | $0.67 | $0.62 | $0.24 | $0.50 | $0.38 |
Dividend yield | 5.75% | 6.57% | 3.03% | 2.69% | 7.25% | 9.67% | 5.65% | 4.63% | 4.91% | 1.67% | 3.98% | 3.10% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifestyle Moderate 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 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.82 | $1.04 |
| 2024 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.23 | $0.45 |
| 2023 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.19 | $0.37 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.78 | $0.88 |
| 2021 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $1.39 | $1.52 |
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 Lifestyle Moderate 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 Lifestyle Moderate Fund was 24.59%, occurring on Mar 23, 2020. Recovery took 84 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
COVID crash2020 | -24.59%Mar 2020 | 1mo 2d | 4mo 1d | 5mo 3dFeb 2020 - Jul 2020 |
Bear market2022 | -23.74%Oct 2022 | 11mo 9d | 1y 5mo | 2y 4moNov 2021 - Mar 2024 |
Rate-hike selloffLate 2018 | -13.86%Dec 2018 | 10mo 29d | 5mo 27d | 1y 4moJan 2018 - Jun 2019 |
2016 correction2016 | -13.34%Feb 2016 | 8mo 25d | 6mo 9d | 1y 2moMay 2015 - Aug 2016 |
2025 selloff2025 | -10.36%Apr 2025 | 1mo 18d | 1mo 25d | 3mo 13dFeb 2025 - Jun 2025 |
Drawdown Indicators
| TSIMX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -24.59% | -56.78% | +32.19% |
Max Drawdown (1Y)Largest decline over 1 year | -7.43% | -9.10% | +1.67% |
Max Drawdown (3Y)Largest decline over 3 years | -10.36% | -18.90% | +8.54% |
Max Drawdown (5Y)Largest decline over 5 years | -23.74% | -25.43% | +1.69% |
Max Drawdown (10Y)Largest decline over 10 years | -24.59% | -33.92% | +9.33% |
Current DrawdownCurrent decline from peak | 0.00% | -0.74% | +0.74% |
Average DrawdownAverage peak-to-trough decline | -3.56% | -10.72% | +7.16% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.65% | 1.97% | -0.32% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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