- ISIN
- US87245R6071
- Issuer
- TIAA
- 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
TSITX Performance Chart
TIAA-CREF Lifestyle Income Fund (TSITX) is up 1.4% since the beginning of the year. TSITX is currently trading at $11 per share. Investors who bought $1,000 worth of TSITX shares 5 years ago would now be looking at an investment worth $1,148.
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Returns By Period
TIAA-CREF Lifestyle Income Fund (TSITX) has returned 1.36% so far this year and 5.42% over the past 12 months. Over the last ten years, TSITX has returned 4.03% per year, falling short of the S&P 500 Index benchmark, which averaged 13.26% annually.
TIAA-CREF Lifestyle Income Fund
- 1D
- 0.53%
- 1M
- -0.44%
- 6M
- 0.56%
- YTD
- 1.36%
- 1Y
- 5.42%
- 3Y*
- 6.76%
- 5Y*
- 2.79%
- 10Y*
- 4.03%
- ALL TIME*
- 4.19%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
TSITX Monthly Returns History
Based on dividend-adjusted daily data since Dec 9, 2011, TSITX's average daily return is +0.02%, while the average monthly return is +0.35%. At this rate, an investment would double in approximately 16.5 years.
Historically, 70% of months were positive and 30% were negative. The best month was Nov 2023 with a return of +4.1%, while the worst month was Mar 2020 at -5.7%. The longest winning streak lasted 12 consecutive months, and the longest losing streak was 4 months.
On a daily basis, TSITX closed higher 46% of trading days. The best single day was Mar 26, 2020 with a return of +2.0%, while the worst single day was Mar 12, 2020 at -2.6%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.80% | 1.05% | -3.21% | 2.15% | 0.96% | 0.30% | -0.61% | 1.36% | |||||
| 2025 | 1.12% | 0.92% | -0.77% | 0.37% | 1.01% | 1.89% | 0.18% | 1.35% | 1.24% | 0.80% | 0.53% | 0.22% | 9.19% |
| 2024 | 0.38% | 0.47% | 1.22% | -1.78% | 1.82% | 1.10% | 1.69% | 1.29% | 1.15% | -1.36% | 1.29% | -1.12% | 6.23% |
| 2023 | 3.31% | -1.65% | 1.61% | 0.69% | -0.58% | 1.15% | 0.97% | -0.68% | -1.91% | -1.10% | 4.14% | 3.14% | 9.24% |
| 2022 | -2.16% | -1.50% | -1.34% | -3.36% | 0.09% | -3.05% | 2.82% | -1.70% | -4.12% | 0.91% | 3.41% | -0.98% | -10.72% |
| 2021 | -0.25% | 0.17% | 0.00% | 1.36% | 0.50% | 0.57% | 0.58% | 0.50% | -1.28% | 0.84% | -0.83% | 0.86% | 3.04% |
Benchmark Metrics
TIAA-CREF Lifestyle Income Fund has an annualized alpha of 1.52%, beta of 0.20, and R2 of 0.65 versus S&P 500 Index. Calculated based on daily prices since December 09, 2011.
- This fund participated in 30.82% of S&P 500 Index downside but only 26.01% of its upside - more exposed to losses than it benefited from rallies.
- Beta of 0.20 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
- 1.52%
- Beta
- 0.20
- R²
- 0.65
- Upside Capture
- 26.01%
- Downside Capture
- 30.82%
Expense Ratio
TSITX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TSITX ranks 40 for risk / return — above 40% of mutual funds peers on PortfoliosLab. Its historical combined result is below the peer median.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for TIAA-CREF Lifestyle Income Fund (TSITX) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TSITX | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.07 | ||
| Sortino ratioReturn per unit of downside risk | -0.07 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.25 | +0.01 |
| Calmar ratioReturn relative to maximum drawdown | 1.36 | 2.00 | -0.64 |
| Martin ratioReturn relative to average drawdown | 6.03 | 8.49 | -2.46 |
Dividends
Dividend History
TIAA-CREF Lifestyle Income Fund provided a 2.87% dividend yield over the last twelve months, with an annual payout of $0.33 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 | $0.33 | $0.41 | $0.41 | $0.35 | $0.38 | $0.58 | $0.44 | $0.40 | $0.39 | $0.22 | $0.32 | $0.24 |
Dividend yield | 2.87% | 3.66% | 3.83% | 3.29% | 3.82% | 4.97% | 3.75% | 3.56% | 3.68% | 1.93% | 3.02% | 2.24% |
Monthly Dividends
The table displays the monthly dividend distributions for TIAA-CREF Lifestyle 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 | $0.00 | $0.10 | $0.00 | $0.10 | |||||
| 2025 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.12 | $0.41 |
| 2024 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.13 | $0.41 |
| 2023 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.11 | $0.35 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.26 | $0.38 |
| 2021 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.04 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.45 | $0.58 |
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 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 Lifestyle Income Fund was 14.75%, occurring on Oct 20, 2022. Recovery took 412 trading sessions.
The current TIAA-CREF Lifestyle Income Fund drawdown is 0.70%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-14.75%Oct 2022 | 11mo 14d | 1y 7mo | 2y 7moNov 2021 - Jun 2024 | Bear market2022 |
-11.75%Mar 2020 | 1mo 2d | 3mo 11d | 4mo 13dFeb 2020 - Jul 2020 | COVID crash2020 |
-5.14%Feb 2016 | 9mo 20d | 3mo 28d | 1y 1moApr 2015 - Jun 2016 | — |
-4.53%Dec 2018 | 10mo 29d | 2mo | 1y 24dJan 2018 - Feb 2019 | Rate-hike selloffLate 2018 |
-4.08%Mar 2026 | 25d | 2mo 7d | 3mo 2dMar 2026 - Jun 2026 | — |
Drawdown Indicators
| TSITX | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.75% | -56.78% | +42.03% |
Max Drawdown (1Y)Largest decline over 1 year | -4.08% | -9.10% | +5.02% |
Max Drawdown (3Y)Largest decline over 3 years | -4.08% | -18.90% | +14.82% |
Max Drawdown (5Y)Largest decline over 5 years | -14.75% | -25.43% | +10.68% |
Max Drawdown (10Y)Largest decline over 10 years | -14.75% | -33.92% | +19.17% |
Current DrawdownCurrent decline from peak | -0.70% | -1.58% | +0.88% |
Average DrawdownAverage peak-to-trough decline | -1.84% | -10.70% | +8.86% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.92% | 2.14% | -1.22% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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