- ISIN
- US87245R6071
- 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
Loading charts...
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Performance
TSITX Performance Chart
TIAA-CREF Lifestyle Income Fund (TSITX) is up 1.9% since the beginning of the year. TSITX is currently trading at $12 per share. Investors who bought $1,000 worth of TSITX shares 5 years ago would now be looking at an investment worth $1,168.
Loading charts...
Returns By Period
TIAA-CREF Lifestyle Income Fund (TSITX) has returned 1.94% so far this year and 7.84% over the past 12 months. Over the last ten years, TSITX has returned 4.24% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
TIAA-CREF Lifestyle Income Fund
- 1D
- 0.35%
- 1M
- 0.96%
- YTD
- 1.94%
- 6M
- 2.12%
- 1Y
- 7.84%
- 3Y*
- 7.31%
- 5Y*
- 3.15%
- 10Y*
- 4.24%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.15%
- 1Y
- 24.03%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
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 +0.36%. At this rate, an investment would double in approximately 16.1 years.
Historically, 71% of months were positive and 29% 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% | 0.26% | 1.94% | ||||||
| 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 1.57%, 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 30.68% 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
- 1.57%
- Beta
- 0.20
- R²
- 0.65
- Upside Capture
- 26.01%
- Downside Capture
- 30.68%
Expense Ratio
TSITX has an expense ratio of 0.10%, which is considered low.
Return for Risk
Risk / Return Rank
TSITX ranks 48 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 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 | -0.08 | ||
| Sortino ratioReturn per unit of downside risk | +0.02 | ||
| Omega ratioGain probability vs. loss probability | 1.40 | 1.37 | +0.03 |
| Calmar ratioReturn relative to maximum drawdown | 1.94 | 2.78 | -0.85 |
| Martin ratioReturn relative to average drawdown | 8.74 | 12.44 | -3.70 |
Dividends
Dividend History
TIAA-CREF Lifestyle Income Fund provided a 2.77% dividend yield over the last twelve months, with an annual payout of $0.32 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 | $0.32 | $0.41 | $0.41 | $0.35 | $0.38 | $0.58 | $0.44 | $0.40 | $0.39 | $0.22 | $0.32 | $0.24 |
Dividend yield | 2.77% | 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 | $0.00 | $0.00 | ||||||
| 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.
Loading charts...
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.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Bear market2022 | -14.75%Oct 2022 | 11mo 14d | 1y 7mo | 2y 7moNov 2021 - Jun 2024 |
COVID crash2020 | -11.75%Mar 2020 | 1mo 2d | 3mo 11d | 4mo 13dFeb 2020 - Jul 2020 |
2016 pullback2016 | -5.14%Feb 2016 | 9mo 20d | 3mo 28d | 1y 1moApr 2015 - Jun 2016 |
Rate-hike selloffLate 2018 | -4.53%Dec 2018 | 10mo 29d | 2mo | 1y 24dJan 2018 - Feb 2019 |
2026 pullback2026 | -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 | 0.00% | -1.80% | +1.80% |
Average DrawdownAverage peak-to-trough decline | -1.85% | -10.71% | +8.86% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.90% | 2.03% | -1.13% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
Loading charts...
Build a portfolio with TSITX
Add TIAA-CREF Lifestyle Income Fund to a portfolio and analyze allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Analyzer with TSITX