AOCIX vs. TSAIX
AOCIX (American Century Investments One Choice Portfolio: Conservative) and TSAIX (TIAA-CREF Lifestyle Aggressive Growth Fund) are both Diversified Portfolio funds. Over the past 10 years, AOCIX returned 6.06%/yr vs 11.94%/yr for TSAIX. Their correlation of 0.93 suggests significant overlap in exposure. AOCIX charges 0.00%/yr vs 0.04%/yr for TSAIX.
Performance
AOCIX vs. TSAIX - Performance Comparison
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Returns By Period
In the year-to-date period, AOCIX achieves a 3.61% return, which is significantly lower than TSAIX's 9.78% return. Over the past 10 years, AOCIX has underperformed TSAIX with an annualized return of 6.06%, while TSAIX has yielded a comparatively higher 11.94% annualized return.
AOCIX
- 1D
- -0.42%
- 1M
- 1.07%
- YTD
- 3.61%
- 6M
- 3.66%
- 1Y
- 10.41%
- 3Y*
- 9.01%
- 5Y*
- 3.76%
- 10Y*
- 6.06%
TSAIX
- 1D
- -0.77%
- 1M
- 3.18%
- YTD
- 9.78%
- 6M
- 10.52%
- 1Y
- 25.40%
- 3Y*
- 19.06%
- 5Y*
- 9.34%
- 10Y*
- 11.94%
AOCIX vs. TSAIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
AOCIX American Century Investments One Choice Portfolio: Conservative | 3.61% | 10.20% | 7.42% | 10.53% | -14.05% | 9.03% | 12.83% | 16.06% | -3.25% | 9.89% |
TSAIX TIAA-CREF Lifestyle Aggressive Growth Fund | 9.78% | 20.04% | 15.46% | 22.72% | -19.57% | 17.10% | 19.69% | 27.97% | -11.27% | 22.35% |
Correlation
The correlation between AOCIX and TSAIX is 0.92, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.92 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.90 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.92 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.93 |
Correlation (All Time) Calculated using the full available price history since Dec 12, 2011 | 0.93 |
The correlation between AOCIX and TSAIX has been stable across timeframes, ranging from 0.90 to 0.93 - a consistent structural relationship.
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Return for Risk
AOCIX vs. TSAIX — Risk / Return Rank
AOCIX
TSAIX
AOCIX vs. TSAIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Century Investments One Choice Portfolio: Conservative (AOCIX) and TIAA-CREF Lifestyle Aggressive Growth Fund (TSAIX). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| AOCIX | TSAIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.18 | ||
| Sortino ratioReturn per unit of downside risk | -0.16 | ||
| Omega ratioGain probability vs. loss probability | 1.34 | 1.36 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 2.10 | 2.52 | -0.43 |
| Martin ratioReturn relative to average drawdown | 9.08 | 11.05 | -1.97 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| AOCIX | TSAIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.82 | 2.01 | -0.18 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.48 | 0.58 | -0.10 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.75 | 0.68 | +0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.68 | 0.72 | -0.04 |
Drawdowns
AOCIX vs. TSAIX - Drawdown Comparison
The maximum AOCIX drawdown since its inception was -26.87%, smaller than the maximum TSAIX drawdown of -34.58%. Use the drawdown chart below to compare losses from any high point for AOCIX and TSAIX.
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Drawdown Indicators
| AOCIX | TSAIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.87% | -34.58% | +7.71% |
Max Drawdown (1Y)Largest decline over 1 year | -5.10% | -10.28% | +5.18% |
Max Drawdown (3Y)Largest decline over 3 years | -7.31% | -17.29% | +9.98% |
Max Drawdown (5Y)Largest decline over 5 years | -19.71% | -28.28% | +8.57% |
Max Drawdown (10Y)Largest decline over 10 years | -19.71% | -34.58% | +14.87% |
Current DrawdownCurrent decline from peak | -0.42% | -0.77% | +0.35% |
Average DrawdownAverage peak-to-trough decline | -3.19% | -4.91% | +1.72% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.18% | 2.34% | -1.16% |
Volatility
AOCIX vs. TSAIX - Volatility Comparison
The current volatility for American Century Investments One Choice Portfolio: Conservative (AOCIX) is 1.75%, while TIAA-CREF Lifestyle Aggressive Growth Fund (TSAIX) has a volatility of 3.79%. This indicates that AOCIX experiences smaller price fluctuations and is considered to be less risky than TSAIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AOCIX | TSAIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.75% | 3.79% | -2.04% |
Volatility (6M)Calculated over the trailing 6-month period | 4.66% | 10.29% | -5.63% |
Volatility (1Y)Calculated over the trailing 1-year period | 5.87% | 12.93% | -7.06% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.82% | 16.25% | -8.43% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.09% | 17.65% | -9.56% |
AOCIX vs. TSAIX - Expense Ratio Comparison
AOCIX has a 0.00% expense ratio, which is lower than TSAIX's 0.04% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
AOCIX vs. TSAIX - Dividend Comparison
AOCIX's dividend yield for the trailing twelve months is around 4.81%, less than TSAIX's 6.72% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AOCIX American Century Investments One Choice Portfolio: Conservative | 4.81% | 5.12% | 2.79% | 2.50% | 9.63% | 8.19% | 5.25% | 4.87% | 7.07% | 2.05% | 2.93% | 5.97% |
TSAIX TIAA-CREF Lifestyle Aggressive Growth Fund | 6.72% | 7.38% | 2.94% | 1.81% | 9.27% | 11.82% | 5.59% | 5.71% | 5.71% | 1.13% | 4.12% | 7.19% |
Frequently Asked Questions
With a correlation of 0.92, AOCIX and TSAIX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
TSAIX has higher volatility (3.79%) compared to AOCIX (1.75%). In terms of maximum drawdown, AOCIX dropped -26.87% vs TSAIX's -34.58%.
TSAIX currently has the higher Sharpe Ratio (2.01 vs 1.82), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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