NIPAX vs. TSAIX
NIPAX (Columbia Capital Allocation Moderate Conservative Portfolio) and TSAIX (TIAA-CREF Lifestyle Aggressive Growth Fund) are both Diversified Portfolio funds. Over the past 10 years, NIPAX returned 5.68%/yr vs 11.91%/yr for TSAIX. Their correlation of 0.88 suggests significant overlap in exposure. NIPAX charges 0.16%/yr vs 0.04%/yr for TSAIX.
Performance
NIPAX vs. TSAIX - Performance Comparison
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Returns By Period
In the year-to-date period, NIPAX achieves a 4.84% return, which is significantly lower than TSAIX's 10.10% return. Over the past 10 years, NIPAX has underperformed TSAIX with an annualized return of 5.68%, while TSAIX has yielded a comparatively higher 11.91% annualized return.
NIPAX
- 1D
- 0.18%
- 1M
- 1.01%
- YTD
- 4.84%
- 6M
- 5.13%
- 1Y
- 14.80%
- 3Y*
- 10.91%
- 5Y*
- 4.54%
- 10Y*
- 5.68%
TSAIX
- 1D
- 0.29%
- 1M
- 1.45%
- YTD
- 10.10%
- 6M
- 10.75%
- 1Y
- 25.82%
- 3Y*
- 19.28%
- 5Y*
- 9.41%
- 10Y*
- 11.91%
NIPAX vs. TSAIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
NIPAX Columbia Capital Allocation Moderate Conservative Portfolio | 4.84% | 13.17% | 8.07% | 12.30% | -15.45% | 7.44% | 10.00% | 14.31% | -4.84% | 9.59% |
TSAIX TIAA-CREF Lifestyle Aggressive Growth Fund | 10.10% | 20.04% | 15.46% | 22.72% | -19.57% | 17.10% | 19.69% | 27.97% | -11.27% | 22.35% |
Correlation
The correlation between NIPAX and TSAIX is 0.91, 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 | 0.91 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.86 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.86 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.87 |
Correlation (All Time) Calculated using the full available price history since Dec 12, 2011 | 0.88 |
The correlation between NIPAX and TSAIX has been stable across timeframes, ranging from 0.86 to 0.91 - a consistent structural relationship.
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Return for Risk
NIPAX vs. TSAIX — Risk / Return Rank
NIPAX
TSAIX
NIPAX vs. TSAIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Columbia Capital Allocation Moderate Conservative Portfolio (NIPAX) 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.
| NIPAX | TSAIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.25 | ||
| Sortino ratioReturn per unit of downside risk | +0.43 | ||
| Omega ratioGain probability vs. loss probability | 1.44 | 1.36 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 2.51 | 2.53 | -0.02 |
| Martin ratioReturn relative to average drawdown | 12.00 | 11.07 | +0.93 |
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
| NIPAX | TSAIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.26 | 2.01 | +0.25 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.58 | +0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.78 | 0.68 | +0.11 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.88 | 0.72 | +0.16 |
Drawdowns
NIPAX vs. TSAIX - Drawdown Comparison
The maximum NIPAX drawdown since its inception was -26.77%, smaller than the maximum TSAIX drawdown of -34.58%. Use the drawdown chart below to compare losses from any high point for NIPAX and TSAIX.
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Drawdown Indicators
| NIPAX | TSAIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.77% | -34.58% | +7.81% |
Max Drawdown (1Y)Largest decline over 1 year | -5.82% | -10.28% | +4.46% |
Max Drawdown (3Y)Largest decline over 3 years | -6.56% | -17.29% | +10.73% |
Max Drawdown (5Y)Largest decline over 5 years | -19.93% | -28.28% | +8.35% |
Max Drawdown (10Y)Largest decline over 10 years | -19.93% | -34.58% | +14.65% |
Current DrawdownCurrent decline from peak | -0.27% | -0.49% | +0.22% |
Average DrawdownAverage peak-to-trough decline | -2.66% | -4.91% | +2.25% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.22% | 2.34% | -1.12% |
Volatility
NIPAX vs. TSAIX - Volatility Comparison
The current volatility for Columbia Capital Allocation Moderate Conservative Portfolio (NIPAX) is 2.05%, while TIAA-CREF Lifestyle Aggressive Growth Fund (TSAIX) has a volatility of 3.71%. This indicates that NIPAX 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
| NIPAX | TSAIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.05% | 3.71% | -1.66% |
Volatility (6M)Calculated over the trailing 6-month period | 5.33% | 10.27% | -4.94% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.49% | 12.93% | -6.44% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.71% | 16.24% | -8.53% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.28% | 17.65% | -10.37% |
NIPAX vs. TSAIX - Expense Ratio Comparison
NIPAX has a 0.16% expense ratio, which is higher than TSAIX's 0.04% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
NIPAX vs. TSAIX - Dividend Comparison
NIPAX's dividend yield for the trailing twelve months is around 3.28%, less than TSAIX's 6.70% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NIPAX Columbia Capital Allocation Moderate Conservative Portfolio | 3.28% | 4.05% | 3.24% | 4.23% | 6.79% | 9.83% | 5.37% | 4.49% | 7.06% | 3.07% | 3.42% | 4.49% |
TSAIX TIAA-CREF Lifestyle Aggressive Growth Fund | 6.70% | 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 0.91, NIPAX 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 (3.71%) compared to NIPAX (2.05%). In terms of maximum drawdown, NIPAX dropped -26.77% vs TSAIX's -34.58%.
NIPAX currently has the higher Sharpe Ratio (2.26 vs 2.01), 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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