SPUBX vs. TIBDX
SPUBX (Symmetry Panoramic US Fixed Income Fund) and TIBDX (TIAA-CREF Core Bond Fund) are both Intermediate Core-Plus Bond funds. Over the past 5 years, SPUBX returned 0.66%/yr vs 0.10%/yr for TIBDX. Their correlation of 0.88 suggests significant overlap in exposure. SPUBX charges 0.45%/yr vs 0.29%/yr for TIBDX.
Performance
SPUBX vs. TIBDX - Performance Comparison
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Returns By Period
In the year-to-date period, SPUBX achieves a 0.57% return, which is significantly lower than TIBDX's 0.67% return.
SPUBX
- 1D
- 0.21%
- 1M
- 0.86%
- YTD
- 0.57%
- 6M
- 0.68%
- 1Y
- 4.88%
- 3Y*
- 4.14%
- 5Y*
- 0.66%
- 10Y*
- —
TIBDX
- 1D
- 0.22%
- 1M
- 0.93%
- YTD
- 0.67%
- 6M
- 1.04%
- 1Y
- 5.45%
- 3Y*
- 4.33%
- 5Y*
- 0.10%
- 10Y*
- 1.97%
SPUBX vs. TIBDX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|---|
SPUBX Symmetry Panoramic US Fixed Income Fund | 0.57% | 7.23% | 1.15% | 5.32% | -9.45% | -1.72% | 5.63% | 5.91% | 1.56% |
TIBDX TIAA-CREF Core Bond Fund | 0.67% | 7.38% | 1.95% | 5.63% | -13.68% | -0.95% | 8.10% | 9.57% | 2.09% |
Correlation
The correlation between SPUBX and TIBDX is 0.90, 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 | 0.90 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.94 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.93 |
Correlation (All Time) Calculated using the full available price history since Nov 12, 2018 | 0.88 |
The correlation between SPUBX and TIBDX has been stable across timeframes, ranging from 0.88 to 0.94 - a consistent structural relationship.
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Return for Risk
SPUBX vs. TIBDX — Risk / Return Rank
SPUBX
TIBDX
SPUBX vs. TIBDX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Symmetry Panoramic US Fixed Income Fund (SPUBX) and TIAA-CREF Core Bond Fund (TIBDX). 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.
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.
| SPUBX | TIBDX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.07 | ||
| Sortino ratioReturn per unit of downside risk | -0.09 | ||
| Omega ratioGain probability vs. loss probability | 1.25 | 1.26 | -0.01 |
| Calmar ratioReturn relative to maximum drawdown | 1.80 | 1.84 | -0.04 |
| Martin ratioReturn relative to average drawdown | 5.07 | 5.46 | -0.40 |
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Drawdowns
SPUBX vs. TIBDX - Drawdown Comparison
The maximum SPUBX drawdown since its inception was -13.72%, smaller than the maximum TIBDX drawdown of -18.82%. Use the drawdown chart below to compare losses from any high point for SPUBX and TIBDX.
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Drawdown Indicators
| SPUBX | TIBDX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -13.72% | -18.82% | +5.10% |
Max Drawdown (1Y)Largest decline over 1 year | -2.78% | -2.98% | +0.20% |
Max Drawdown (3Y)Largest decline over 3 years | -4.86% | -6.29% | +1.43% |
Max Drawdown (5Y)Largest decline over 5 years | -13.32% | -18.82% | +5.50% |
Max Drawdown (10Y)Largest decline over 10 years | — | -18.82% | — |
Current DrawdownCurrent decline from peak | -1.21% | -1.22% | +0.01% |
Average DrawdownAverage peak-to-trough decline | -3.87% | -2.30% | -1.57% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.99% | 1.00% | -0.01% |
Volatility
SPUBX vs. TIBDX - Volatility Comparison
The current volatility for Symmetry Panoramic US Fixed Income Fund (SPUBX) is 1.07%, while TIAA-CREF Core Bond Fund (TIBDX) has a volatility of 1.15%. This indicates that SPUBX experiences smaller price fluctuations and is considered to be less risky than TIBDX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SPUBX | TIBDX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.07% | 1.15% | -0.08% |
Volatility (6M)Calculated over the trailing 6-month period | 2.69% | 2.93% | -0.24% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.69% | 3.86% | -0.17% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.75% | 5.64% | -0.89% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.14% | 4.74% | -0.60% |
SPUBX vs. TIBDX - Expense Ratio Comparison
SPUBX has a 0.45% expense ratio, which is higher than TIBDX's 0.29% expense ratio.
Dividends
SPUBX vs. TIBDX - Dividend Comparison
SPUBX's dividend yield for the trailing twelve months is around 4.28%, less than TIBDX's 4.45% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
SPUBX Symmetry Panoramic US Fixed Income Fund | 4.28% | 4.31% | 4.57% | 2.52% | 1.61% | 1.16% | 1.82% | 2.14% | 0.16% | 0.00% | 0.00% | 0.00% |
TIBDX TIAA-CREF Core Bond Fund | 4.45% | 4.34% | 3.60% | 3.22% | 2.44% | 2.39% | 4.45% | 3.09% | 2.88% | 2.93% | 3.80% | 4.68% |
Frequently Asked Questions
SPUBX and TIBDX have a correlation of 0.90, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TIBDX has higher volatility (1.15%) compared to SPUBX (1.07%). In terms of maximum drawdown, SPUBX dropped -13.72% vs TIBDX's -18.82%.
TIBDX currently has the higher Sharpe Ratio (1.42 vs 1.36), 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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