TAIAX vs. TSITX
TAIAX (American Funds Tax-Aware Conservative Growth and Income Portfolio) and TSITX (TIAA-CREF Lifestyle Income Fund) are both Diversified Portfolio funds. Over the past 10 years, TAIAX returned 7.94%/yr vs 4.28%/yr for TSITX. Their correlation of 0.80 suggests significant overlap in exposure. TAIAX charges 0.34%/yr vs 0.10%/yr for TSITX.
Performance
TAIAX vs. TSITX - Performance Comparison
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Returns By Period
In the year-to-date period, TAIAX achieves a 6.28% return, which is significantly higher than TSITX's 1.77% return. Over the past 10 years, TAIAX has outperformed TSITX with an annualized return of 7.94%, while TSITX has yielded a comparatively lower 4.28% annualized return.
TAIAX
- 1D
- -0.11%
- 1M
- 1.47%
- YTD
- 6.28%
- 6M
- 6.05%
- 1Y
- 15.45%
- 3Y*
- 12.33%
- 5Y*
- 7.06%
- 10Y*
- 7.94%
TSITX
- 1D
- -0.17%
- 1M
- 0.79%
- YTD
- 1.77%
- 6M
- 1.77%
- 1Y
- 7.36%
- 3Y*
- 7.36%
- 5Y*
- 3.06%
- 10Y*
- 4.28%
TAIAX vs. TSITX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TAIAX American Funds Tax-Aware Conservative Growth and Income Portfolio | 6.28% | 13.27% | 10.09% | 11.74% | -10.18% | 13.47% | 7.46% | 16.26% | -2.17% | 14.25% |
TSITX TIAA-CREF Lifestyle Income Fund | 1.77% | 9.19% | 6.23% | 9.24% | -10.72% | 3.04% | 8.79% | 10.93% | -2.04% | 6.36% |
Correlation
The correlation between TAIAX and TSITX is 0.85, 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 | 0.85 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.79 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.80 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.80 |
Correlation (All Time) Calculated using the full available price history since May 21, 2012 | 0.80 |
The correlation between TAIAX and TSITX has been stable across timeframes, ranging from 0.79 to 0.85 - a consistent structural relationship.
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Return for Risk
TAIAX vs. TSITX — Risk / Return Rank
TAIAX
TSITX
TAIAX vs. TSITX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for American Funds Tax-Aware Conservative Growth and Income Portfolio (TAIAX) and TIAA-CREF Lifestyle Income Fund (TSITX). 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.
| TAIAX | TSITX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.47 | ||
| Sortino ratioReturn per unit of downside risk | +0.65 | ||
| Omega ratioGain probability vs. loss probability | 1.47 | 1.39 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 2.60 | 1.89 | +0.71 |
| Martin ratioReturn relative to average drawdown | 11.91 | 8.53 | +3.38 |
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Drawdowns
TAIAX vs. TSITX - Drawdown Comparison
The maximum TAIAX drawdown since its inception was -21.42%, which is greater than TSITX's maximum drawdown of -14.75%. Use the drawdown chart below to compare losses from any high point for TAIAX and TSITX.
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Drawdown Indicators
| TAIAX | TSITX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.42% | -14.75% | -6.67% |
Max Drawdown (1Y)Largest decline over 1 year | -6.16% | -4.08% | -2.08% |
Max Drawdown (3Y)Largest decline over 3 years | -8.75% | -4.08% | -4.67% |
Max Drawdown (5Y)Largest decline over 5 years | -16.76% | -14.75% | -2.01% |
Max Drawdown (10Y)Largest decline over 10 years | -21.42% | -14.75% | -6.67% |
Current DrawdownCurrent decline from peak | -0.22% | -0.17% | -0.05% |
Average DrawdownAverage peak-to-trough decline | -2.20% | -1.85% | -0.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.34% | 0.90% | +0.44% |
Volatility
TAIAX vs. TSITX - Volatility Comparison
American Funds Tax-Aware Conservative Growth and Income Portfolio (TAIAX) has a higher volatility of 2.37% compared to TIAA-CREF Lifestyle Income Fund (TSITX) at 1.58%. This indicates that TAIAX's price experiences larger fluctuations and is considered to be riskier than TSITX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TAIAX | TSITX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.37% | 1.58% | +0.79% |
Volatility (6M)Calculated over the trailing 6-month period | 5.64% | 3.50% | +2.14% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.75% | 4.06% | +2.69% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.67% | 4.75% | +2.92% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 8.21% | 4.46% | +3.75% |
TAIAX vs. TSITX - Expense Ratio Comparison
TAIAX has a 0.34% expense ratio, which is higher than TSITX's 0.10% expense ratio.
Dividends
TAIAX vs. TSITX - Dividend Comparison
TAIAX's dividend yield for the trailing twelve months is around 4.87%, more than TSITX's 2.77% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TAIAX American Funds Tax-Aware Conservative Growth and Income Portfolio | 4.87% | 5.18% | 5.16% | 4.29% | 4.37% | 3.40% | 2.65% | 4.01% | 4.54% | 4.04% | 2.77% | 3.38% |
TSITX TIAA-CREF Lifestyle Income Fund | 2.77% | 3.66% | 3.83% | 3.29% | 3.82% | 4.97% | 3.75% | 3.56% | 3.68% | 1.93% | 3.02% | 2.24% |
Frequently Asked Questions
TAIAX and TSITX have a correlation of 0.85, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TAIAX has higher volatility (2.37%) compared to TSITX (1.58%). In terms of maximum drawdown, TAIAX dropped -21.42% vs TSITX's -14.75%.
TAIAX currently has the higher Sharpe Ratio (2.38 vs 1.90), 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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