TCLNX vs. SPY
Compare and contrast key facts about TIAA-CREF Lifecycle 2030 Fund (TCLNX) and SPDR S&P 500 ETF (SPY).
TCLNX is managed by TIAA Investments. It was launched on Oct 14, 2004. SPY is a passively managed fund by State Street that tracks the performance of the S&P 500 Index. It was launched on Jan 22, 1993.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: TCLNX or SPY.
Correlation
The correlation between TCLNX and SPY is 0.95, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Performance
TCLNX vs. SPY - Performance Comparison
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Key characteristics
TCLNX:
0.53
SPY:
0.68
TCLNX:
0.85
SPY:
1.13
TCLNX:
1.12
SPY:
1.17
TCLNX:
0.50
SPY:
0.76
TCLNX:
1.61
SPY:
2.93
TCLNX:
3.75%
SPY:
4.87%
TCLNX:
10.68%
SPY:
20.29%
TCLNX:
-52.48%
SPY:
-55.19%
TCLNX:
-3.68%
SPY:
-3.85%
Returns By Period
In the year-to-date period, TCLNX achieves a 2.39% return, which is significantly higher than SPY's 0.56% return. Over the past 10 years, TCLNX has underperformed SPY with an annualized return of 3.18%, while SPY has yielded a comparatively higher 12.67% annualized return.
TCLNX
2.39%
5.10%
-0.04%
5.60%
5.86%
3.18%
SPY
0.56%
8.99%
-0.98%
13.71%
17.23%
12.67%
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TCLNX vs. SPY - Expense Ratio Comparison
TCLNX has a 0.51% expense ratio, which is higher than SPY's 0.09% expense ratio.
Risk-Adjusted Performance
TCLNX vs. SPY — Risk-Adjusted Performance Rank
TCLNX
SPY
TCLNX vs. SPY - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2030 Fund (TCLNX) and SPDR S&P 500 ETF (SPY). 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.
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Dividends
TCLNX vs. SPY - Dividend Comparison
TCLNX's dividend yield for the trailing twelve months is around 1.79%, more than SPY's 1.22% yield.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TCLNX TIAA-CREF Lifecycle 2030 Fund | 1.79% | 1.84% | 1.84% | 1.61% | 2.34% | 1.87% | 1.37% | 2.16% | 2.00% | 1.61% | 1.73% | 2.43% |
SPY SPDR S&P 500 ETF | 1.22% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% | 1.87% |
Drawdowns
TCLNX vs. SPY - Drawdown Comparison
The maximum TCLNX drawdown since its inception was -52.48%, roughly equal to the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for TCLNX and SPY. For additional features, visit the drawdowns tool.
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Volatility
TCLNX vs. SPY - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle 2030 Fund (TCLNX) is 2.64%, while SPDR S&P 500 ETF (SPY) has a volatility of 6.24%. This indicates that TCLNX experiences smaller price fluctuations and is considered to be less risky than SPY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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