TCLRX vs. VTINX
Compare and contrast key facts about TIAA-CREF Lifecycle 2035 Fund (TCLRX) and Vanguard Target Retirement Income Fund (VTINX).
TCLRX is managed by TIAA Investments. It was launched on Oct 14, 2004. VTINX is managed by Vanguard. It was launched on Oct 27, 2003.
Performance
TCLRX vs. VTINX - Performance Comparison
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TCLRX vs. VTINX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TCLRX TIAA-CREF Lifecycle 2035 Fund | -1.90% | 15.07% | 11.00% | 16.13% | -16.19% | 12.38% | 15.07% | 22.77% | -8.30% | 18.45% |
VTINX Vanguard Target Retirement Income Fund | -0.46% | 11.31% | 6.66% | 10.66% | -12.75% | 5.24% | 10.02% | 13.16% | -1.98% | 7.46% |
Returns By Period
In the year-to-date period, TCLRX achieves a -1.90% return, which is significantly lower than VTINX's -0.46% return. Over the past 10 years, TCLRX has outperformed VTINX with an annualized return of 8.49%, while VTINX has yielded a comparatively lower 4.94% annualized return.
TCLRX
- 1D
- 1.92%
- 1M
- -4.37%
- YTD
- -1.90%
- 6M
- 0.09%
- 1Y
- 13.16%
- 3Y*
- 11.43%
- 5Y*
- 5.61%
- 10Y*
- 8.49%
VTINX
- 1D
- 0.96%
- 1M
- -2.70%
- YTD
- -0.46%
- 6M
- 0.80%
- 1Y
- 9.06%
- 3Y*
- 7.86%
- 5Y*
- 3.59%
- 10Y*
- 4.94%
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TCLRX vs. VTINX - Expense Ratio Comparison
TCLRX has a 0.50% expense ratio, which is higher than VTINX's 0.08% expense ratio.
Return for Risk
TCLRX vs. VTINX — Risk / Return Rank
TCLRX
VTINX
TCLRX vs. VTINX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2035 Fund (TCLRX) and Vanguard Target Retirement Income Fund (VTINX). 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.
| TCLRX | VTINX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.22 | 1.67 | -0.45 |
Sortino ratioReturn per unit of downside risk | 1.76 | 2.39 | -0.63 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.34 | -0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.58 | 2.29 | -0.70 |
Martin ratioReturn relative to average drawdown | 6.79 | 9.59 | -2.80 |
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
| TCLRX | VTINX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.22 | 1.67 | -0.45 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.60 | -0.10 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.68 | 0.87 | -0.19 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.43 | 0.90 | -0.47 |
Correlation
The correlation between TCLRX and VTINX is 0.85, 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.
Dividends
TCLRX vs. VTINX - Dividend Comparison
TCLRX's dividend yield for the trailing twelve months is around 4.94%, less than VTINX's 5.05% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TCLRX TIAA-CREF Lifecycle 2035 Fund | 4.94% | 4.85% | 2.74% | 1.61% | 5.83% | 7.91% | 5.16% | 3.80% | 6.54% | 2.60% | 5.11% | 5.35% |
VTINX Vanguard Target Retirement Income Fund | 5.05% | 5.02% | 5.89% | 4.01% | 3.08% | 8.63% | 3.42% | 2.62% | 4.19% | 1.56% | 2.27% | 3.53% |
Drawdowns
TCLRX vs. VTINX - Drawdown Comparison
The maximum TCLRX drawdown since its inception was -53.91%, which is greater than VTINX's maximum drawdown of -19.96%. Use the drawdown chart below to compare losses from any high point for TCLRX and VTINX.
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Drawdown Indicators
| TCLRX | VTINX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.91% | -19.96% | -33.95% |
Max Drawdown (1Y)Largest decline over 1 year | -7.92% | -4.14% | -3.78% |
Max Drawdown (5Y)Largest decline over 5 years | -23.09% | -17.02% | -6.07% |
Max Drawdown (10Y)Largest decline over 10 years | -27.96% | -17.02% | -10.94% |
Current DrawdownCurrent decline from peak | -5.20% | -3.04% | -2.16% |
Average DrawdownAverage peak-to-trough decline | -7.46% | -2.21% | -5.25% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.85% | 0.99% | +0.86% |
Volatility
TCLRX vs. VTINX - Volatility Comparison
TIAA-CREF Lifecycle 2035 Fund (TCLRX) has a higher volatility of 4.20% compared to Vanguard Target Retirement Income Fund (VTINX) at 2.50%. This indicates that TCLRX's price experiences larger fluctuations and is considered to be riskier than VTINX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TCLRX | VTINX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.20% | 2.50% | +1.70% |
Volatility (6M)Calculated over the trailing 6-month period | 6.65% | 3.59% | +3.06% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.15% | 5.60% | +5.55% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.19% | 6.01% | +5.18% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.60% | 5.69% | +6.91% |