TFITX vs. QQQ
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2065 Fund (TFITX) and Invesco QQQ ETF (QQQ).
TFITX is managed by TIAA Investments. It was launched on Sep 29, 2020. QQQ is a passively managed fund by Invesco that tracks the performance of the NASDAQ-100 Index. It was launched on Mar 10, 1999.
Performance
TFITX vs. QQQ - Performance Comparison
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TFITX vs. QQQ - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
TFITX TIAA-CREF Lifecycle Index 2065 Fund | -1.85% | 21.24% | 15.76% | 21.16% | -17.62% | 18.06% | 10.38% |
QQQ Invesco QQQ ETF | -4.76% | 20.77% | 25.58% | 54.86% | -32.58% | 27.42% | 7.62% |
Returns By Period
In the year-to-date period, TFITX achieves a -1.85% return, which is significantly higher than QQQ's -4.76% return.
TFITX
- 1D
- 2.74%
- 1M
- -5.56%
- YTD
- -1.85%
- 6M
- 0.57%
- 1Y
- 19.34%
- 3Y*
- 16.00%
- 5Y*
- 8.87%
- 10Y*
- —
QQQ
- 1D
- 1.24%
- 1M
- -3.79%
- YTD
- -4.76%
- 6M
- -2.89%
- 1Y
- 24.21%
- 3Y*
- 22.83%
- 5Y*
- 13.16%
- 10Y*
- 18.99%
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TFITX vs. QQQ - Expense Ratio Comparison
TFITX has a 0.11% expense ratio, which is lower than QQQ's 0.18% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
TFITX vs. QQQ — Risk / Return Rank
TFITX
QQQ
TFITX vs. QQQ - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2065 Fund (TFITX) and Invesco QQQ ETF (QQQ). 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.
| TFITX | QQQ | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.25 | 1.07 | +0.18 |
Sortino ratioReturn per unit of downside risk | 1.82 | 1.66 | +0.16 |
Omega ratioGain probability vs. loss probability | 1.27 | 1.24 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.60 | 2.00 | -0.39 |
Martin ratioReturn relative to average drawdown | 7.43 | 7.32 | +0.11 |
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
| TFITX | QQQ | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.25 | 1.07 | +0.18 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.60 | 0.59 | +0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.86 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.76 | 0.38 | +0.39 |
Correlation
The correlation between TFITX and QQQ is 0.88, 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
TFITX vs. QQQ - Dividend Comparison
TFITX's dividend yield for the trailing twelve months is around 2.48%, more than QQQ's 0.48% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TFITX TIAA-CREF Lifecycle Index 2065 Fund | 2.48% | 2.44% | 2.12% | 2.05% | 2.09% | 1.84% | 1.55% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
QQQ Invesco QQQ ETF | 0.48% | 0.45% | 0.56% | 0.62% | 0.80% | 0.43% | 0.55% | 0.74% | 0.91% | 0.84% | 1.06% | 0.99% |
Drawdowns
TFITX vs. QQQ - Drawdown Comparison
The maximum TFITX drawdown since its inception was -25.64%, smaller than the maximum QQQ drawdown of -82.97%. Use the drawdown chart below to compare losses from any high point for TFITX and QQQ.
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Drawdown Indicators
| TFITX | QQQ | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -25.64% | -82.97% | +57.33% |
Max Drawdown (1Y)Largest decline over 1 year | -11.17% | -12.62% | +1.45% |
Max Drawdown (5Y)Largest decline over 5 years | -25.64% | -35.12% | +9.48% |
Max Drawdown (10Y)Largest decline over 10 years | — | -35.12% | — |
Current DrawdownCurrent decline from peak | -6.63% | -7.86% | +1.23% |
Average DrawdownAverage peak-to-trough decline | -5.40% | -32.99% | +27.59% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.41% | 3.44% | -1.03% |
Volatility
TFITX vs. QQQ - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index 2065 Fund (TFITX) is 5.78%, while Invesco QQQ ETF (QQQ) has a volatility of 6.61%. This indicates that TFITX experiences smaller price fluctuations and is considered to be less risky than QQQ based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TFITX | QQQ | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.78% | 6.61% | -0.83% |
Volatility (6M)Calculated over the trailing 6-month period | 9.26% | 12.82% | -3.56% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.97% | 22.70% | -6.73% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.92% | 22.38% | -7.46% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 14.88% | 22.25% | -7.37% |