TFTIX vs. FRHMX
Compare and contrast key facts about TIAA-CREF Lifecycle 2050 Fund (TFTIX) and Fidelity Managed Retirement Income Fund Class K6 (FRHMX).
TFTIX is managed by TIAA Investments. It was launched on Nov 29, 2007. FRHMX is managed by BlackRock. It was launched on Aug 1, 2019.
Performance
TFTIX vs. FRHMX - Performance Comparison
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TFTIX vs. FRHMX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
TFTIX TIAA-CREF Lifecycle 2050 Fund | -5.28% | 18.80% | 14.28% | 20.02% | -17.71% | 16.37% | 17.42% | 8.58% |
FRHMX Fidelity Managed Retirement Income Fund Class K6 | -0.45% | 10.02% | 4.50% | 8.28% | -11.48% | 2.98% | 8.79% | 3.17% |
Returns By Period
In the year-to-date period, TFTIX achieves a -5.28% return, which is significantly lower than FRHMX's -0.45% return.
TFTIX
- 1D
- -0.33%
- 1M
- -8.74%
- YTD
- -5.28%
- 6M
- -2.54%
- 1Y
- 14.49%
- 3Y*
- 13.32%
- 5Y*
- 7.10%
- 10Y*
- 9.94%
FRHMX
- 1D
- 0.27%
- 1M
- -3.16%
- YTD
- -0.45%
- 6M
- 0.86%
- 1Y
- 7.28%
- 3Y*
- 6.13%
- 5Y*
- 2.58%
- 10Y*
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TFTIX vs. FRHMX - Expense Ratio Comparison
TFTIX has a 0.22% expense ratio, which is lower than FRHMX's 0.25% 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
TFTIX vs. FRHMX — Risk / Return Rank
TFTIX
FRHMX
TFTIX vs. FRHMX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2050 Fund (TFTIX) and Fidelity Managed Retirement Income Fund Class K6 (FRHMX). 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.
| TFTIX | FRHMX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.96 | 1.61 | -0.65 |
Sortino ratioReturn per unit of downside risk | 1.41 | 2.24 | -0.83 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.32 | -0.11 |
Calmar ratioReturn relative to maximum drawdown | 1.13 | 2.15 | -1.02 |
Martin ratioReturn relative to average drawdown | 5.03 | 8.71 | -3.67 |
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
| TFTIX | FRHMX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.96 | 1.61 | -0.65 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.49 | 0.50 | -0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.63 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.38 | 0.71 | -0.32 |
Correlation
The correlation between TFTIX and FRHMX is 0.69, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
Dividends
TFTIX vs. FRHMX - Dividend Comparison
TFTIX's dividend yield for the trailing twelve months is around 7.75%, more than FRHMX's 3.39% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TFTIX TIAA-CREF Lifecycle 2050 Fund | 7.75% | 7.34% | 3.79% | 2.01% | 8.81% | 11.71% | 6.91% | 5.63% | 5.37% | 0.84% | 3.85% | 3.53% |
FRHMX Fidelity Managed Retirement Income Fund Class K6 | 3.39% | 3.22% | 3.24% | 3.02% | 4.77% | 3.78% | 2.61% | 1.95% | 0.00% | 0.00% | 0.00% | 0.00% |
Drawdowns
TFTIX vs. FRHMX - Drawdown Comparison
The maximum TFTIX drawdown since its inception was -51.99%, which is greater than FRHMX's maximum drawdown of -15.96%. Use the drawdown chart below to compare losses from any high point for TFTIX and FRHMX.
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Drawdown Indicators
| TFTIX | FRHMX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.99% | -15.96% | -36.03% |
Max Drawdown (1Y)Largest decline over 1 year | -10.66% | -3.42% | -7.24% |
Max Drawdown (5Y)Largest decline over 5 years | -25.68% | -15.96% | -9.72% |
Max Drawdown (10Y)Largest decline over 10 years | -32.44% | — | — |
Current DrawdownCurrent decline from peak | -9.33% | -3.16% | -6.17% |
Average DrawdownAverage peak-to-trough decline | -7.77% | -3.58% | -4.19% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.50% | 0.85% | +1.65% |
Volatility
TFTIX vs. FRHMX - Volatility Comparison
TIAA-CREF Lifecycle 2050 Fund (TFTIX) has a higher volatility of 4.76% compared to Fidelity Managed Retirement Income Fund Class K6 (FRHMX) at 1.96%. This indicates that TFTIX's price experiences larger fluctuations and is considered to be riskier than FRHMX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TFTIX | FRHMX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.76% | 1.96% | +2.80% |
Volatility (6M)Calculated over the trailing 6-month period | 8.81% | 2.86% | +5.95% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.35% | 4.59% | +10.76% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.61% | 5.22% | +9.39% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.93% | 5.14% | +10.79% |