TFTIX vs. LTFIX
Compare and contrast key facts about TIAA-CREF Lifecycle 2050 Fund (TFTIX) and Principal LifeTime 2055 Fund (LTFIX).
TFTIX is managed by TIAA Investments. It was launched on Nov 29, 2007. LTFIX is managed by Principal. It was launched on Feb 28, 2008.
Performance
TFTIX vs. LTFIX - Performance Comparison
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TFTIX vs. LTFIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TFTIX TIAA-CREF Lifecycle 2050 Fund | -5.28% | 18.80% | 14.28% | 20.02% | -17.71% | 16.37% | 17.42% | 26.21% | -9.90% | 20.54% |
LTFIX Principal LifeTime 2055 Fund | -5.21% | 17.80% | 17.28% | 20.33% | -18.84% | 17.73% | 16.47% | 27.27% | -9.03% | 22.52% |
Returns By Period
The year-to-date returns for both investments are quite close, with TFTIX having a -5.28% return and LTFIX slightly higher at -5.21%. Both investments have delivered pretty close results over the past 10 years, with TFTIX having a 9.94% annualized return and LTFIX not far ahead at 10.20%.
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%
LTFIX
- 1D
- -0.30%
- 1M
- -8.30%
- YTD
- -5.21%
- 6M
- -2.99%
- 1Y
- 12.51%
- 3Y*
- 14.10%
- 5Y*
- 7.41%
- 10Y*
- 10.20%
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TFTIX vs. LTFIX - Expense Ratio Comparison
TFTIX has a 0.22% expense ratio, which is higher than LTFIX's 0.01% expense ratio. However, 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. LTFIX — Risk / Return Rank
TFTIX
LTFIX
TFTIX vs. LTFIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2050 Fund (TFTIX) and Principal LifeTime 2055 Fund (LTFIX). 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 | LTFIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.96 | 0.80 | +0.16 |
Sortino ratioReturn per unit of downside risk | 1.41 | 1.24 | +0.17 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.18 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.13 | 0.94 | +0.19 |
Martin ratioReturn relative to average drawdown | 5.03 | 4.55 | +0.48 |
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 | LTFIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.96 | 0.80 | +0.16 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.49 | 0.48 | 0.00 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.63 | 0.65 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.38 | 0.42 | -0.04 |
Correlation
The correlation between TFTIX and LTFIX is 0.98, 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
TFTIX vs. LTFIX - Dividend Comparison
TFTIX's dividend yield for the trailing twelve months is around 7.75%, less than LTFIX's 9.21% 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% |
LTFIX Principal LifeTime 2055 Fund | 9.21% | 8.73% | 8.47% | 4.17% | 8.60% | 5.83% | 3.91% | 6.03% | 6.60% | 3.51% | 3.99% | 4.51% |
Drawdowns
TFTIX vs. LTFIX - Drawdown Comparison
The maximum TFTIX drawdown since its inception was -51.99%, roughly equal to the maximum LTFIX drawdown of -52.73%. Use the drawdown chart below to compare losses from any high point for TFTIX and LTFIX.
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Drawdown Indicators
| TFTIX | LTFIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -51.99% | -52.73% | +0.74% |
Max Drawdown (1Y)Largest decline over 1 year | -10.66% | -11.48% | +0.82% |
Max Drawdown (5Y)Largest decline over 5 years | -25.68% | -26.80% | +1.12% |
Max Drawdown (10Y)Largest decline over 10 years | -32.44% | -33.50% | +1.06% |
Current DrawdownCurrent decline from peak | -9.33% | -8.71% | -0.62% |
Average DrawdownAverage peak-to-trough decline | -7.77% | -7.70% | -0.07% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.50% | 2.37% | +0.13% |
Volatility
TFTIX vs. LTFIX - Volatility Comparison
TIAA-CREF Lifecycle 2050 Fund (TFTIX) and Principal LifeTime 2055 Fund (LTFIX) have volatilities of 4.76% and 4.93%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TFTIX | LTFIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.76% | 4.93% | -0.17% |
Volatility (6M)Calculated over the trailing 6-month period | 8.81% | 8.89% | -0.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.35% | 15.73% | -0.38% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.61% | 15.37% | -0.76% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.93% | 15.77% | +0.16% |