TFTIX vs. VFIFX
Compare and contrast key facts about TIAA-CREF Lifecycle 2050 Fund (TFTIX) and Vanguard Target Retirement 2050 Fund (VFIFX).
TFTIX is managed by TIAA Investments. It was launched on Nov 29, 2007. VFIFX is managed by Vanguard. It was launched on Jun 7, 2006.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: TFTIX or VFIFX.
Key characteristics
| TFTIX | VFIFX | |
|---|---|---|
| YTD Return | 13.17% | 13.01% |
| 1Y Return | 21.45% | 21.72% |
| 3Y Return (Ann) | 4.55% | 4.97% |
| 5Y Return (Ann) | 10.45% | 10.32% |
| 10Y Return (Ann) | 8.81% | 8.61% |
| Sharpe Ratio | 1.70 | 1.84 |
| Daily Std Dev | 12.43% | 11.69% |
| Max Drawdown | -53.39% | -51.68% |
| Current Drawdown | -1.06% | -0.59% |
Correlation
The correlation between TFTIX and VFIFX is 0.99, 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
TFTIX vs. VFIFX - Performance Comparison
The year-to-date returns for both stocks are quite close, with TFTIX having a 13.17% return and VFIFX slightly lower at 13.01%. Both investments have delivered pretty close results over the past 10 years, with TFTIX having a 8.81% annualized return and VFIFX not far behind at 8.61%. The chart below displays the growth of a $10,000 investment in both assets, with all prices adjusted for splits and dividends.
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TFTIX vs. VFIFX - Expense Ratio Comparison
TFTIX has a 0.22% expense ratio, which is higher than VFIFX's 0.08% 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%.
Risk-Adjusted Performance
TFTIX vs. VFIFX - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2050 Fund (TFTIX) and Vanguard Target Retirement 2050 Fund (VFIFX). 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.
Dividends
TFTIX vs. VFIFX - Dividend Comparison
TFTIX's dividend yield for the trailing twelve months is around 1.77%, less than VFIFX's 1.96% yield.
| TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TFTIX TIAA-CREF Lifecycle 2050 Fund | 1.77% | 2.01% | 8.81% | 11.71% | 6.91% | 5.63% | 5.37% | 3.73% | 3.85% | 5.49% | 5.09% | 4.35% |
VFIFX Vanguard Target Retirement 2050 Fund | 1.96% | 2.21% | 2.38% | 12.83% | 1.84% | 2.20% | 2.51% | 1.92% | 2.04% | 2.36% | 2.03% | 1.84% |
Drawdowns
TFTIX vs. VFIFX - Drawdown Comparison
The maximum TFTIX drawdown since its inception was -53.39%, roughly equal to the maximum VFIFX drawdown of -51.68%. Use the drawdown chart below to compare losses from any high point for TFTIX and VFIFX. For additional features, visit the drawdowns tool.
Volatility
TFTIX vs. VFIFX - Volatility Comparison
TIAA-CREF Lifecycle 2050 Fund (TFTIX) has a higher volatility of 3.71% compared to Vanguard Target Retirement 2050 Fund (VFIFX) at 3.49%. This indicates that TFTIX's price experiences larger fluctuations and is considered to be riskier than VFIFX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.