TISIX vs. TSITX
Compare and contrast key facts about TIAA-CREF Short Term Bond Fund (TISIX) and TIAA-CREF Lifestyle Income Fund (TSITX).
TISIX is managed by TIAA Investments. It was launched on Mar 31, 2006. TSITX is managed by TIAA Investments. It was launched on Dec 8, 2011.
Performance
TISIX vs. TSITX - Performance Comparison
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TISIX vs. TSITX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TISIX TIAA-CREF Short Term Bond Fund | 0.01% | 5.91% | 4.59% | 5.07% | -3.32% | 0.18% | 3.76% | 4.43% | 1.25% | 1.88% |
TSITX TIAA-CREF Lifestyle Income Fund | -1.41% | 9.19% | 6.23% | 9.24% | -10.72% | 3.04% | 8.79% | 10.93% | -2.04% | 6.36% |
Returns By Period
In the year-to-date period, TISIX achieves a 0.01% return, which is significantly higher than TSITX's -1.41% return. Over the past 10 years, TISIX has underperformed TSITX with an annualized return of 2.46%, while TSITX has yielded a comparatively higher 4.03% annualized return.
TISIX
- 1D
- 0.10%
- 1M
- -0.68%
- YTD
- 0.01%
- 6M
- 1.10%
- 1Y
- 4.05%
- 3Y*
- 4.64%
- 5Y*
- 2.45%
- 10Y*
- 2.46%
TSITX
- 1D
- 0.72%
- 1M
- -2.87%
- YTD
- -1.41%
- 6M
- -0.15%
- 1Y
- 6.02%
- 3Y*
- 6.56%
- 5Y*
- 2.75%
- 10Y*
- 4.03%
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TISIX vs. TSITX - Expense Ratio Comparison
TISIX has a 0.26% expense ratio, which is higher than TSITX's 0.10% 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
TISIX vs. TSITX — Risk / Return Rank
TISIX
TSITX
TISIX vs. TSITX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Short Term Bond Fund (TISIX) and TIAA-CREF Lifestyle Income Fund (TSITX). 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.
| TISIX | TSITX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 2.20 | 1.49 | +0.71 |
Sortino ratioReturn per unit of downside risk | 4.00 | 2.03 | +1.97 |
Omega ratioGain probability vs. loss probability | 1.54 | 1.31 | +0.23 |
Calmar ratioReturn relative to maximum drawdown | 3.96 | 1.54 | +2.42 |
Martin ratioReturn relative to average drawdown | 16.10 | 7.58 | +8.52 |
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
| TISIX | TSITX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.20 | 1.49 | +0.71 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 1.23 | 0.59 | +0.64 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 1.40 | 0.92 | +0.48 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.44 | 1.01 | +0.43 |
Correlation
The correlation between TISIX and TSITX is 0.36, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
TISIX vs. TSITX - Dividend Comparison
TISIX's dividend yield for the trailing twelve months is around 3.98%, more than TSITX's 2.86% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TISIX TIAA-CREF Short Term Bond Fund | 3.98% | 4.34% | 3.57% | 3.18% | 2.10% | 1.63% | 2.14% | 2.87% | 2.21% | 1.87% | 1.86% | 1.72% |
TSITX TIAA-CREF Lifestyle Income Fund | 2.86% | 3.66% | 3.83% | 3.29% | 3.82% | 4.97% | 3.75% | 3.56% | 3.68% | 1.93% | 3.02% | 2.24% |
Drawdowns
TISIX vs. TSITX - Drawdown Comparison
The maximum TISIX drawdown since its inception was -5.31%, smaller than the maximum TSITX drawdown of -14.75%. Use the drawdown chart below to compare losses from any high point for TISIX and TSITX.
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Drawdown Indicators
| TISIX | TSITX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -5.31% | -14.75% | +9.44% |
Max Drawdown (1Y)Largest decline over 1 year | -1.17% | -4.08% | +2.91% |
Max Drawdown (5Y)Largest decline over 5 years | -5.31% | -14.75% | +9.44% |
Max Drawdown (10Y)Largest decline over 10 years | -5.31% | -14.75% | +9.44% |
Current DrawdownCurrent decline from peak | -0.88% | -3.21% | +2.33% |
Average DrawdownAverage peak-to-trough decline | -0.50% | -1.87% | +1.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.29% | 0.83% | -0.54% |
Volatility
TISIX vs. TSITX - Volatility Comparison
The current volatility for TIAA-CREF Short Term Bond Fund (TISIX) is 0.48%, while TIAA-CREF Lifestyle Income Fund (TSITX) has a volatility of 2.16%. This indicates that TISIX experiences smaller price fluctuations and is considered to be less risky than TSITX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TISIX | TSITX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.48% | 2.16% | -1.68% |
Volatility (6M)Calculated over the trailing 6-month period | 1.26% | 2.88% | -1.62% |
Volatility (1Y)Calculated over the trailing 1-year period | 1.93% | 4.26% | -2.33% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 2.00% | 4.67% | -2.67% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 1.76% | 4.41% | -2.65% |