TLHIX vs. BND
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2030 Fund (TLHIX) and Vanguard Total Bond Market ETF (BND).
TLHIX is managed by TIAA Investments. It was launched on Sep 29, 2009. BND is a passively managed fund by Vanguard that tracks the performance of the Bloomberg U.S. Aggregate Float Adjusted Index. It was launched on Apr 3, 2007.
Performance
TLHIX vs. BND - Performance Comparison
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TLHIX vs. BND - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLHIX TIAA-CREF Lifecycle Index 2030 Fund | -2.76% | 15.76% | 10.59% | 15.54% | -15.72% | 11.65% | 14.76% | 21.35% | -5.07% | 14.88% |
BND Vanguard Total Bond Market ETF | 0.05% | 7.08% | 1.38% | 5.65% | -13.11% | -1.86% | 7.71% | 8.84% | -0.12% | 3.57% |
Returns By Period
In the year-to-date period, TLHIX achieves a -2.76% return, which is significantly lower than BND's 0.05% return. Over the past 10 years, TLHIX has outperformed BND with an annualized return of 8.14%, while BND has yielded a comparatively lower 1.67% annualized return.
TLHIX
- 1D
- 0.00%
- 1M
- -5.92%
- YTD
- -2.76%
- 6M
- -0.61%
- 1Y
- 11.82%
- 3Y*
- 10.84%
- 5Y*
- 5.73%
- 10Y*
- 8.14%
BND
- 1D
- 0.22%
- 1M
- -1.74%
- YTD
- 0.05%
- 6M
- 0.95%
- 1Y
- 4.24%
- 3Y*
- 3.59%
- 5Y*
- 0.24%
- 10Y*
- 1.67%
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TLHIX vs. BND - Expense Ratio Comparison
TLHIX has a 0.10% expense ratio, which is higher than BND's 0.03% 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
TLHIX vs. BND — Risk / Return Rank
TLHIX
BND
TLHIX vs. BND - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2030 Fund (TLHIX) and Vanguard Total Bond Market ETF (BND). 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.
| TLHIX | BND | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.21 | 0.99 | +0.22 |
Sortino ratioReturn per unit of downside risk | 1.74 | 1.41 | +0.34 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.18 | +0.08 |
Calmar ratioReturn relative to maximum drawdown | 1.49 | 1.81 | -0.32 |
Martin ratioReturn relative to average drawdown | 6.77 | 4.98 | +1.80 |
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
| TLHIX | BND | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.21 | 0.99 | +0.22 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.04 | +0.52 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.30 | +0.43 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.72 | 0.59 | +0.14 |
Correlation
The correlation between TLHIX and BND is 0.01, 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
TLHIX vs. BND - Dividend Comparison
TLHIX's dividend yield for the trailing twelve months is around 4.32%, more than BND's 3.91% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLHIX TIAA-CREF Lifecycle Index 2030 Fund | 4.32% | 4.20% | 3.62% | 2.44% | 2.82% | 3.21% | 2.06% | 2.25% | 2.68% | 0.14% | 2.49% | 0.25% |
BND Vanguard Total Bond Market ETF | 3.91% | 3.86% | 3.67% | 3.09% | 2.60% | 2.12% | 2.38% | 2.72% | 2.81% | 2.54% | 2.51% | 2.57% |
Drawdowns
TLHIX vs. BND - Drawdown Comparison
The maximum TLHIX drawdown since its inception was -23.86%, which is greater than BND's maximum drawdown of -18.58%. Use the drawdown chart below to compare losses from any high point for TLHIX and BND.
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Drawdown Indicators
| TLHIX | BND | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.86% | -18.58% | -5.28% |
Max Drawdown (1Y)Largest decline over 1 year | -7.32% | -2.44% | -4.88% |
Max Drawdown (5Y)Largest decline over 5 years | -22.15% | -17.91% | -4.24% |
Max Drawdown (10Y)Largest decline over 10 years | -23.86% | -18.58% | -5.28% |
Current DrawdownCurrent decline from peak | -6.15% | -2.58% | -3.57% |
Average DrawdownAverage peak-to-trough decline | -3.52% | -3.07% | -0.45% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.62% | 0.89% | +0.73% |
Volatility
TLHIX vs. BND - Volatility Comparison
TIAA-CREF Lifecycle Index 2030 Fund (TLHIX) has a higher volatility of 3.31% compared to Vanguard Total Bond Market ETF (BND) at 1.63%. This indicates that TLHIX's price experiences larger fluctuations and is considered to be riskier than BND based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLHIX | BND | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.31% | 1.63% | +1.68% |
Volatility (6M)Calculated over the trailing 6-month period | 5.69% | 2.52% | +3.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.94% | 4.30% | +5.64% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.19% | 6.00% | +4.19% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.07% | 5.52% | +5.55% |