TLQIX vs. URTRX
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2025 Fund (TLQIX) and USAA Target Retirement 2030 Fund (URTRX).
TLQIX is managed by TIAA Investments. It was launched on Sep 29, 2009. URTRX is managed by Victory. It was launched on Jul 30, 2008.
Performance
TLQIX vs. URTRX - Performance Comparison
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TLQIX vs. URTRX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLQIX TIAA-CREF Lifecycle Index 2025 Fund | -0.91% | 14.51% | 9.46% | 14.18% | -15.04% | 10.12% | 14.00% | 19.84% | -4.45% | 13.23% |
URTRX USAA Target Retirement 2030 Fund | 0.38% | 14.78% | 8.09% | 13.98% | -13.23% | 12.23% | 9.25% | 17.13% | -6.98% | 16.14% |
Returns By Period
In the year-to-date period, TLQIX achieves a -0.91% return, which is significantly lower than URTRX's 0.38% return. Both investments have delivered pretty close results over the past 10 years, with TLQIX having a 7.57% annualized return and URTRX not far behind at 7.49%.
TLQIX
- 1D
- 1.51%
- 1M
- -3.51%
- YTD
- -0.91%
- 6M
- 0.73%
- 1Y
- 12.05%
- 3Y*
- 10.44%
- 5Y*
- 5.26%
- 10Y*
- 7.57%
URTRX
- 1D
- 1.53%
- 1M
- -3.35%
- YTD
- 0.38%
- 6M
- 2.33%
- 1Y
- 13.74%
- 3Y*
- 10.83%
- 5Y*
- 5.75%
- 10Y*
- 7.49%
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TLQIX vs. URTRX - Expense Ratio Comparison
TLQIX has a 0.10% expense ratio, which is higher than URTRX'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
TLQIX vs. URTRX — Risk / Return Rank
TLQIX
URTRX
TLQIX vs. URTRX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2025 Fund (TLQIX) and USAA Target Retirement 2030 Fund (URTRX). 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.
| TLQIX | URTRX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.42 | 1.58 | -0.16 |
Sortino ratioReturn per unit of downside risk | 2.03 | 2.25 | -0.21 |
Omega ratioGain probability vs. loss probability | 1.30 | 1.33 | -0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.86 | 2.11 | -0.25 |
Martin ratioReturn relative to average drawdown | 8.13 | 9.81 | -1.68 |
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
| TLQIX | URTRX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.42 | 1.58 | -0.16 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.55 | 0.60 | -0.05 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.75 | 0.73 | +0.03 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.75 | 0.58 | +0.18 |
Correlation
The correlation between TLQIX and URTRX is 0.97, 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
TLQIX vs. URTRX - Dividend Comparison
TLQIX's dividend yield for the trailing twelve months is around 6.18%, less than URTRX's 6.75% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLQIX TIAA-CREF Lifecycle Index 2025 Fund | 6.18% | 6.12% | 5.79% | 2.58% | 2.99% | 3.94% | 2.15% | 2.44% | 2.73% | 0.13% | 2.43% | 0.23% |
URTRX USAA Target Retirement 2030 Fund | 6.75% | 6.78% | 3.16% | 4.24% | 9.53% | 7.66% | 4.53% | 11.43% | 8.54% | 8.10% | 4.06% | 2.80% |
Drawdowns
TLQIX vs. URTRX - Drawdown Comparison
The maximum TLQIX drawdown since its inception was -21.30%, smaller than the maximum URTRX drawdown of -34.10%. Use the drawdown chart below to compare losses from any high point for TLQIX and URTRX.
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Drawdown Indicators
| TLQIX | URTRX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.30% | -34.10% | +12.80% |
Max Drawdown (1Y)Largest decline over 1 year | -6.37% | -6.63% | +0.26% |
Max Drawdown (5Y)Largest decline over 5 years | -20.99% | -19.52% | -1.47% |
Max Drawdown (10Y)Largest decline over 10 years | -21.30% | -23.56% | +2.26% |
Current DrawdownCurrent decline from peak | -4.08% | -3.84% | -0.24% |
Average DrawdownAverage peak-to-trough decline | -3.33% | -4.19% | +0.86% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.46% | 1.43% | +0.03% |
Volatility
TLQIX vs. URTRX - Volatility Comparison
TIAA-CREF Lifecycle Index 2025 Fund (TLQIX) and USAA Target Retirement 2030 Fund (URTRX) have volatilities of 3.50% and 3.55%, 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
| TLQIX | URTRX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.50% | 3.55% | -0.05% |
Volatility (6M)Calculated over the trailing 6-month period | 5.26% | 5.46% | -0.20% |
Volatility (1Y)Calculated over the trailing 1-year period | 8.79% | 8.89% | -0.10% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.71% | 9.67% | +0.04% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.07% | 10.33% | -0.26% |