TLQIX vs. VTTVX
TLQIX (TIAA-CREF Lifecycle Index 2025 Fund) and VTTVX (Vanguard Target Retirement 2025 Fund) are both mutual funds - TLQIX is a Target Retirement Date fund managed by TIAA Investments, while VTTVX is a Diversified Portfolio fund managed by Vanguard. Over the past 10 years, TLQIX returned 8.39%/yr vs 8.20%/yr for VTTVX. With a 0.99 correlation, they move nearly in lockstep. TLQIX charges 0.10%/yr vs 0.08%/yr for VTTVX.
Performance
TLQIX vs. VTTVX - Performance Comparison
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Returns By Period
The year-to-date returns for both stocks are quite close, with TLQIX having a 6.56% return and VTTVX slightly lower at 6.37%. Both investments have delivered pretty close results over the past 10 years, with TLQIX having a 8.39% annualized return and VTTVX not far behind at 8.20%.
TLQIX
- 1D
- -0.16%
- 1M
- 1.11%
- YTD
- 6.56%
- 6M
- 6.28%
- 1Y
- 15.94%
- 3Y*
- 12.46%
- 5Y*
- 6.11%
- 10Y*
- 8.39%
VTTVX
- 1D
- -0.19%
- 1M
- 1.05%
- YTD
- 6.37%
- 6M
- 6.10%
- 1Y
- 15.67%
- 3Y*
- 12.55%
- 5Y*
- 5.94%
- 10Y*
- 8.20%
TLQIX vs. VTTVX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLQIX TIAA-CREF Lifecycle Index 2025 Fund | 6.56% | 14.51% | 9.46% | 14.18% | -15.04% | 10.12% | 14.00% | 19.84% | -4.45% | 13.23% |
VTTVX Vanguard Target Retirement 2025 Fund | 6.37% | 14.63% | 9.23% | 14.76% | -15.57% | 9.78% | 13.31% | 19.63% | -5.14% | 13.68% |
Correlation
The correlation between TLQIX and VTTVX is 0.99 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.99 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.98 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.99 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.98 |
Correlation (All Time) Calculated using the full available price history since Oct 1, 2009 | 0.99 |
The correlation between TLQIX and VTTVX has been stable across timeframes, ranging from 0.98 to 0.99 - a consistent structural relationship.
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Return for Risk
TLQIX vs. VTTVX — Risk / Return Rank
TLQIX
VTTVX
TLQIX vs. VTTVX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2025 Fund (TLQIX) and Vanguard Target Retirement 2025 Fund (VTTVX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TLQIX | VTTVX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.01 | ||
| Sortino ratioReturn per unit of downside risk | +0.02 | ||
| Omega ratioGain probability vs. loss probability | 1.43 | 1.43 | 0.00 |
| Calmar ratioReturn relative to maximum drawdown | 3.00 | 2.93 | +0.07 |
| Martin ratioReturn relative to average drawdown | 12.93 | 12.56 | +0.37 |
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Drawdowns
TLQIX vs. VTTVX - Drawdown Comparison
The maximum TLQIX drawdown since its inception was -21.30%, smaller than the maximum VTTVX drawdown of -46.03%. Use the drawdown chart below to compare losses from any high point for TLQIX and VTTVX.
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Drawdown Indicators
| TLQIX | VTTVX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -21.30% | -46.03% | +24.73% |
Max Drawdown (1Y)Largest decline over 1 year | -5.55% | -5.57% | +0.02% |
Max Drawdown (3Y)Largest decline over 3 years | -11.51% | -7.84% | -3.67% |
Max Drawdown (5Y)Largest decline over 5 years | -20.99% | -21.52% | +0.53% |
Max Drawdown (10Y)Largest decline over 10 years | -21.30% | -22.51% | +1.21% |
Current DrawdownCurrent decline from peak | -0.41% | -0.42% | +0.01% |
Average DrawdownAverage peak-to-trough decline | -3.29% | -5.04% | +1.75% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.28% | 1.30% | -0.02% |
Volatility
TLQIX vs. VTTVX - Volatility Comparison
TIAA-CREF Lifecycle Index 2025 Fund (TLQIX) and Vanguard Target Retirement 2025 Fund (VTTVX) have volatilities of 2.92% and 2.88%, 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 | VTTVX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.92% | 2.88% | +0.04% |
Volatility (6M)Calculated over the trailing 6-month period | 6.18% | 6.06% | +0.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.37% | 7.27% | +0.10% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 9.80% | 9.15% | +0.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.11% | 9.96% | +0.15% |
TLQIX vs. VTTVX - Expense Ratio Comparison
TLQIX has a 0.10% expense ratio, which is higher than VTTVX'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%.
Dividends
TLQIX vs. VTTVX - Dividend Comparison
TLQIX's dividend yield for the trailing twelve months is around 5.75%, less than VTTVX's 6.94% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLQIX TIAA-CREF Lifecycle Index 2025 Fund | 5.75% | 6.12% | 5.79% | 2.58% | 2.99% | 3.94% | 2.15% | 2.44% | 2.73% | 0.13% | 2.43% | 0.23% |
VTTVX Vanguard Target Retirement 2025 Fund | 6.94% | 7.38% | 7.63% | 3.96% | 2.96% | 16.28% | 4.35% | 2.57% | 3.14% | 0.47% | 2.68% | 4.98% |
Frequently Asked Questions
With a correlation of 0.99, TLQIX and VTTVX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
TLQIX has higher volatility (2.92%) compared to VTTVX (2.88%). In terms of maximum drawdown, TLQIX dropped -21.30% vs VTTVX's -46.03%.
TLQIX currently has the higher Sharpe Ratio (2.26 vs 2.25), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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