TLRIX vs. SPY
Compare and contrast key facts about TIAA-CREF Lifecycle Retirement Income Fund (TLRIX) and SPDR S&P 500 ETF (SPY).
TLRIX is managed by TIAA Investments. It was launched on Nov 29, 2007. SPY is a passively managed fund by State Street that tracks the performance of the S&P 500 Index. It was launched on Jan 22, 1993.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: TLRIX or SPY.
Correlation
The correlation between TLRIX and SPY is 0.89, 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
TLRIX vs. SPY - Performance Comparison
Key characteristics
TLRIX:
1.69
SPY:
1.75
TLRIX:
2.44
SPY:
2.36
TLRIX:
1.32
SPY:
1.32
TLRIX:
0.88
SPY:
2.66
TLRIX:
7.87
SPY:
11.01
TLRIX:
1.14%
SPY:
2.03%
TLRIX:
5.29%
SPY:
12.77%
TLRIX:
-26.70%
SPY:
-55.19%
TLRIX:
-1.92%
SPY:
-2.12%
Returns By Period
In the year-to-date period, TLRIX achieves a 2.22% return, which is significantly lower than SPY's 2.36% return. Over the past 10 years, TLRIX has underperformed SPY with an annualized return of 3.01%, while SPY has yielded a comparatively higher 12.96% annualized return.
TLRIX
2.22%
0.61%
1.60%
8.25%
2.23%
3.01%
SPY
2.36%
-1.07%
7.41%
19.73%
14.21%
12.96%
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TLRIX vs. SPY - Expense Ratio Comparison
TLRIX has a 0.26% expense ratio, which is higher than SPY's 0.09% 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
TLRIX vs. SPY — Risk-Adjusted Performance Rank
TLRIX
SPY
TLRIX vs. SPY - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Retirement Income Fund (TLRIX) and SPDR S&P 500 ETF (SPY). 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
TLRIX vs. SPY - Dividend Comparison
TLRIX's dividend yield for the trailing twelve months is around 3.19%, more than SPY's 1.18% yield.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLRIX TIAA-CREF Lifecycle Retirement Income Fund | 3.19% | 3.26% | 3.32% | 2.93% | 3.18% | 2.59% | 2.43% | 3.06% | 2.86% | 2.26% | 2.38% | 2.94% |
SPY SPDR S&P 500 ETF | 1.18% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% | 1.87% |
Drawdowns
TLRIX vs. SPY - Drawdown Comparison
The maximum TLRIX drawdown since its inception was -26.70%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for TLRIX and SPY. For additional features, visit the drawdowns tool.
Volatility
TLRIX vs. SPY - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Retirement Income Fund (TLRIX) is 1.33%, while SPDR S&P 500 ETF (SPY) has a volatility of 3.38%. This indicates that TLRIX experiences smaller price fluctuations and is considered to be less risky than SPY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.