TLRIX vs. TLLIX
Compare and contrast key facts about TIAA-CREF Lifecycle Retirement Income Fund (TLRIX) and TIAA-CREF Lifecycle Index 2050 Fund (TLLIX).
TLRIX is managed by TIAA Investments. It was launched on Nov 29, 2007. TLLIX is managed by TIAA Investments. It was launched on Sep 29, 2009.
Performance
TLRIX vs. TLLIX - Performance Comparison
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TLRIX vs. TLLIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLRIX TIAA-CREF Lifecycle Retirement Income Fund | -2.93% | 11.79% | 7.65% | 10.80% | -12.53% | 7.06% | 11.10% | 15.31% | -3.87% | 10.39% |
TLLIX TIAA-CREF Lifecycle Index 2050 Fund | -4.26% | 20.75% | 15.17% | 20.53% | -17.52% | 17.12% | 17.20% | 26.04% | -7.05% | 19.20% |
Returns By Period
In the year-to-date period, TLRIX achieves a -2.93% return, which is significantly higher than TLLIX's -4.26% return. Over the past 10 years, TLRIX has underperformed TLLIX with an annualized return of 5.57%, while TLLIX has yielded a comparatively higher 10.65% annualized return.
TLRIX
- 1D
- 0.00%
- 1M
- -5.07%
- YTD
- -2.93%
- 6M
- -1.04%
- 1Y
- 7.59%
- 3Y*
- 7.63%
- 5Y*
- 3.72%
- 10Y*
- 5.57%
TLLIX
- 1D
- -0.25%
- 1M
- -8.27%
- YTD
- -4.26%
- 6M
- -1.50%
- 1Y
- 16.12%
- 3Y*
- 14.53%
- 5Y*
- 8.19%
- 10Y*
- 10.65%
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TLRIX vs. TLLIX - Expense Ratio Comparison
TLRIX has a 0.26% expense ratio, which is higher than TLLIX'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
TLRIX vs. TLLIX — Risk / Return Rank
TLRIX
TLLIX
TLRIX vs. TLLIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Retirement Income Fund (TLRIX) and TIAA-CREF Lifecycle Index 2050 Fund (TLLIX). 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.
| TLRIX | TLLIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.20 | 1.08 | +0.12 |
Sortino ratioReturn per unit of downside risk | 1.67 | 1.58 | +0.09 |
Omega ratioGain probability vs. loss probability | 1.24 | 1.23 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.39 | 1.27 | +0.12 |
Martin ratioReturn relative to average drawdown | 6.17 | 6.02 | +0.15 |
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
| TLRIX | TLLIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.20 | 1.08 | +0.12 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.57 | -0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.83 | 0.69 | +0.13 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.64 | 0.68 | -0.04 |
Correlation
The correlation between TLRIX and TLLIX is 0.94, 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
TLRIX vs. TLLIX - Dividend Comparison
TLRIX's dividend yield for the trailing twelve months is around 4.72%, more than TLLIX's 3.26% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLRIX TIAA-CREF Lifecycle Retirement Income Fund | 4.72% | 5.23% | 3.53% | 3.32% | 6.10% | 7.66% | 5.77% | 3.85% | 6.04% | 2.13% | 3.75% | 2.98% |
TLLIX TIAA-CREF Lifecycle Index 2050 Fund | 3.26% | 3.12% | 2.26% | 2.17% | 2.35% | 2.29% | 1.71% | 2.25% | 2.67% | 0.15% | 2.57% | 0.27% |
Drawdowns
TLRIX vs. TLLIX - Drawdown Comparison
The maximum TLRIX drawdown since its inception was -26.71%, smaller than the maximum TLLIX drawdown of -31.41%. Use the drawdown chart below to compare losses from any high point for TLRIX and TLLIX.
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Drawdown Indicators
| TLRIX | TLLIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.71% | -31.41% | +4.70% |
Max Drawdown (1Y)Largest decline over 1 year | -5.23% | -10.75% | +5.52% |
Max Drawdown (5Y)Largest decline over 5 years | -17.15% | -25.38% | +8.23% |
Max Drawdown (10Y)Largest decline over 10 years | -17.15% | -31.41% | +14.26% |
Current DrawdownCurrent decline from peak | -5.23% | -8.79% | +3.56% |
Average DrawdownAverage peak-to-trough decline | -3.34% | -4.19% | +0.85% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.18% | 2.38% | -1.20% |
Volatility
TLRIX vs. TLLIX - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Retirement Income Fund (TLRIX) is 2.54%, while TIAA-CREF Lifecycle Index 2050 Fund (TLLIX) has a volatility of 4.68%. This indicates that TLRIX experiences smaller price fluctuations and is considered to be less risky than TLLIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLRIX | TLLIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.54% | 4.68% | -2.14% |
Volatility (6M)Calculated over the trailing 6-month period | 4.08% | 8.51% | -4.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.57% | 15.13% | -8.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.65% | 14.37% | -7.72% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 6.78% | 15.46% | -8.68% |