TLSTX vs. FNSTX
TLSTX (TIAA-CREF Life Funds Stock Index Fund) and FNSTX (Fidelity Infrastructure Fund) are both mutual funds - TLSTX is a Large Cap Blend Equities fund managed by TIAA, while FNSTX is a Infrastructure Equities fund managed by Fidelity. Over the past 5 years, TLSTX returned 11.63%/yr vs 9.84%/yr for FNSTX. Their 0.71 correlation means they have sometimes moved together and sometimes differently. TLSTX charges 0.09%/yr vs 1.00%/yr for FNSTX.
Performance
TLSTX vs. FNSTX - Performance Comparison
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Returns By Period
In the year-to-date period, TLSTX achieves a 9.68% return, which is significantly higher than FNSTX's 5.53% return.
TLSTX
- 1D
- 1.60%
- 1M
- -0.78%
- 6M
- 8.02%
- YTD
- 9.68%
- 1Y
- 20.86%
- 3Y*
- 18.46%
- 5Y*
- 11.63%
- 10Y*
- —
- ALL TIME*
- 15.50%
FNSTX
- 1D
- 2.14%
- 1M
- -3.30%
- 6M
- 2.35%
- YTD
- 5.53%
- 1Y
- 12.66%
- 3Y*
- 15.95%
- 5Y*
- 9.84%
- 10Y*
- —
- ALL TIME*
- 10.63%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
TLSTX vs. FNSTX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
TLSTX TIAA-CREF Life Funds Stock Index Fund | 9.68% | 17.08% | 23.66% | 25.90% | -19.24% | 25.61% | 20.74% | 5.26% |
FNSTX Fidelity Infrastructure Fund | 5.53% | 27.42% | 14.43% | 8.44% | -7.59% | 7.58% | 12.80% | 5.49% |
Correlation
The correlation between TLSTX and FNSTX is 0.66, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.66 |
Correlation (3Y) Balances recent behavior with more history. | 0.61 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.69 |
Correlation (All Time) Calculated using the full available price history since Nov 5, 2019 | 0.71 |
The correlation between TLSTX and FNSTX has been stable across timeframes, ranging from 0.61 to 0.71 - a consistent structural relationship.
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Return for Risk
TLSTX vs. FNSTX — Risk / Return Rank
TLSTX
FNSTX
TLSTX vs. FNSTX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Life Funds Stock Index Fund (TLSTX) and Fidelity Infrastructure Fund (FNSTX). 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.
| TLSTX | FNSTX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.69 | ||
| Sortino ratioReturn per unit of downside risk | +0.92 | ||
| Omega ratioGain probability vs. loss probability | 1.25 | 1.14 | +0.12 |
| Calmar ratioReturn relative to maximum drawdown | 2.09 | 1.39 | +0.70 |
| Martin ratioReturn relative to average drawdown | 9.05 | 4.03 | +5.02 |
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Drawdowns
TLSTX vs. FNSTX - Drawdown Comparison
The maximum TLSTX drawdown since its inception was -34.91%, roughly equal to the maximum FNSTX drawdown of -35.82%. Use the drawdown chart below to compare losses from any high point for TLSTX and FNSTX.
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Drawdown Indicators
| TLSTX | FNSTX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.91% | -35.82% | +0.91% |
Max Drawdown (1Y)Largest decline over 1 year | -8.86% | -8.81% | -0.05% |
Max Drawdown (3Y)Largest decline over 3 years | -19.30% | -10.94% | -8.36% |
Max Drawdown (5Y)Largest decline over 5 years | -25.12% | -21.97% | -3.15% |
Current DrawdownCurrent decline from peak | -1.78% | -6.86% | +5.08% |
Average DrawdownAverage peak-to-trough decline | -5.41% | -5.14% | -0.27% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.04% | 3.03% | -0.99% |
Volatility
TLSTX vs. FNSTX - Volatility Comparison
The current volatility for TIAA-CREF Life Funds Stock Index Fund (TLSTX) is 3.37%, while Fidelity Infrastructure Fund (FNSTX) has a volatility of 5.37%. This indicates that TLSTX experiences smaller price fluctuations and is considered to be less risky than FNSTX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLSTX | FNSTX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.37% | 5.37% | -2.00% |
Volatility (6M)Calculated over the trailing 6-month period | 10.19% | 13.52% | -3.33% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.05% | 16.87% | -3.82% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.05% | 15.35% | +1.70% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 19.96% | 18.76% | +1.20% |
TLSTX vs. FNSTX - Expense Ratio Comparison
TLSTX has a 0.09% expense ratio, which is lower than FNSTX's 1.00% expense ratio.
Dividends
TLSTX vs. FNSTX - Dividend Comparison
TLSTX's dividend yield for the trailing twelve months is around 5.00%, more than FNSTX's 3.79% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
FNSTX Fidelity Infrastructure Fund | 3.79% | 4.16% | 1.59% | 1.85% | 1.35% | 0.63% | 0.80% | 0.36% |
TLSTX TIAA-CREF Life Funds Stock Index Fund | 5.00% | 5.48% | 2.73% | 2.22% | 3.82% | 1.38% | 1.84% | 2.24% |
Frequently Asked Questions
TLSTX and FNSTX have a correlation of 0.66, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FNSTX has higher volatility (5.37%) compared to TLSTX (3.37%). In terms of maximum drawdown, TLSTX dropped -34.91% vs FNSTX's -35.82%.
TLSTX currently has the higher Sharpe Ratio (1.42 vs 0.73), 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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