TLSTX vs. POGSX
TLSTX (TIAA-CREF Life Funds Stock Index Fund) and POGSX (Pin Oak Equity) are both Large Cap Blend Equities funds. Over the past 5 years, TLSTX returned 12.85%/yr vs 11.94%/yr for POGSX. Their correlation of 0.92 suggests significant overlap in exposure. TLSTX charges 0.09%/yr vs 0.91%/yr for POGSX.
Performance
TLSTX vs. POGSX - Performance Comparison
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Returns By Period
In the year-to-date period, TLSTX achieves a 10.39% return, which is significantly lower than POGSX's 16.85% return.
TLSTX
- 1D
- 1.12%
- 1M
- 0.80%
- YTD
- 10.39%
- 6M
- 9.63%
- 1Y
- 27.08%
- 3Y*
- 20.49%
- 5Y*
- 12.85%
- 10Y*
- —
POGSX
- 1D
- -0.23%
- 1M
- 0.62%
- YTD
- 16.85%
- 6M
- 15.45%
- 1Y
- 36.96%
- 3Y*
- 26.73%
- 5Y*
- 11.94%
- 10Y*
- 14.46%
TLSTX vs. POGSX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
TLSTX TIAA-CREF Life Funds Stock Index Fund | 10.39% | 17.08% | 23.66% | 25.90% | -19.24% | 25.61% | 20.74% | 15.48% |
POGSX Pin Oak Equity | 16.85% | 27.41% | 18.99% | 27.16% | -25.10% | 21.42% | 10.60% | 10.77% |
Correlation
The correlation between TLSTX and POGSX is 0.84, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.84 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.87 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.91 |
Correlation (All Time) Calculated using the full available price history since May 13, 2019 | 0.92 |
The correlation between TLSTX and POGSX has been stable across timeframes, ranging from 0.84 to 0.92 - a consistent structural relationship.
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Return for Risk
TLSTX vs. POGSX — Risk / Return Rank
TLSTX
POGSX
TLSTX vs. POGSX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Life Funds Stock Index Fund (TLSTX) and Pin Oak Equity (POGSX). 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 | POGSX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.33 | ||
| Sortino ratioReturn per unit of downside risk | -1.22 | ||
| Omega ratioGain probability vs. loss probability | 1.38 | 1.51 | -0.13 |
| Calmar ratioReturn relative to maximum drawdown | 3.04 | 4.66 | -1.62 |
| Martin ratioReturn relative to average drawdown | 13.62 | 16.75 | -3.13 |
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Drawdowns
TLSTX vs. POGSX - Drawdown Comparison
The maximum TLSTX drawdown since its inception was -34.91%, smaller than the maximum POGSX drawdown of -89.46%. Use the drawdown chart below to compare losses from any high point for TLSTX and POGSX.
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Drawdown Indicators
| TLSTX | POGSX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.91% | -89.46% | +54.55% |
Max Drawdown (1Y)Largest decline over 1 year | -8.86% | -8.03% | -0.83% |
Max Drawdown (3Y)Largest decline over 3 years | -19.30% | -15.76% | -3.54% |
Max Drawdown (5Y)Largest decline over 5 years | -25.12% | -29.81% | +4.69% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.05% | — |
Current DrawdownCurrent decline from peak | -1.15% | -1.00% | -0.15% |
Average DrawdownAverage peak-to-trough decline | -5.47% | -36.67% | +31.20% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.97% | 2.23% | -0.26% |
Volatility
TLSTX vs. POGSX - Volatility Comparison
TIAA-CREF Life Funds Stock Index Fund (TLSTX) has a higher volatility of 4.82% compared to Pin Oak Equity (POGSX) at 3.89%. This indicates that TLSTX's price experiences larger fluctuations and is considered to be riskier than POGSX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLSTX | POGSX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.82% | 3.89% | +0.93% |
Volatility (6M)Calculated over the trailing 6-month period | 10.05% | 12.87% | -2.82% |
Volatility (1Y)Calculated over the trailing 1-year period | 12.73% | 15.32% | -2.59% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 17.04% | 17.79% | -0.75% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 20.07% | 18.55% | +1.52% |
TLSTX vs. POGSX - Expense Ratio Comparison
TLSTX has a 0.09% expense ratio, which is lower than POGSX's 0.91% expense ratio.
Dividends
TLSTX vs. POGSX - Dividend Comparison
TLSTX's dividend yield for the trailing twelve months is around 4.96%, less than POGSX's 16.26% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
POGSX Pin Oak Equity | 16.26% | 8.85% | 17.87% | 8.21% | 0.15% | 10.93% | 4.60% | 3.22% | 2.94% | 1.79% | 2.03% | 3.83% |
TLSTX TIAA-CREF Life Funds Stock Index Fund | 4.96% | 5.48% | 2.73% | 2.22% | 3.82% | 1.38% | 1.84% | 2.24% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
TLSTX and POGSX have a correlation of 0.84, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TLSTX has higher volatility (4.82%) compared to POGSX (3.89%). In terms of maximum drawdown, TLSTX dropped -34.91% vs POGSX's -89.46%.
POGSX currently has the higher Sharpe Ratio (2.45 vs 2.12), 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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