TLTIX vs. FNDX
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2010 Fund (TLTIX) and Schwab Fundamental U.S. Large Company Index ETF (FNDX).
TLTIX is managed by TIAA Investments. It was launched on Sep 29, 2009. FNDX is a passively managed fund by Charles Schwab that tracks the performance of the Russell Fundamental U.S. Large Company Index. It was launched on Aug 15, 2013.
Performance
TLTIX vs. FNDX - Performance Comparison
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TLTIX vs. FNDX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLTIX TIAA-CREF Lifecycle Index 2010 Fund | -1.63% | 12.10% | 7.39% | 11.41% | -13.25% | 6.94% | 11.97% | 15.58% | -2.88% | 9.02% |
FNDX Schwab Fundamental U.S. Large Company Index ETF | 2.76% | 16.94% | 16.77% | 18.23% | -6.92% | 31.73% | 9.12% | 28.65% | -7.30% | 17.12% |
Returns By Period
In the year-to-date period, TLTIX achieves a -1.63% return, which is significantly lower than FNDX's 2.76% return. Over the past 10 years, TLTIX has underperformed FNDX with an annualized return of 5.69%, while FNDX has yielded a comparatively higher 13.26% annualized return.
TLTIX
- 1D
- 0.18%
- 1M
- -4.04%
- YTD
- -1.63%
- 6M
- 0.06%
- 1Y
- 8.66%
- 3Y*
- 8.06%
- 5Y*
- 3.98%
- 10Y*
- 5.69%
FNDX
- 1D
- 1.98%
- 1M
- -3.68%
- YTD
- 2.76%
- 6M
- 6.80%
- 1Y
- 19.99%
- 3Y*
- 17.12%
- 5Y*
- 11.99%
- 10Y*
- 13.26%
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TLTIX vs. FNDX - Expense Ratio Comparison
TLTIX has a 0.10% expense ratio, which is lower than FNDX's 0.25% expense ratio. Despite the difference, 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
TLTIX vs. FNDX — Risk / Return Rank
TLTIX
FNDX
TLTIX vs. FNDX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2010 Fund (TLTIX) and Schwab Fundamental U.S. Large Company Index ETF (FNDX). 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.
| TLTIX | FNDX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.40 | 1.24 | +0.16 |
Sortino ratioReturn per unit of downside risk | 1.98 | 1.80 | +0.19 |
Omega ratioGain probability vs. loss probability | 1.29 | 1.28 | +0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.85 | 1.73 | +0.12 |
Martin ratioReturn relative to average drawdown | 7.83 | 8.31 | -0.47 |
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
| TLTIX | FNDX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.40 | 1.24 | +0.16 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.51 | 0.79 | -0.28 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.76 | 0.76 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.83 | 0.74 | +0.09 |
Correlation
The correlation between TLTIX and FNDX is 0.82, 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
TLTIX vs. FNDX - Dividend Comparison
TLTIX's dividend yield for the trailing twelve months is around 6.55%, more than FNDX's 1.62% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLTIX TIAA-CREF Lifecycle Index 2010 Fund | 6.55% | 6.44% | 6.57% | 3.44% | 3.48% | 4.81% | 2.36% | 2.34% | 3.11% | 0.18% | 2.29% | 0.23% |
FNDX Schwab Fundamental U.S. Large Company Index ETF | 1.62% | 1.63% | 1.76% | 1.82% | 2.07% | 1.64% | 2.29% | 2.23% | 2.40% | 1.86% | 2.01% | 2.01% |
Drawdowns
TLTIX vs. FNDX - Drawdown Comparison
The maximum TLTIX drawdown since its inception was -18.15%, smaller than the maximum FNDX drawdown of -37.72%. Use the drawdown chart below to compare losses from any high point for TLTIX and FNDX.
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Drawdown Indicators
| TLTIX | FNDX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.15% | -37.72% | +19.57% |
Max Drawdown (1Y)Largest decline over 1 year | -4.59% | -12.25% | +7.66% |
Max Drawdown (5Y)Largest decline over 5 years | -18.15% | -19.06% | +0.91% |
Max Drawdown (10Y)Largest decline over 10 years | -18.15% | -37.72% | +19.57% |
Current DrawdownCurrent decline from peak | -4.15% | -4.21% | +0.06% |
Average DrawdownAverage peak-to-trough decline | -2.62% | -3.59% | +0.97% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.08% | 2.55% | -1.47% |
Volatility
TLTIX vs. FNDX - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index 2010 Fund (TLTIX) is 2.39%, while Schwab Fundamental U.S. Large Company Index ETF (FNDX) has a volatility of 3.93%. This indicates that TLTIX experiences smaller price fluctuations and is considered to be less risky than FNDX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLTIX | FNDX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.39% | 3.93% | -1.54% |
Volatility (6M)Calculated over the trailing 6-month period | 3.76% | 8.05% | -4.29% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.34% | 16.21% | -9.87% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.89% | 15.26% | -7.37% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.52% | 17.51% | -9.99% |