TLTIX vs. URSIX

Last updated Aug 1, 2026

TLTIX (TIAA-CREF Lifecycle Index 2010 Fund) and URSIX (USAA Target Retirement 2060 Fund) are both Target Retirement Date funds. Over the past 10 years, TLTIX returned 5.93%/yr vs 10.23%/yr for URSIX. Their correlation of 0.91 means they have usually moved in the same direction. Both charge a 0.10% expense ratio.

Performance

TLTIX vs. URSIX - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in TIAA-CREF Lifecycle Index 2010 Fund (TLTIX) and USAA Target Retirement 2060 Fund (URSIX). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, TLTIX achieves a 4.20% return, which is significantly lower than URSIX's 13.54% return. Over the past 10 years, TLTIX has underperformed URSIX with an annualized return of 5.93%, while URSIX has yielded a comparatively higher 10.23% annualized return.

TLTIX

• 1D: 0.79%
• 1M: -0.50%
• 6M: 2.88%
• YTD: 4.20%
• 1Y: 9.67%
• 3Y*: 8.99%
• 5Y*: 4.21%
• 10Y*: 5.93%
• ALL TIME*: 6.42%

URSIX

• 1D: 1.42%
• 1M: 0.56%
• 6M: 9.91%
• YTD: 13.54%
• 1Y: 25.18%
• 3Y*: 16.85%
• 5Y*: 9.74%
• 10Y*: 10.23%
• ALL TIME*: 8.97%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
TLTIX TIAA-CREF Lifecycle Index 2010 Fund	$0.00	$0.00	$0.00
URSIX USAA Target Retirement 2060 Fund	$0.00	$0.00	$0.00

TLTIX vs. URSIX - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TLTIX TIAA-CREF Lifecycle Index 2010 Fund	4.20%	12.10%	7.39%	11.41%	-13.25%	6.94%	11.97%	15.58%	-2.88%	9.02%
URSIX USAA Target Retirement 2060 Fund	13.54%	19.62%	13.05%	18.22%	-15.78%	17.70%	10.17%	20.09%	-9.17%	19.52%

Correlation

The correlation between TLTIX and URSIX is 0.95, meaning they have usually moved in the same direction, including during past declines.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.95
Correlation (3Y) Balances recent behavior with more history.	0.89
Correlation (5Y) Shows whether the relationship held over a longer period.	0.89
Correlation (10Y) Provides a long-term view across more market conditions.	0.90
Correlation (All Time) Calculated using the full available price history since Jul 22, 2013	0.91

The correlation between TLTIX and URSIX has been stable across timeframes, ranging from 0.89 to 0.95 - a consistent structural relationship.

Return for Risk

TLTIX vs. URSIX — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

TLTIX

TLTIX Risk / Return Rank: 70
TLTIX Sharpe Ratio Rank: 69
TLTIX Sortino Ratio Rank: 69
TLTIX Omega Ratio Rank: 70
TLTIX Calmar Ratio Rank: 65
TLTIX Martin Ratio Rank: 76

URSIX

URSIX Risk / Return Rank: 81
URSIX Sharpe Ratio Rank: 79
URSIX Sortino Ratio Rank: 77
URSIX Omega Ratio Rank: 76
URSIX Calmar Ratio Rank: 83
URSIX Martin Ratio Rank: 89

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

TLTIX vs. URSIX - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2010 Fund (TLTIX) and USAA Target Retirement 2060 Fund (URSIX). 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.

	TLTIX	URSIX	Difference
Sharpe ratio: Return per unit of total volatility	1.66	1.88	-0.22
Sortino ratio: Return per unit of downside risk	2.39	2.65	-0.26
Omega ratio: Gain probability vs. loss probability	1.31	1.34	-0.03
Calmar ratio: Return relative to maximum drawdown	2.21	2.81	-0.60
Martin ratio: Return relative to average drawdown	9.37	12.09	-2.73

TLTIX vs. URSIX - Sharpe Ratio Comparison

The current TLTIX Sharpe Ratio is 1.66, which is comparable to the URSIX Sharpe Ratio of 1.88. The chart below compares the historical Sharpe Ratios of TLTIX and URSIX, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

TLTIX vs. URSIX - Drawdown Comparison

The maximum TLTIX drawdown since its inception was -18.15%, smaller than the maximum URSIX drawdown of -30.33%. Use the drawdown chart below to compare losses from any high point for TLTIX and URSIX.

Drawdown Indicators

	TLTIX	URSIX	Difference
Max Drawdown Largest peak-to-trough decline	-18.15%	-30.33%	+12.18%
Max Drawdown (1Y) Largest decline over 1 year	-4.32%	-8.32%	+4.00%
Max Drawdown (3Y) Largest decline over 3 years	-9.76%	-14.35%	+4.59%
Max Drawdown (5Y) Largest decline over 5 years	-18.15%	-23.85%	+5.70%
Max Drawdown (10Y) Largest decline over 10 years	-18.15%	-30.33%	+12.18%
Current Drawdown Current decline from peak	-0.89%	-0.28%	-0.61%
Average Drawdown Average peak-to-trough decline	-2.58%	-4.40%	+1.82%
Ulcer Index Depth and duration of drawdowns from previous peaks	1.02%	1.93%	-0.91%

Volatility

TLTIX vs. URSIX - Volatility Comparison

The current volatility for TIAA-CREF Lifecycle Index 2010 Fund (TLTIX) is 1.67%, while USAA Target Retirement 2060 Fund (URSIX) has a volatility of 3.06%. This indicates that TLTIX experiences smaller price fluctuations and is considered to be less risky than URSIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TLTIX	URSIX	Difference
Volatility (1M) Calculated over the trailing 1-month period	1.67%	3.06%	-1.39%
Volatility (6M) Calculated over the trailing 6-month period	4.88%	10.34%	-5.46%
Volatility (1Y) Calculated over the trailing 1-year period	5.76%	12.45%	-6.69%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	8.00%	14.21%	-6.21%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	7.55%	14.52%	-6.97%

TLTIX vs. URSIX - Expense Ratio Comparison

Both TLTIX and URSIX have an expense ratio of 0.10%, making them cost-effective options compared to the broader market, where average expense ratios typically range from 0.3% to 0.9%.

Dividends

TLTIX vs. URSIX - Dividend Comparison

TLTIX's dividend yield for the trailing twelve months is around 6.18%, more than URSIX's 4.93% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TLTIX TIAA-CREF Lifecycle Index 2010 Fund	6.18%	6.44%	6.57%	3.44%	3.48%	4.81%	2.36%	2.34%	3.11%	0.18%	2.29%	0.23%
URSIX USAA Target Retirement 2060 Fund	4.93%	5.60%	2.55%	2.89%	10.97%	7.07%	4.79%	5.88%	4.77%	3.82%	3.01%	1.73%

Frequently Asked Questions

Can I hold both TLTIX and URSIX in my portfolio?

With a correlation of 0.95, TLTIX and URSIX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, TLTIX or URSIX?

URSIX has higher volatility (3.06%) compared to TLTIX (1.67%). In terms of maximum drawdown, TLTIX dropped -18.15% vs URSIX's -30.33%.

Which has better risk-adjusted returns?

URSIX currently has the higher Sharpe Ratio (1.88 vs 1.66), 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.