TLYIX vs. FXAIX
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Fidelity 500 Index Fund (FXAIX).
TLYIX is managed by TIAA Investments. It was launched on Sep 29, 2009. FXAIX is a passively managed fund by Fidelity that tracks the performance of the S&P 500 Index. It was launched on Feb 17, 1988.
Performance
TLYIX vs. FXAIX - Performance Comparison
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TLYIX vs. FXAIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLYIX TIAA-CREF Lifecycle Index 2035 Fund | -1.23% | 17.02% | 11.83% | 17.24% | -16.30% | 13.19% | 15.53% | 23.03% | -5.76% | 16.49% |
FXAIX Fidelity 500 Index Fund | -4.34% | 17.84% | 25.01% | 26.29% | -18.14% | 28.71% | 18.42% | 31.48% | -4.43% | 21.82% |
Returns By Period
In the year-to-date period, TLYIX achieves a -1.23% return, which is significantly higher than FXAIX's -4.34% return. Over the past 10 years, TLYIX has underperformed FXAIX with an annualized return of 9.16%, while FXAIX has yielded a comparatively higher 14.08% annualized return.
TLYIX
- 1D
- 1.95%
- 1M
- -4.24%
- YTD
- -1.23%
- 6M
- 0.72%
- 1Y
- 14.73%
- 3Y*
- 12.62%
- 5Y*
- 6.65%
- 10Y*
- 9.16%
FXAIX
- 1D
- 2.92%
- 1M
- -5.02%
- YTD
- -4.34%
- 6M
- -2.14%
- 1Y
- 17.32%
- 3Y*
- 18.30%
- 5Y*
- 11.79%
- 10Y*
- 14.08%
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TLYIX vs. FXAIX - Expense Ratio Comparison
TLYIX has a 0.10% expense ratio, which is higher than FXAIX's 0.02% 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
TLYIX vs. FXAIX — Risk / Return Rank
TLYIX
FXAIX
TLYIX vs. FXAIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Fidelity 500 Index Fund (FXAIX). 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.
| TLYIX | FXAIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.34 | 0.97 | +0.36 |
Sortino ratioReturn per unit of downside risk | 1.93 | 1.49 | +0.44 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.23 | +0.06 |
Calmar ratioReturn relative to maximum drawdown | 1.72 | 1.52 | +0.20 |
Martin ratioReturn relative to average drawdown | 7.79 | 7.30 | +0.50 |
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
| TLYIX | FXAIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.34 | 0.97 | +0.36 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.70 | -0.12 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.78 | -0.04 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.71 | 0.76 | -0.05 |
Correlation
The correlation between TLYIX and FXAIX is 0.96, 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
TLYIX vs. FXAIX - Dividend Comparison
TLYIX's dividend yield for the trailing twelve months is around 3.74%, more than FXAIX's 1.16% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLYIX TIAA-CREF Lifecycle Index 2035 Fund | 3.74% | 3.70% | 3.09% | 2.19% | 2.70% | 2.89% | 2.03% | 2.26% | 2.73% | 0.15% | 2.56% | 0.27% |
FXAIX Fidelity 500 Index Fund | 1.16% | 1.11% | 1.25% | 1.45% | 1.69% | 1.22% | 1.60% | 2.06% | 2.72% | 1.97% | 2.52% | 2.83% |
Drawdowns
TLYIX vs. FXAIX - Drawdown Comparison
The maximum TLYIX drawdown since its inception was -26.39%, smaller than the maximum FXAIX drawdown of -33.79%. Use the drawdown chart below to compare losses from any high point for TLYIX and FXAIX.
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Drawdown Indicators
| TLYIX | FXAIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.39% | -33.79% | +7.40% |
Max Drawdown (1Y)Largest decline over 1 year | -8.20% | -12.13% | +3.93% |
Max Drawdown (5Y)Largest decline over 5 years | -23.24% | -24.50% | +1.26% |
Max Drawdown (10Y)Largest decline over 10 years | -26.39% | -33.79% | +7.40% |
Current DrawdownCurrent decline from peak | -5.00% | -6.23% | +1.23% |
Average DrawdownAverage peak-to-trough decline | -3.83% | -3.83% | 0.00% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.81% | 2.53% | -0.72% |
Volatility
TLYIX vs. FXAIX - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) is 4.33%, while Fidelity 500 Index Fund (FXAIX) has a volatility of 5.34%. This indicates that TLYIX experiences smaller price fluctuations and is considered to be less risky than FXAIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLYIX | FXAIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.33% | 5.34% | -1.01% |
Volatility (6M)Calculated over the trailing 6-month period | 6.70% | 9.53% | -2.83% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.42% | 18.32% | -6.90% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.44% | 16.92% | -5.48% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.45% | 18.05% | -5.60% |