TLYIX vs. VOO
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard S&P 500 ETF (VOO).
TLYIX is managed by TIAA Investments. It was launched on Sep 29, 2009. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
TLYIX vs. VOO - Performance Comparison
Loading graphics...
TLYIX vs. VOO - 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% |
VOO Vanguard S&P 500 ETF | -3.66% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, TLYIX achieves a -1.23% return, which is significantly higher than VOO's -3.66% return. Over the past 10 years, TLYIX has underperformed VOO with an annualized return of 9.16%, while VOO has yielded a comparatively higher 14.14% 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%
VOO
- 1D
- 0.79%
- 1M
- -4.29%
- YTD
- -3.66%
- 6M
- -1.41%
- 1Y
- 18.17%
- 3Y*
- 18.58%
- 5Y*
- 11.93%
- 10Y*
- 14.14%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
TLYIX vs. VOO - Expense Ratio Comparison
TLYIX has a 0.10% expense ratio, which is higher than VOO's 0.03% 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. VOO — Risk / Return Rank
TLYIX
VOO
TLYIX vs. VOO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard S&P 500 ETF (VOO). 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 | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.34 | 1.01 | +0.33 |
Sortino ratioReturn per unit of downside risk | 1.93 | 1.53 | +0.40 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.23 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.72 | 1.55 | +0.17 |
Martin ratioReturn relative to average drawdown | 7.79 | 7.31 | +0.48 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading graphics...
Sharpe Ratios by Period
| TLYIX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.34 | 1.01 | +0.33 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.71 | -0.13 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.79 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.71 | 0.83 | -0.12 |
Correlation
The correlation between TLYIX and VOO 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. VOO - Dividend Comparison
TLYIX's dividend yield for the trailing twelve months is around 3.74%, more than VOO's 1.18% 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% |
VOO Vanguard S&P 500 ETF | 1.18% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
TLYIX vs. VOO - Drawdown Comparison
The maximum TLYIX drawdown since its inception was -26.39%, smaller than the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for TLYIX and VOO.
Loading graphics...
Drawdown Indicators
| TLYIX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.39% | -33.99% | +7.60% |
Max Drawdown (1Y)Largest decline over 1 year | -8.20% | -11.98% | +3.78% |
Max Drawdown (5Y)Largest decline over 5 years | -23.24% | -24.52% | +1.28% |
Max Drawdown (10Y)Largest decline over 10 years | -26.39% | -33.99% | +7.60% |
Current DrawdownCurrent decline from peak | -5.00% | -5.55% | +0.55% |
Average DrawdownAverage peak-to-trough decline | -3.83% | -3.72% | -0.11% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.81% | 2.55% | -0.74% |
Volatility
TLYIX vs. VOO - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) is 4.33%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.34%. This indicates that TLYIX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| TLYIX | VOO | 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% | 9.47% | -2.77% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.42% | 18.11% | -6.69% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.44% | 16.82% | -5.38% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.45% | 17.99% | -5.54% |