TLYIX vs. VT
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard Total World Stock ETF (VT).
TLYIX is managed by TIAA Investments. It was launched on Sep 29, 2009. VT is a passively managed fund by Vanguard that tracks the performance of the FTSE Global All Cap Index. It was launched on Jun 24, 2008.
Performance
TLYIX vs. VT - Performance Comparison
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TLYIX vs. VT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLYIX TIAA-CREF Lifecycle Index 2035 Fund | -3.11% | 17.02% | 11.83% | 17.24% | -16.30% | 13.19% | 15.53% | 23.03% | -5.76% | 16.49% |
VT Vanguard Total World Stock ETF | -1.71% | 22.43% | 16.49% | 22.02% | -18.00% | 18.27% | 16.59% | 26.81% | -9.76% | 24.50% |
Returns By Period
In the year-to-date period, TLYIX achieves a -3.11% return, which is significantly lower than VT's -1.71% return. Over the past 10 years, TLYIX has underperformed VT with an annualized return of 8.95%, while VT has yielded a comparatively higher 11.53% annualized return.
TLYIX
- 1D
- -0.03%
- 1M
- -6.49%
- YTD
- -3.11%
- 6M
- -0.82%
- 1Y
- 12.91%
- 3Y*
- 11.90%
- 5Y*
- 6.45%
- 10Y*
- 8.95%
VT
- 1D
- 3.08%
- 1M
- -6.22%
- YTD
- -1.71%
- 6M
- 1.42%
- 1Y
- 21.53%
- 3Y*
- 16.86%
- 5Y*
- 9.22%
- 10Y*
- 11.53%
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TLYIX vs. VT - Expense Ratio Comparison
TLYIX has a 0.10% expense ratio, which is higher than VT's 0.06% 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. VT — Risk / Return Rank
TLYIX
VT
TLYIX vs. VT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard Total World Stock ETF (VT). 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 | VT | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.16 | 1.25 | -0.09 |
Sortino ratioReturn per unit of downside risk | 1.68 | 1.84 | -0.16 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.27 | -0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.41 | 1.83 | -0.42 |
Martin ratioReturn relative to average drawdown | 6.52 | 8.51 | -1.99 |
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 | VT | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.16 | 1.25 | -0.09 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.58 | -0.01 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.72 | 0.67 | +0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.70 | 0.40 | +0.30 |
Correlation
The correlation between TLYIX and VT is 0.98, 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. VT - Dividend Comparison
TLYIX's dividend yield for the trailing twelve months is around 3.81%, more than VT's 1.82% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLYIX TIAA-CREF Lifecycle Index 2035 Fund | 3.81% | 3.70% | 3.09% | 2.19% | 2.70% | 2.89% | 2.03% | 2.26% | 2.73% | 0.15% | 2.56% | 0.27% |
VT Vanguard Total World Stock ETF | 1.82% | 1.82% | 1.95% | 2.08% | 2.20% | 1.82% | 1.66% | 2.32% | 2.53% | 2.11% | 2.39% | 2.45% |
Drawdowns
TLYIX vs. VT - Drawdown Comparison
The maximum TLYIX drawdown since its inception was -26.39%, smaller than the maximum VT drawdown of -50.27%. Use the drawdown chart below to compare losses from any high point for TLYIX and VT.
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Drawdown Indicators
| TLYIX | VT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.39% | -50.27% | +23.88% |
Max Drawdown (1Y)Largest decline over 1 year | -8.20% | -11.84% | +3.64% |
Max Drawdown (5Y)Largest decline over 5 years | -23.24% | -26.38% | +3.14% |
Max Drawdown (10Y)Largest decline over 10 years | -26.39% | -34.24% | +7.85% |
Current DrawdownCurrent decline from peak | -6.82% | -6.89% | +0.07% |
Average DrawdownAverage peak-to-trough decline | -3.83% | -7.08% | +3.25% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.81% | 2.55% | -0.74% |
Volatility
TLYIX vs. VT - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) is 3.70%, while Vanguard Total World Stock ETF (VT) has a volatility of 6.33%. This indicates that TLYIX experiences smaller price fluctuations and is considered to be less risky than VT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLYIX | VT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.70% | 6.33% | -2.63% |
Volatility (6M)Calculated over the trailing 6-month period | 6.43% | 9.95% | -3.52% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.28% | 17.24% | -5.96% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.41% | 15.98% | -4.57% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.44% | 17.20% | -4.76% |