TLYIX vs. VTTHX
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard Target Retirement 2035 Fund (VTTHX).
TLYIX is managed by TIAA Investments. It was launched on Sep 29, 2009. VTTHX is managed by Vanguard. It was launched on Oct 27, 2003.
Performance
TLYIX vs. VTTHX - Performance Comparison
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TLYIX vs. VTTHX - 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% |
VTTHX Vanguard Target Retirement 2035 Fund | -1.13% | 17.55% | 11.56% | 17.37% | -16.64% | 12.96% | 14.80% | 22.44% | -6.57% | 16.81% |
Returns By Period
In the year-to-date period, TLYIX achieves a -1.23% return, which is significantly lower than VTTHX's -1.13% return. Both investments have delivered pretty close results over the past 10 years, with TLYIX having a 9.16% annualized return and VTTHX not far behind at 8.95%.
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%
VTTHX
- 1D
- 2.00%
- 1M
- -4.55%
- YTD
- -1.13%
- 6M
- 0.98%
- 1Y
- 15.83%
- 3Y*
- 12.83%
- 5Y*
- 6.58%
- 10Y*
- 8.95%
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TLYIX vs. VTTHX - Expense Ratio Comparison
TLYIX has a 0.10% expense ratio, which is higher than VTTHX's 0.08% 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. VTTHX — Risk / Return Rank
TLYIX
VTTHX
TLYIX vs. VTTHX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard Target Retirement 2035 Fund (VTTHX). 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 | VTTHX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.34 | 1.43 | -0.10 |
Sortino ratioReturn per unit of downside risk | 1.93 | 2.05 | -0.12 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.30 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.72 | 2.02 | -0.30 |
Martin ratioReturn relative to average drawdown | 7.79 | 8.85 | -1.05 |
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 | VTTHX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.34 | 1.43 | -0.10 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.58 | 0.00 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.72 | +0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.71 | 0.51 | +0.20 |
Correlation
The correlation between TLYIX and VTTHX is 0.99, 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. VTTHX - Dividend Comparison
TLYIX's dividend yield for the trailing twelve months is around 3.74%, more than VTTHX's 2.99% 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% |
VTTHX Vanguard Target Retirement 2035 Fund | 2.99% | 2.96% | 3.12% | 2.47% | 2.71% | 19.52% | 2.50% | 2.33% | 2.69% | 0.16% | 2.77% | 4.67% |
Drawdowns
TLYIX vs. VTTHX - Drawdown Comparison
The maximum TLYIX drawdown since its inception was -26.39%, smaller than the maximum VTTHX drawdown of -51.76%. Use the drawdown chart below to compare losses from any high point for TLYIX and VTTHX.
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Drawdown Indicators
| TLYIX | VTTHX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.39% | -51.76% | +25.37% |
Max Drawdown (1Y)Largest decline over 1 year | -8.20% | -8.03% | -0.17% |
Max Drawdown (5Y)Largest decline over 5 years | -23.24% | -23.53% | +0.29% |
Max Drawdown (10Y)Largest decline over 10 years | -26.39% | -27.15% | +0.76% |
Current DrawdownCurrent decline from peak | -5.00% | -5.32% | +0.32% |
Average DrawdownAverage peak-to-trough decline | -3.83% | -6.13% | +2.30% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.81% | 1.83% | -0.02% |
Volatility
TLYIX vs. VTTHX - Volatility Comparison
TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard Target Retirement 2035 Fund (VTTHX) have volatilities of 4.33% and 4.45%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLYIX | VTTHX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.33% | 4.45% | -0.12% |
Volatility (6M)Calculated over the trailing 6-month period | 6.70% | 6.88% | -0.18% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.42% | 11.35% | +0.07% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.44% | 11.34% | +0.10% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.45% | 12.44% | +0.01% |