TLYIX vs. VUG
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard Growth ETF (VUG).
TLYIX is managed by TIAA Investments. It was launched on Sep 29, 2009. VUG is a passively managed fund by Vanguard that tracks the performance of the CRSP US Large Cap Growth Index. It was launched on Nov 13, 2000.
Performance
TLYIX vs. VUG - Performance Comparison
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TLYIX vs. VUG - 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% |
VUG Vanguard Growth ETF | -9.39% | 19.40% | 32.69% | 46.83% | -33.16% | 27.35% | 40.25% | 37.03% | -3.32% | 27.72% |
Returns By Period
In the year-to-date period, TLYIX achieves a -1.23% return, which is significantly higher than VUG's -9.39% return. Over the past 10 years, TLYIX has underperformed VUG with an annualized return of 9.16%, while VUG has yielded a comparatively higher 16.16% 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%
VUG
- 1D
- 1.09%
- 1M
- -4.37%
- YTD
- -9.39%
- 6M
- -8.17%
- 1Y
- 18.52%
- 3Y*
- 21.59%
- 5Y*
- 11.67%
- 10Y*
- 16.16%
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TLYIX vs. VUG - Expense Ratio Comparison
TLYIX has a 0.10% expense ratio, which is higher than VUG'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. VUG — Risk / Return Rank
TLYIX
VUG
TLYIX vs. VUG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) and Vanguard Growth ETF (VUG). 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 | VUG | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.34 | 0.82 | +0.52 |
Sortino ratioReturn per unit of downside risk | 1.93 | 1.32 | +0.60 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.19 | +0.10 |
Calmar ratioReturn relative to maximum drawdown | 1.72 | 1.19 | +0.54 |
Martin ratioReturn relative to average drawdown | 7.79 | 4.15 | +3.64 |
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 | VUG | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.34 | 0.82 | +0.52 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.59 | 0.53 | +0.06 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.76 | -0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.71 | 0.57 | +0.13 |
Correlation
The correlation between TLYIX and VUG is 0.91, 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. VUG - Dividend Comparison
TLYIX's dividend yield for the trailing twelve months is around 3.74%, more than VUG's 0.45% 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% |
VUG Vanguard Growth ETF | 0.45% | 0.41% | 0.47% | 0.58% | 0.70% | 0.48% | 0.66% | 0.95% | 1.32% | 1.14% | 1.39% | 1.30% |
Drawdowns
TLYIX vs. VUG - Drawdown Comparison
The maximum TLYIX drawdown since its inception was -26.39%, smaller than the maximum VUG drawdown of -50.68%. Use the drawdown chart below to compare losses from any high point for TLYIX and VUG.
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Drawdown Indicators
| TLYIX | VUG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -26.39% | -50.68% | +24.29% |
Max Drawdown (1Y)Largest decline over 1 year | -8.20% | -16.53% | +8.33% |
Max Drawdown (5Y)Largest decline over 5 years | -23.24% | -35.61% | +12.37% |
Max Drawdown (10Y)Largest decline over 10 years | -26.39% | -35.61% | +9.22% |
Current DrawdownCurrent decline from peak | -5.00% | -12.25% | +7.25% |
Average DrawdownAverage peak-to-trough decline | -3.83% | -7.13% | +3.30% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.81% | 4.72% | -2.91% |
Volatility
TLYIX vs. VUG - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index 2035 Fund (TLYIX) is 4.33%, while Vanguard Growth ETF (VUG) has a volatility of 7.12%. This indicates that TLYIX experiences smaller price fluctuations and is considered to be less risky than VUG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLYIX | VUG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.33% | 7.12% | -2.79% |
Volatility (6M)Calculated over the trailing 6-month period | 6.70% | 12.70% | -6.00% |
Volatility (1Y)Calculated over the trailing 1-year period | 11.42% | 22.70% | -11.28% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 11.44% | 22.22% | -10.78% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 12.45% | 21.38% | -8.93% |