TRILX vs. SPY
Compare and contrast key facts about TIAA-CREF Lifecycle Index Retirement Income Fund (TRILX) and SPDR S&P 500 ETF (SPY).
TRILX is managed by TIAA Investments. It was launched on Sep 29, 2009. SPY is a passively managed fund by State Street that tracks the performance of the S&P 500 Index. It was launched on Jan 22, 1993.
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: TRILX or SPY.
Correlation
The correlation between TRILX and SPY is 0.88, 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.
Performance
TRILX vs. SPY - Performance Comparison
Key characteristics
TRILX:
1.07
SPY:
1.72
TRILX:
1.45
SPY:
2.33
TRILX:
1.20
SPY:
1.32
TRILX:
1.02
SPY:
2.61
TRILX:
3.81
SPY:
10.82
TRILX:
1.79%
SPY:
2.03%
TRILX:
6.40%
SPY:
12.75%
TRILX:
-20.11%
SPY:
-55.19%
TRILX:
-2.86%
SPY:
-1.05%
Returns By Period
In the year-to-date period, TRILX achieves a 1.88% return, which is significantly lower than SPY's 2.95% return. Over the past 10 years, TRILX has underperformed SPY with an annualized return of 4.43%, while SPY has yielded a comparatively higher 13.13% annualized return.
TRILX
1.88%
2.71%
0.93%
7.86%
3.45%
4.43%
SPY
2.95%
3.78%
11.68%
23.68%
14.09%
13.13%
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TRILX vs. SPY - Expense Ratio Comparison
TRILX has a 0.10% expense ratio, which is higher than SPY's 0.09% 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%.
Risk-Adjusted Performance
TRILX vs. SPY — Risk-Adjusted Performance Rank
TRILX
SPY
TRILX vs. SPY - Risk-Adjusted Performance Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index Retirement Income Fund (TRILX) and SPDR S&P 500 ETF (SPY). 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.
Dividends
TRILX vs. SPY - Dividend Comparison
TRILX's dividend yield for the trailing twelve months is around 2.96%, more than SPY's 1.17% yield.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRILX TIAA-CREF Lifecycle Index Retirement Income Fund | 2.96% | 3.02% | 2.58% | 2.67% | 2.13% | 1.83% | 2.29% | 2.52% | 2.04% | 1.90% | 1.91% | 2.16% |
SPY SPDR S&P 500 ETF | 1.17% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% | 1.87% |
Drawdowns
TRILX vs. SPY - Drawdown Comparison
The maximum TRILX drawdown since its inception was -20.11%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for TRILX and SPY. For additional features, visit the drawdowns tool.
Volatility
TRILX vs. SPY - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index Retirement Income Fund (TRILX) is 1.66%, while SPDR S&P 500 ETF (SPY) has a volatility of 3.45%. This indicates that TRILX experiences smaller price fluctuations and is considered to be less risky than SPY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.