TRILX vs. VIIIX
Compare and contrast key facts about TIAA-CREF Lifecycle Index Retirement Income Fund (TRILX) and Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX).
TRILX is managed by TIAA Investments. It was launched on Sep 29, 2009. VIIIX is managed by Vanguard. It was launched on Jul 7, 1997.
Performance
TRILX vs. VIIIX - Performance Comparison
Loading graphics...
TRILX vs. VIIIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TRILX TIAA-CREF Lifecycle Index Retirement Income Fund | -2.41% | 12.94% | 7.85% | 11.89% | -13.47% | 7.13% | 12.05% | 15.39% | -2.66% | 9.13% |
VIIIX Vanguard Institutional Index Fund Institutional Plus Shares | -7.06% | 17.87% | 26.29% | 25.79% | -18.14% | 28.69% | 18.41% | 31.48% | -4.41% | 21.82% |
Returns By Period
In the year-to-date period, TRILX achieves a -2.41% return, which is significantly higher than VIIIX's -7.06% return. Over the past 10 years, TRILX has underperformed VIIIX with an annualized return of 5.76%, while VIIIX has yielded a comparatively higher 13.82% annualized return.
TRILX
- 1D
- 0.12%
- 1M
- -5.03%
- YTD
- -2.41%
- 6M
- -0.68%
- 1Y
- 8.74%
- 3Y*
- 8.34%
- 5Y*
- 4.11%
- 10Y*
- 5.76%
VIIIX
- 1D
- -0.39%
- 1M
- -7.68%
- YTD
- -7.06%
- 6M
- -4.59%
- 1Y
- 14.44%
- 3Y*
- 17.57%
- 5Y*
- 11.54%
- 10Y*
- 13.82%
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
TRILX vs. VIIIX - Expense Ratio Comparison
TRILX has a 0.10% expense ratio, which is higher than VIIIX's 0.02% 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
TRILX vs. VIIIX — Risk / Return Rank
TRILX
VIIIX
TRILX vs. VIIIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index Retirement Income Fund (TRILX) and Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX). 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.
| TRILX | VIIIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.24 | 0.84 | +0.40 |
Sortino ratioReturn per unit of downside risk | 1.76 | 1.30 | +0.46 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.20 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.58 | 1.06 | +0.52 |
Martin ratioReturn relative to average drawdown | 6.84 | 5.14 | +1.69 |
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
| TRILX | VIIIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.24 | 0.84 | +0.40 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.69 | -0.13 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.80 | 0.77 | +0.03 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.89 | 0.46 | +0.43 |
Correlation
The correlation between TRILX and VIIIX 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.
Dividends
TRILX vs. VIIIX - Dividend Comparison
TRILX's dividend yield for the trailing twelve months is around 3.07%, more than VIIIX's 2.90% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TRILX TIAA-CREF Lifecycle Index Retirement Income Fund | 3.07% | 3.49% | 5.25% | 2.61% | 3.50% | 4.07% | 2.15% | 2.39% | 2.96% | 0.90% | 2.12% | 0.95% |
VIIIX Vanguard Institutional Index Fund Institutional Plus Shares | 2.90% | 2.11% | 3.66% | 2.66% | 3.39% | 4.79% | 3.07% | 2.86% | 2.45% | 1.84% | 2.38% | 2.47% |
Drawdowns
TRILX vs. VIIIX - Drawdown Comparison
The maximum TRILX drawdown since its inception was -18.55%, smaller than the maximum VIIIX drawdown of -55.18%. Use the drawdown chart below to compare losses from any high point for TRILX and VIIIX.
Loading graphics...
Drawdown Indicators
| TRILX | VIIIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.55% | -55.18% | +36.63% |
Max Drawdown (1Y)Largest decline over 1 year | -5.30% | -12.12% | +6.82% |
Max Drawdown (5Y)Largest decline over 5 years | -18.55% | -24.50% | +5.95% |
Max Drawdown (10Y)Largest decline over 10 years | -18.55% | -33.79% | +15.24% |
Current DrawdownCurrent decline from peak | -5.19% | -8.90% | +3.71% |
Average DrawdownAverage peak-to-trough decline | -2.32% | -10.07% | +7.75% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.23% | 2.49% | -1.26% |
Volatility
TRILX vs. VIIIX - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index Retirement Income Fund (TRILX) is 2.70%, while Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX) has a volatility of 4.24%. This indicates that TRILX experiences smaller price fluctuations and is considered to be less risky than VIIIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading graphics...
Volatility by Period
| TRILX | VIIIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.70% | 4.24% | -1.54% |
Volatility (6M)Calculated over the trailing 6-month period | 4.32% | 9.08% | -4.76% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.22% | 18.13% | -10.91% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.40% | 16.85% | -9.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.20% | 18.02% | -10.82% |