TRILX vs. VOO
Compare and contrast key facts about TIAA-CREF Lifecycle Index Retirement Income Fund (TRILX) and Vanguard S&P 500 ETF (VOO).
TRILX is managed by TIAA Investments. It was launched on Sep 29, 2009. VOO is a passively managed fund by Vanguard that tracks the performance of the S&P 500 Index. It was launched on Sep 7, 2010.
Performance
TRILX vs. VOO - Performance Comparison
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TRILX vs. VOO - 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% |
VOO Vanguard S&P 500 ETF | -4.42% | 17.82% | 24.98% | 26.32% | -18.17% | 28.79% | 18.32% | 31.37% | -4.50% | 21.77% |
Returns By Period
In the year-to-date period, TRILX achieves a -2.41% return, which is significantly higher than VOO's -4.42% return. Over the past 10 years, TRILX has underperformed VOO with an annualized return of 5.76%, while VOO has yielded a comparatively higher 14.05% 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%
VOO
- 1D
- 2.86%
- 1M
- -5.01%
- YTD
- -4.42%
- 6M
- -1.84%
- 1Y
- 17.67%
- 3Y*
- 18.27%
- 5Y*
- 11.75%
- 10Y*
- 14.05%
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TRILX vs. VOO - Expense Ratio Comparison
TRILX has a 0.10% expense ratio, which is higher than VOO'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
TRILX vs. VOO — Risk / Return Rank
TRILX
VOO
TRILX vs. VOO - 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 S&P 500 ETF (VOO). 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 | VOO | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.24 | 0.98 | +0.26 |
Sortino ratioReturn per unit of downside risk | 1.76 | 1.50 | +0.26 |
Omega ratioGain probability vs. loss probability | 1.25 | 1.23 | +0.03 |
Calmar ratioReturn relative to maximum drawdown | 1.58 | 1.53 | +0.05 |
Martin ratioReturn relative to average drawdown | 6.84 | 7.29 | -0.46 |
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
| TRILX | VOO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.24 | 0.98 | +0.26 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.56 | 0.70 | -0.14 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.80 | 0.78 | +0.02 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.89 | 0.83 | +0.06 |
Correlation
The correlation between TRILX and VOO 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. VOO - Dividend Comparison
TRILX's dividend yield for the trailing twelve months is around 3.07%, more than VOO's 1.19% 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% |
VOO Vanguard S&P 500 ETF | 1.19% | 1.13% | 1.24% | 1.46% | 1.69% | 1.25% | 1.54% | 1.88% | 2.06% | 1.78% | 2.02% | 2.10% |
Drawdowns
TRILX vs. VOO - Drawdown Comparison
The maximum TRILX drawdown since its inception was -18.55%, smaller than the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for TRILX and VOO.
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Drawdown Indicators
| TRILX | VOO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.55% | -33.99% | +15.44% |
Max Drawdown (1Y)Largest decline over 1 year | -5.30% | -11.98% | +6.68% |
Max Drawdown (5Y)Largest decline over 5 years | -18.55% | -24.52% | +5.97% |
Max Drawdown (10Y)Largest decline over 10 years | -18.55% | -33.99% | +15.44% |
Current DrawdownCurrent decline from peak | -5.19% | -6.29% | +1.10% |
Average DrawdownAverage peak-to-trough decline | -2.32% | -3.72% | +1.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.23% | 2.52% | -1.29% |
Volatility
TRILX vs. VOO - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle Index Retirement Income Fund (TRILX) is 2.70%, while Vanguard S&P 500 ETF (VOO) has a volatility of 5.29%. This indicates that TRILX experiences smaller price fluctuations and is considered to be less risky than VOO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TRILX | VOO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.70% | 5.29% | -2.59% |
Volatility (6M)Calculated over the trailing 6-month period | 4.32% | 9.44% | -5.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 7.22% | 18.10% | -10.88% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 7.40% | 16.82% | -9.42% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 7.20% | 17.99% | -10.79% |