TSAIX vs. SPY
Compare and contrast key facts about TIAA-CREF Lifestyle Aggressive Growth Fund (TSAIX) and State Street SPDR S&P 500 ETF (SPY).
TSAIX is managed by TIAA Investments. It was launched on Dec 8, 2011. 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.
Performance
TSAIX vs. SPY - Performance Comparison
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TSAIX vs. SPY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TSAIX TIAA-CREF Lifestyle Aggressive Growth Fund | -5.91% | 20.04% | 15.46% | 22.72% | -19.57% | 17.10% | 19.69% | 27.97% | -11.27% | 22.35% |
SPY State Street SPDR S&P 500 ETF | -4.37% | 17.72% | 24.89% | 26.18% | -18.18% | 28.73% | 18.33% | 31.22% | -4.57% | 21.71% |
Returns By Period
In the year-to-date period, TSAIX achieves a -5.91% return, which is significantly lower than SPY's -4.37% return. Over the past 10 years, TSAIX has underperformed SPY with an annualized return of 10.54%, while SPY has yielded a comparatively higher 13.98% annualized return.
TSAIX
- 1D
- -0.38%
- 1M
- -9.58%
- YTD
- -5.91%
- 6M
- -3.06%
- 1Y
- 15.39%
- 3Y*
- 14.41%
- 5Y*
- 7.42%
- 10Y*
- 10.54%
SPY
- 1D
- 2.91%
- 1M
- -4.94%
- YTD
- -4.37%
- 6M
- -1.82%
- 1Y
- 17.59%
- 3Y*
- 18.19%
- 5Y*
- 11.69%
- 10Y*
- 13.98%
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TSAIX vs. SPY - Expense Ratio Comparison
TSAIX has a 0.04% expense ratio, which is lower than SPY's 0.09% expense ratio. Despite the difference, 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
TSAIX vs. SPY — Risk / Return Rank
TSAIX
SPY
TSAIX vs. SPY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifestyle Aggressive Growth Fund (TSAIX) and State Street 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.
| TSAIX | SPY | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.92 | 0.93 | -0.01 |
Sortino ratioReturn per unit of downside risk | 1.37 | 1.45 | -0.09 |
Omega ratioGain probability vs. loss probability | 1.20 | 1.22 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.08 | 1.53 | -0.45 |
Martin ratioReturn relative to average drawdown | 4.80 | 7.30 | -2.50 |
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
| TSAIX | SPY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.92 | 0.93 | -0.01 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.46 | 0.69 | -0.23 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.60 | 0.78 | -0.18 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.65 | 0.56 | +0.09 |
Correlation
The correlation between TSAIX and SPY is 0.96, 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
TSAIX vs. SPY - Dividend Comparison
TSAIX's dividend yield for the trailing twelve months is around 7.84%, more than SPY's 1.14% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TSAIX TIAA-CREF Lifestyle Aggressive Growth Fund | 7.84% | 7.38% | 2.94% | 1.81% | 9.27% | 11.82% | 5.59% | 5.71% | 5.71% | 1.13% | 4.12% | 7.19% |
SPY State Street SPDR S&P 500 ETF | 1.14% | 1.07% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% |
Drawdowns
TSAIX vs. SPY - Drawdown Comparison
The maximum TSAIX drawdown since its inception was -34.58%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for TSAIX and SPY.
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Drawdown Indicators
| TSAIX | SPY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -34.58% | -55.19% | +20.61% |
Max Drawdown (1Y)Largest decline over 1 year | -11.72% | -12.05% | +0.33% |
Max Drawdown (5Y)Largest decline over 5 years | -28.28% | -24.50% | -3.78% |
Max Drawdown (10Y)Largest decline over 10 years | -34.58% | -33.72% | -0.86% |
Current DrawdownCurrent decline from peak | -10.28% | -6.24% | -4.04% |
Average DrawdownAverage peak-to-trough decline | -4.96% | -9.09% | +4.13% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.77% | 2.52% | +0.25% |
Volatility
TSAIX vs. SPY - Volatility Comparison
TIAA-CREF Lifestyle Aggressive Growth Fund (TSAIX) and State Street SPDR S&P 500 ETF (SPY) have volatilities of 5.29% and 5.31%, 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
| TSAIX | SPY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.29% | 5.31% | -0.02% |
Volatility (6M)Calculated over the trailing 6-month period | 9.81% | 9.47% | +0.34% |
Volatility (1Y)Calculated over the trailing 1-year period | 17.09% | 19.05% | -1.96% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 16.15% | 17.06% | -0.91% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 17.59% | 17.92% | -0.33% |