TSIMX vs. AYBLX
TSIMX (TIAA-CREF Lifestyle Moderate Fund) and AYBLX (Pioneer Balanced ESG Fund) are both Diversified Portfolio funds. Over the past 10 years, TSIMX returned 7.82%/yr vs 9.99%/yr for AYBLX. Their correlation of 0.94 means they have usually moved in the same direction. TSIMX charges 0.10%/yr vs 0.65%/yr for AYBLX.
Performance
TSIMX vs. AYBLX - Performance Comparison
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Returns By Period
In the year-to-date period, TSIMX achieves a 4.93% return, which is significantly lower than AYBLX's 12.02% return. Over the past 10 years, TSIMX has underperformed AYBLX with an annualized return of 7.82%, while AYBLX has yielded a comparatively higher 9.99% annualized return.
TSIMX
- 1D
- 1.47%
- 1M
- -0.54%
- 6M
- 3.05%
- YTD
- 4.93%
- 1Y
- 12.76%
- 3Y*
- 11.30%
- 5Y*
- 5.39%
- 10Y*
- 7.82%
- ALL TIME*
- 8.07%
AYBLX
- 1D
- 0.92%
- 1M
- -1.73%
- 6M
- 9.12%
- YTD
- 12.02%
- 1Y
- 26.17%
- 3Y*
- 15.47%
- 5Y*
- 8.78%
- 10Y*
- 9.99%
- ALL TIME*
- 7.79%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $0.00 | $0.00 | $0.00 | |
| $0.00 | $0.00 | $0.00 |
TSIMX vs. AYBLX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TSIMX TIAA-CREF Lifestyle Moderate Fund | 4.93% | 14.84% | 10.44% | 16.18% | -17.07% | 9.97% | 15.44% | 20.51% | -6.99% | 15.01% |
AYBLX Pioneer Balanced ESG Fund | 12.02% | 19.80% | 9.64% | 15.41% | -14.39% | 15.48% | 12.92% | 22.22% | -4.43% | 15.19% |
Correlation
The correlation between TSIMX and AYBLX is 0.91, meaning they have usually moved in the same direction, including during past declines.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.91 |
Correlation (3Y) Balances recent behavior with more history. | 0.93 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.95 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.94 |
Correlation (All Time) Calculated using the full available price history since Dec 9, 2011 | 0.94 |
The correlation between TSIMX and AYBLX has been stable across timeframes, ranging from 0.91 to 0.95 - a consistent structural relationship.
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Return for Risk
TSIMX vs. AYBLX — Risk / Return Rank
TSIMX
AYBLX
TSIMX vs. AYBLX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifestyle Moderate Fund (TSIMX) and Pioneer Balanced ESG Fund (AYBLX). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| TSIMX | AYBLX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.19 | ||
| Sortino ratioReturn per unit of downside risk | -1.67 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.44 | -0.20 |
| Calmar ratioReturn relative to maximum drawdown | 1.62 | 3.93 | -2.32 |
| Martin ratioReturn relative to average drawdown | 6.97 | 16.91 | -9.94 |
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Drawdowns
TSIMX vs. AYBLX - Drawdown Comparison
The maximum TSIMX drawdown since its inception was -24.59%, smaller than the maximum AYBLX drawdown of -36.28%. Use the drawdown chart below to compare losses from any high point for TSIMX and AYBLX.
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Drawdown Indicators
| TSIMX | AYBLX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -24.59% | -36.28% | +11.69% |
Max Drawdown (1Y)Largest decline over 1 year | -7.43% | -6.41% | -1.02% |
Max Drawdown (3Y)Largest decline over 3 years | -10.36% | -13.39% | +3.03% |
Max Drawdown (5Y)Largest decline over 5 years | -23.74% | -20.26% | -3.48% |
Max Drawdown (10Y)Largest decline over 10 years | -24.59% | -24.24% | -0.35% |
Current DrawdownCurrent decline from peak | -1.31% | -2.40% | +1.09% |
Average DrawdownAverage peak-to-trough decline | -3.54% | -3.77% | +0.23% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.72% | 1.49% | +0.23% |
Volatility
TSIMX vs. AYBLX - Volatility Comparison
TIAA-CREF Lifestyle Moderate Fund (TSIMX) has a higher volatility of 2.82% compared to Pioneer Balanced ESG Fund (AYBLX) at 2.35%. This indicates that TSIMX's price experiences larger fluctuations and is considered to be riskier than AYBLX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TSIMX | AYBLX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.82% | 2.35% | +0.47% |
Volatility (6M)Calculated over the trailing 6-month period | 7.79% | 7.97% | -0.18% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.24% | 10.14% | -0.90% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.52% | 11.15% | -0.63% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 10.87% | 11.33% | -0.46% |
TSIMX vs. AYBLX - Expense Ratio Comparison
TSIMX has a 0.10% expense ratio, which is lower than AYBLX's 0.65% expense ratio.
Dividends
TSIMX vs. AYBLX - Dividend Comparison
TSIMX's dividend yield for the trailing twelve months is around 5.90%, more than AYBLX's 3.30% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AYBLX Pioneer Balanced ESG Fund | 3.30% | 3.58% | 2.59% | 1.76% | 3.23% | 8.61% | 4.12% | 6.03% | 9.97% | 9.42% | 2.63% | 4.14% |
TSIMX TIAA-CREF Lifestyle Moderate Fund | 5.90% | 6.57% | 3.03% | 2.69% | 7.25% | 9.67% | 5.65% | 4.63% | 4.91% | 1.67% | 3.98% | 3.10% |
Frequently Asked Questions
With a correlation of 0.91, TSIMX and AYBLX move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
TSIMX has higher volatility (2.82%) compared to AYBLX (2.35%). In terms of maximum drawdown, TSIMX dropped -24.59% vs AYBLX's -36.28%.
AYBLX currently has the higher Sharpe Ratio (2.49 vs 1.30), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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