TSITX vs. TAIAX
TSITX (TIAA-CREF Lifestyle Income Fund) and TAIAX (American Funds Tax-Aware Conservative Growth and Income Portfolio) are both Diversified Portfolio funds. Over the past 10 years, TSITX returned 4.28%/yr vs 7.94%/yr for TAIAX. Their correlation of 0.80 suggests significant overlap in exposure. TSITX charges 0.10%/yr vs 0.34%/yr for TAIAX.
Performance
TSITX vs. TAIAX - Performance Comparison
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Returns By Period
In the year-to-date period, TSITX achieves a 1.77% return, which is significantly lower than TAIAX's 6.28% return. Over the past 10 years, TSITX has underperformed TAIAX with an annualized return of 4.28%, while TAIAX has yielded a comparatively higher 7.94% annualized return.
TSITX
- 1D
- -0.17%
- 1M
- 0.79%
- YTD
- 1.77%
- 6M
- 1.77%
- 1Y
- 7.36%
- 3Y*
- 7.36%
- 5Y*
- 3.06%
- 10Y*
- 4.28%
TAIAX
- 1D
- -0.11%
- 1M
- 1.47%
- YTD
- 6.28%
- 6M
- 6.05%
- 1Y
- 15.45%
- 3Y*
- 12.33%
- 5Y*
- 7.06%
- 10Y*
- 7.94%
TSITX vs. TAIAX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TSITX TIAA-CREF Lifestyle Income Fund | 1.77% | 9.19% | 6.23% | 9.24% | -10.72% | 3.04% | 8.79% | 10.93% | -2.04% | 6.36% |
TAIAX American Funds Tax-Aware Conservative Growth and Income Portfolio | 6.28% | 13.27% | 10.09% | 11.74% | -10.18% | 13.47% | 7.46% | 16.26% | -2.17% | 14.25% |
Correlation
The correlation between TSITX and TAIAX is 0.85, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.85 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.79 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.80 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.80 |
Correlation (All Time) Calculated using the full available price history since May 21, 2012 | 0.80 |
The correlation between TSITX and TAIAX has been stable across timeframes, ranging from 0.79 to 0.85 - a consistent structural relationship.
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Return for Risk
TSITX vs. TAIAX — Risk / Return Rank
TSITX
TAIAX
TSITX vs. TAIAX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifestyle Income Fund (TSITX) and American Funds Tax-Aware Conservative Growth and Income Portfolio (TAIAX). 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.
| TSITX | TAIAX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.47 | ||
| Sortino ratioReturn per unit of downside risk | -0.65 | ||
| Omega ratioGain probability vs. loss probability | 1.39 | 1.47 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 1.89 | 2.60 | -0.71 |
| Martin ratioReturn relative to average drawdown | 8.53 | 11.91 | -3.38 |
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Drawdowns
TSITX vs. TAIAX - Drawdown Comparison
The maximum TSITX drawdown since its inception was -14.75%, smaller than the maximum TAIAX drawdown of -21.42%. Use the drawdown chart below to compare losses from any high point for TSITX and TAIAX.
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Drawdown Indicators
| TSITX | TAIAX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.75% | -21.42% | +6.67% |
Max Drawdown (1Y)Largest decline over 1 year | -4.08% | -6.16% | +2.08% |
Max Drawdown (3Y)Largest decline over 3 years | -4.08% | -8.75% | +4.67% |
Max Drawdown (5Y)Largest decline over 5 years | -14.75% | -16.76% | +2.01% |
Max Drawdown (10Y)Largest decline over 10 years | -14.75% | -21.42% | +6.67% |
Current DrawdownCurrent decline from peak | -0.17% | -0.22% | +0.05% |
Average DrawdownAverage peak-to-trough decline | -1.85% | -2.20% | +0.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.90% | 1.34% | -0.44% |
Volatility
TSITX vs. TAIAX - Volatility Comparison
The current volatility for TIAA-CREF Lifestyle Income Fund (TSITX) is 1.58%, while American Funds Tax-Aware Conservative Growth and Income Portfolio (TAIAX) has a volatility of 2.37%. This indicates that TSITX experiences smaller price fluctuations and is considered to be less risky than TAIAX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TSITX | TAIAX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.58% | 2.37% | -0.79% |
Volatility (6M)Calculated over the trailing 6-month period | 3.50% | 5.64% | -2.14% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.06% | 6.75% | -2.69% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.75% | 7.67% | -2.92% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.46% | 8.21% | -3.75% |
TSITX vs. TAIAX - Expense Ratio Comparison
TSITX has a 0.10% expense ratio, which is lower than TAIAX's 0.34% expense ratio.
Dividends
TSITX vs. TAIAX - Dividend Comparison
TSITX's dividend yield for the trailing twelve months is around 2.77%, less than TAIAX's 4.87% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TAIAX American Funds Tax-Aware Conservative Growth and Income Portfolio | 4.87% | 5.18% | 5.16% | 4.29% | 4.37% | 3.40% | 2.65% | 4.01% | 4.54% | 4.04% | 2.77% | 3.38% |
TSITX TIAA-CREF Lifestyle Income Fund | 2.77% | 3.66% | 3.83% | 3.29% | 3.82% | 4.97% | 3.75% | 3.56% | 3.68% | 1.93% | 3.02% | 2.24% |
Frequently Asked Questions
TSITX and TAIAX have a correlation of 0.85, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TAIAX has higher volatility (2.37%) compared to TSITX (1.58%). In terms of maximum drawdown, TSITX dropped -14.75% vs TAIAX's -21.42%.
TAIAX currently has the higher Sharpe Ratio (2.38 vs 1.90), 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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