TSITX vs. TILIX
TSITX (TIAA-CREF Lifestyle Income Fund) and TILIX (TIAA-CREF Large-Cap Growth Index Fund) are both mutual funds - TSITX is a Diversified Portfolio fund managed by TIAA Investments, while TILIX is a Large Cap Growth Equities fund managed by TIAA Investments. Over the past 10 years, TSITX returned 4.22%/yr vs 18.64%/yr for TILIX. A 0.74 correlation means they provide meaningful diversification when combined. TSITX charges 0.10%/yr vs 0.05%/yr for TILIX.
Performance
TSITX vs. TILIX - Performance Comparison
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Returns By Period
In the year-to-date period, TSITX achieves a 1.86% return, which is significantly lower than TILIX's 8.58% return. Over the past 10 years, TSITX has underperformed TILIX with an annualized return of 4.22%, while TILIX has yielded a comparatively higher 18.64% annualized return.
TSITX
- 1D
- 0.17%
- 1M
- 1.32%
- YTD
- 1.86%
- 6M
- 2.16%
- 1Y
- 8.23%
- 3Y*
- 7.52%
- 5Y*
- 3.15%
- 10Y*
- 4.22%
TILIX
- 1D
- -0.37%
- 1M
- 7.10%
- YTD
- 8.58%
- 6M
- 7.86%
- 1Y
- 27.30%
- 3Y*
- 25.49%
- 5Y*
- 16.00%
- 10Y*
- 18.64%
TSITX vs. TILIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TSITX TIAA-CREF Lifestyle Income Fund | 1.86% | 9.19% | 6.23% | 9.24% | -10.72% | 3.04% | 8.79% | 10.93% | -2.04% | 6.36% |
TILIX TIAA-CREF Large-Cap Growth Index Fund | 8.58% | 18.41% | 33.31% | 42.64% | -29.22% | 27.63% | 38.43% | 36.30% | -1.66% | 28.49% |
Correlation
The correlation between TSITX and TILIX is 0.68, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.68 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.64 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.69 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.72 |
Correlation (All Time) Calculated using the full available price history since Dec 12, 2011 | 0.74 |
The correlation between TSITX and TILIX has been stable across timeframes, ranging from 0.64 to 0.74 - a consistent structural relationship.
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Return for Risk
TSITX vs. TILIX — Risk / Return Rank
TSITX
TILIX
TSITX vs. TILIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifestyle Income Fund (TSITX) and TIAA-CREF Large-Cap Growth Index Fund (TILIX). 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.
| TSITX | TILIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.32 | ||
| Sortino ratioReturn per unit of downside risk | +0.56 | ||
| Omega ratioGain probability vs. loss probability | 1.45 | 1.32 | +0.13 |
| Calmar ratioReturn relative to maximum drawdown | 2.04 | 1.75 | +0.29 |
| Martin ratioReturn relative to average drawdown | 9.27 | 5.84 | +3.42 |
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
| TSITX | TILIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 2.16 | 1.84 | +0.32 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.67 | 0.75 | -0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.95 | 0.89 | +0.07 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.06 | 0.61 | +0.45 |
Drawdowns
TSITX vs. TILIX - Drawdown Comparison
The maximum TSITX drawdown since its inception was -14.75%, smaller than the maximum TILIX drawdown of -50.54%. Use the drawdown chart below to compare losses from any high point for TSITX and TILIX.
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Drawdown Indicators
| TSITX | TILIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.75% | -50.54% | +35.79% |
Max Drawdown (1Y)Largest decline over 1 year | -4.08% | -16.24% | +12.16% |
Max Drawdown (3Y)Largest decline over 3 years | -4.08% | -23.33% | +19.25% |
Max Drawdown (5Y)Largest decline over 5 years | -14.75% | -32.68% | +17.93% |
Max Drawdown (10Y)Largest decline over 10 years | -14.75% | -32.68% | +17.93% |
Current DrawdownCurrent decline from peak | 0.00% | -0.37% | +0.37% |
Average DrawdownAverage peak-to-trough decline | -1.86% | -7.73% | +5.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.89% | 4.84% | -3.95% |
Volatility
TSITX vs. TILIX - Volatility Comparison
The current volatility for TIAA-CREF Lifestyle Income Fund (TSITX) is 1.41%, while TIAA-CREF Large-Cap Growth Index Fund (TILIX) has a volatility of 3.32%. This indicates that TSITX experiences smaller price fluctuations and is considered to be less risky than TILIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TSITX | TILIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.41% | 3.32% | -1.91% |
Volatility (6M)Calculated over the trailing 6-month period | 3.25% | 11.60% | -8.35% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.84% | 15.42% | -11.58% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.71% | 21.47% | -16.76% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.44% | 21.09% | -16.65% |
TSITX vs. TILIX - Expense Ratio Comparison
TSITX has a 0.10% expense ratio, which is higher than TILIX's 0.05% 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%.
Dividends
TSITX vs. TILIX - Dividend Comparison
TSITX's dividend yield for the trailing twelve months is around 2.77%, less than TILIX's 4.06% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TILIX TIAA-CREF Large-Cap Growth Index Fund | 4.06% | 4.41% | 3.25% | 1.90% | 11.00% | 8.76% | 1.91% | 2.38% | 4.01% | 0.68% | 1.33% | 1.32% |
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 TILIX have a correlation of 0.68, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TILIX has higher volatility (3.32%) compared to TSITX (1.41%). In terms of maximum drawdown, TSITX dropped -14.75% vs TILIX's -50.54%.
TSITX currently has the higher Sharpe Ratio (2.16 vs 1.84), 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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