TSITX vs. TISIX
TSITX (TIAA-CREF Lifestyle Income Fund) and TISIX (TIAA-CREF Short Term Bond Fund) are both mutual funds - TSITX is a Diversified Portfolio fund managed by TIAA Investments, while TISIX is a Short-Term Bond fund managed by TIAA Investments. Over the past 10 years, TSITX returned 4.24%/yr vs 2.47%/yr for TISIX. At a 0.37 correlation, their price movements are largely independent. TSITX charges 0.10%/yr vs 0.26%/yr for TISIX.
Performance
TSITX vs. TISIX - Performance Comparison
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Returns By Period
In the year-to-date period, TSITX achieves a 1.94% return, which is significantly higher than TISIX's 0.70% return. Over the past 10 years, TSITX has outperformed TISIX with an annualized return of 4.24%, while TISIX has yielded a comparatively lower 2.47% annualized return.
TSITX
- 1D
- 0.35%
- 1M
- 0.96%
- YTD
- 1.94%
- 6M
- 2.12%
- 1Y
- 7.84%
- 3Y*
- 7.31%
- 5Y*
- 3.15%
- 10Y*
- 4.24%
TISIX
- 1D
- 0.00%
- 1M
- 0.37%
- YTD
- 0.70%
- 6M
- 1.17%
- 1Y
- 4.01%
- 3Y*
- 4.88%
- 5Y*
- 2.54%
- 10Y*
- 2.47%
TSITX vs. TISIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TSITX TIAA-CREF Lifestyle Income Fund | 1.94% | 9.19% | 6.23% | 9.24% | -10.72% | 3.04% | 8.79% | 10.93% | -2.04% | 6.36% |
TISIX TIAA-CREF Short Term Bond Fund | 0.70% | 5.91% | 4.59% | 5.07% | -3.32% | 0.18% | 3.76% | 4.43% | 1.25% | 1.88% |
Correlation
The correlation between TSITX and TISIX is 0.53, 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 | 0.53 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.57 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.57 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.42 |
Correlation (All Time) Calculated using the full available price history since Dec 9, 2011 | 0.37 |
The correlation between TSITX and TISIX shifts across timeframes, from 0.37 (all time) to 0.57 (3 years), reflecting how their relationship changes across market environments.
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Return for Risk
TSITX vs. TISIX — Risk / Return Rank
TSITX
TISIX
TSITX vs. TISIX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifestyle Income Fund (TSITX) and TIAA-CREF Short Term Bond Fund (TISIX). 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 | TISIX | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.21 | ||
| Sortino ratioReturn per unit of downside risk | -1.48 | ||
| Omega ratioGain probability vs. loss probability | 1.40 | 1.56 | -0.16 |
| Calmar ratioReturn relative to maximum drawdown | 1.94 | 3.45 | -1.51 |
| Martin ratioReturn relative to average drawdown | 8.74 | 14.03 | -5.29 |
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Drawdowns
TSITX vs. TISIX - Drawdown Comparison
The maximum TSITX drawdown since its inception was -14.75%, which is greater than TISIX's maximum drawdown of -5.31%. Use the drawdown chart below to compare losses from any high point for TSITX and TISIX.
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Drawdown Indicators
| TSITX | TISIX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.75% | -5.31% | -9.44% |
Max Drawdown (1Y)Largest decline over 1 year | -4.08% | -1.17% | -2.91% |
Max Drawdown (3Y)Largest decline over 3 years | -4.08% | -1.17% | -2.91% |
Max Drawdown (5Y)Largest decline over 5 years | -14.75% | -5.31% | -9.44% |
Max Drawdown (10Y)Largest decline over 10 years | -14.75% | -5.31% | -9.44% |
Current DrawdownCurrent decline from peak | 0.00% | -0.30% | +0.30% |
Average DrawdownAverage peak-to-trough decline | -1.85% | -0.50% | -1.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.90% | 0.29% | +0.61% |
Volatility
TSITX vs. TISIX - Volatility Comparison
TIAA-CREF Lifestyle Income Fund (TSITX) has a higher volatility of 1.63% compared to TIAA-CREF Short Term Bond Fund (TISIX) at 0.67%. This indicates that TSITX's price experiences larger fluctuations and is considered to be riskier than TISIX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TSITX | TISIX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.63% | 0.67% | +0.96% |
Volatility (6M)Calculated over the trailing 6-month period | 3.49% | 1.41% | +2.08% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.05% | 1.87% | +2.18% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.75% | 2.05% | +2.70% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.46% | 1.79% | +2.67% |
TSITX vs. TISIX - Expense Ratio Comparison
TSITX has a 0.10% expense ratio, which is lower than TISIX's 0.26% 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%.
Dividends
TSITX vs. TISIX - Dividend Comparison
TSITX's dividend yield for the trailing twelve months is around 2.77%, less than TISIX's 4.35% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TISIX TIAA-CREF Short Term Bond Fund | 4.35% | 4.34% | 3.57% | 3.18% | 2.10% | 1.63% | 2.14% | 2.87% | 2.21% | 1.87% | 1.86% | 1.72% |
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 TISIX have a correlation of 0.53, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TSITX has higher volatility (1.63%) compared to TISIX (0.67%). In terms of maximum drawdown, TSITX dropped -14.75% vs TISIX's -5.31%.
TISIX currently has the higher Sharpe Ratio (2.16 vs 1.95), 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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