TSITX vs. TISIX
Compare and contrast key facts about TIAA-CREF Lifestyle Income Fund (TSITX) and TIAA-CREF Short Term Bond Fund (TISIX).
TSITX is managed by TIAA Investments. It was launched on Dec 8, 2011. TISIX is managed by TIAA Investments. It was launched on Mar 31, 2006.
Performance
TSITX vs. TISIX - Performance Comparison
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TSITX vs. TISIX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TSITX TIAA-CREF Lifestyle Income Fund | -2.12% | 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 | -0.09% | 5.91% | 4.59% | 5.07% | -3.32% | 0.18% | 3.76% | 4.43% | 1.25% | 1.88% |
Returns By Period
In the year-to-date period, TSITX achieves a -2.12% return, which is significantly lower than TISIX's -0.09% return. Over the past 10 years, TSITX has outperformed TISIX with an annualized return of 3.96%, while TISIX has yielded a comparatively lower 2.45% annualized return.
TSITX
- 1D
- 0.18%
- 1M
- -3.90%
- YTD
- -2.12%
- 6M
- -0.60%
- 1Y
- 5.55%
- 3Y*
- 6.31%
- 5Y*
- 2.69%
- 10Y*
- 3.96%
TISIX
- 1D
- 0.10%
- 1M
- -0.98%
- YTD
- -0.09%
- 6M
- 1.10%
- 1Y
- 4.05%
- 3Y*
- 4.61%
- 5Y*
- 2.43%
- 10Y*
- 2.45%
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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%.
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.
| TSITX | TISIX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.35 | 2.31 | -0.96 |
Sortino ratioReturn per unit of downside risk | 1.83 | 4.26 | -2.44 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.58 | -0.30 |
Calmar ratioReturn relative to maximum drawdown | 1.35 | 3.87 | -2.52 |
Martin ratioReturn relative to average drawdown | 6.86 | 16.04 | -9.17 |
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 | TISIX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.35 | 2.31 | -0.96 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.58 | 1.22 | -0.64 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.90 | 1.40 | -0.49 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.00 | 1.44 | -0.44 |
Correlation
The correlation between TSITX and TISIX is 0.36, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Dividends
TSITX vs. TISIX - Dividend Comparison
TSITX's dividend yield for the trailing twelve months is around 2.88%, less than TISIX's 3.99% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TSITX TIAA-CREF Lifestyle Income Fund | 2.88% | 3.66% | 3.83% | 3.29% | 3.82% | 4.97% | 3.75% | 3.56% | 3.68% | 1.93% | 3.02% | 2.24% |
TISIX TIAA-CREF Short Term Bond Fund | 3.99% | 4.34% | 3.57% | 3.18% | 2.10% | 1.63% | 2.14% | 2.87% | 2.21% | 1.87% | 1.86% | 1.72% |
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 (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 | -3.90% | -0.98% | -2.92% |
Average DrawdownAverage peak-to-trough decline | -1.87% | -0.50% | -1.37% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.80% | 0.28% | +0.52% |
Volatility
TSITX vs. TISIX - Volatility Comparison
TIAA-CREF Lifestyle Income Fund (TSITX) has a higher volatility of 1.97% compared to TIAA-CREF Short Term Bond Fund (TISIX) at 0.49%. 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 | 1.97% | 0.49% | +1.48% |
Volatility (6M)Calculated over the trailing 6-month period | 2.79% | 1.25% | +1.54% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.21% | 1.94% | +2.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.66% | 2.00% | +2.66% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.40% | 1.76% | +2.64% |