TSITX vs. VTI
Compare and contrast key facts about TIAA-CREF Lifestyle Income Fund (TSITX) and Vanguard Total Stock Market ETF (VTI).
TSITX is managed by TIAA Investments. It was launched on Dec 8, 2011. VTI is a passively managed fund by Vanguard that tracks the performance of the CRSP US Total Market Index. It was launched on Jun 27, 2016.
Performance
TSITX vs. VTI - Performance Comparison
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TSITX vs. VTI - 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% |
VTI Vanguard Total Stock Market ETF | -4.01% | 17.10% | 23.81% | 26.05% | -19.52% | 25.68% | 21.08% | 30.67% | -5.23% | 21.21% |
Returns By Period
In the year-to-date period, TSITX achieves a -2.12% return, which is significantly higher than VTI's -4.01% return. Over the past 10 years, TSITX has underperformed VTI with an annualized return of 3.96%, while VTI has yielded a comparatively higher 13.60% 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%
VTI
- 1D
- 2.93%
- 1M
- -5.00%
- YTD
- -4.01%
- 6M
- -1.66%
- 1Y
- 18.11%
- 3Y*
- 17.84%
- 5Y*
- 10.46%
- 10Y*
- 13.60%
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TSITX vs. VTI - Expense Ratio Comparison
TSITX has a 0.10% expense ratio, which is higher than VTI's 0.03% 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%.
Return for Risk
TSITX vs. VTI — Risk / Return Rank
TSITX
VTI
TSITX vs. VTI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifestyle Income Fund (TSITX) and Vanguard Total Stock Market ETF (VTI). 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 | VTI | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.35 | 0.96 | +0.40 |
Sortino ratioReturn per unit of downside risk | 1.83 | 1.48 | +0.34 |
Omega ratioGain probability vs. loss probability | 1.28 | 1.23 | +0.05 |
Calmar ratioReturn relative to maximum drawdown | 1.35 | 1.52 | -0.17 |
Martin ratioReturn relative to average drawdown | 6.86 | 7.26 | -0.39 |
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 | VTI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.35 | 0.96 | +0.40 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.58 | 0.60 | -0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.90 | 0.75 | +0.16 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.00 | 0.48 | +0.53 |
Correlation
The correlation between TSITX and VTI is 0.77, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
TSITX vs. VTI - Dividend Comparison
TSITX's dividend yield for the trailing twelve months is around 2.88%, more than VTI's 1.17% 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% |
VTI Vanguard Total Stock Market ETF | 1.17% | 1.12% | 1.27% | 1.44% | 1.66% | 1.21% | 1.42% | 1.78% | 2.04% | 1.71% | 1.92% | 1.98% |
Drawdowns
TSITX vs. VTI - Drawdown Comparison
The maximum TSITX drawdown since its inception was -14.75%, smaller than the maximum VTI drawdown of -55.45%. Use the drawdown chart below to compare losses from any high point for TSITX and VTI.
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Drawdown Indicators
| TSITX | VTI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -14.75% | -55.45% | +40.70% |
Max Drawdown (1Y)Largest decline over 1 year | -4.08% | -12.30% | +8.22% |
Max Drawdown (5Y)Largest decline over 5 years | -14.75% | -25.36% | +10.61% |
Max Drawdown (10Y)Largest decline over 10 years | -14.75% | -35.00% | +20.25% |
Current DrawdownCurrent decline from peak | -3.90% | -6.25% | +2.35% |
Average DrawdownAverage peak-to-trough decline | -1.87% | -8.08% | +6.21% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.80% | 2.58% | -1.78% |
Volatility
TSITX vs. VTI - Volatility Comparison
The current volatility for TIAA-CREF Lifestyle Income Fund (TSITX) is 1.97%, while Vanguard Total Stock Market ETF (VTI) has a volatility of 5.45%. This indicates that TSITX experiences smaller price fluctuations and is considered to be less risky than VTI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TSITX | VTI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.97% | 5.45% | -3.48% |
Volatility (6M)Calculated over the trailing 6-month period | 2.79% | 9.73% | -6.94% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.21% | 19.01% | -14.80% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.66% | 17.42% | -12.76% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.40% | 18.29% | -13.89% |