TTFIX vs. TISPX
Compare and contrast key facts about TIAA-CREF Lifecycle 2045 Fund (TTFIX) and TIAA-CREF S&P 500 Index Fund (TISPX).
TTFIX is managed by TIAA Investments. It was launched on Nov 29, 2007. TISPX is managed by TIAA Investments. It was launched on Oct 1, 2002.
Performance
TTFIX vs. TISPX - Performance Comparison
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TTFIX vs. TISPX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TTFIX TIAA-CREF Lifecycle 2045 Fund | -4.93% | 18.19% | 13.81% | 19.47% | -17.38% | 15.83% | 17.29% | 25.88% | -9.67% | 20.10% |
TISPX TIAA-CREF S&P 500 Index Fund | -7.06% | 17.79% | 24.94% | 26.22% | -18.13% | 28.66% | 18.34% | 31.44% | -4.52% | 19.58% |
Returns By Period
In the year-to-date period, TTFIX achieves a -4.93% return, which is significantly higher than TISPX's -7.06% return. Over the past 10 years, TTFIX has underperformed TISPX with an annualized return of 9.77%, while TISPX has yielded a comparatively higher 13.49% annualized return.
TTFIX
- 1D
- -0.27%
- 1M
- -8.27%
- YTD
- -4.93%
- 6M
- -2.23%
- 1Y
- 14.07%
- 3Y*
- 12.95%
- 5Y*
- 6.91%
- 10Y*
- 9.77%
TISPX
- 1D
- -0.41%
- 1M
- -7.68%
- YTD
- -7.06%
- 6M
- -4.64%
- 1Y
- 14.36%
- 3Y*
- 17.11%
- 5Y*
- 11.36%
- 10Y*
- 13.49%
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TTFIX vs. TISPX - Expense Ratio Comparison
TTFIX has a 0.23% expense ratio, which is higher than TISPX'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%.
Return for Risk
TTFIX vs. TISPX — Risk / Return Rank
TTFIX
TISPX
TTFIX vs. TISPX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2045 Fund (TTFIX) and TIAA-CREF S&P 500 Index Fund (TISPX). 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.
| TTFIX | TISPX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.99 | 0.84 | +0.15 |
Sortino ratioReturn per unit of downside risk | 1.44 | 1.30 | +0.15 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.20 | +0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.17 | 0.99 | +0.17 |
Martin ratioReturn relative to average drawdown | 5.19 | 4.83 | +0.37 |
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
| TTFIX | TISPX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.99 | 0.84 | +0.15 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.50 | 0.68 | -0.18 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.63 | 0.75 | -0.12 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.38 | 0.58 | -0.20 |
Correlation
The correlation between TTFIX and TISPX is 0.96, 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
TTFIX vs. TISPX - Dividend Comparison
TTFIX's dividend yield for the trailing twelve months is around 8.23%, more than TISPX's 2.53% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TTFIX TIAA-CREF Lifecycle 2045 Fund | 8.23% | 7.82% | 3.97% | 2.13% | 9.04% | 12.44% | 7.49% | 5.70% | 5.45% | 0.84% | 4.01% | 3.66% |
TISPX TIAA-CREF S&P 500 Index Fund | 2.53% | 2.35% | 1.52% | 1.48% | 1.91% | 1.77% | 1.53% | 2.16% | 2.94% | 0.36% | 2.39% | 0.65% |
Drawdowns
TTFIX vs. TISPX - Drawdown Comparison
The maximum TTFIX drawdown since its inception was -53.24%, roughly equal to the maximum TISPX drawdown of -55.16%. Use the drawdown chart below to compare losses from any high point for TTFIX and TISPX.
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Drawdown Indicators
| TTFIX | TISPX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -53.24% | -55.16% | +1.92% |
Max Drawdown (1Y)Largest decline over 1 year | -10.16% | -12.11% | +1.95% |
Max Drawdown (5Y)Largest decline over 5 years | -25.25% | -24.48% | -0.77% |
Max Drawdown (10Y)Largest decline over 10 years | -32.21% | -33.75% | +1.54% |
Current DrawdownCurrent decline from peak | -8.84% | -8.90% | +0.06% |
Average DrawdownAverage peak-to-trough decline | -8.30% | -6.76% | -1.54% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.38% | 2.56% | -0.18% |
Volatility
TTFIX vs. TISPX - Volatility Comparison
TIAA-CREF Lifecycle 2045 Fund (TTFIX) has a higher volatility of 4.52% compared to TIAA-CREF S&P 500 Index Fund (TISPX) at 4.24%. This indicates that TTFIX's price experiences larger fluctuations and is considered to be riskier than TISPX based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TTFIX | TISPX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.52% | 4.24% | +0.28% |
Volatility (6M)Calculated over the trailing 6-month period | 8.33% | 9.09% | -0.76% |
Volatility (1Y)Calculated over the trailing 1-year period | 14.50% | 18.14% | -3.64% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.01% | 16.85% | -2.84% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.53% | 18.03% | -2.50% |