TTIIX vs. SCHD
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2055 Fund (TTIIX) and Schwab U.S. Dividend Equity ETF (SCHD).
TTIIX is managed by TIAA Investments. It was launched on Apr 28, 2011. SCHD is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Dividend 100 Index. It was launched on Oct 20, 2011.
Performance
TTIIX vs. SCHD - Performance Comparison
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TTIIX vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TTIIX TIAA-CREF Lifecycle Index 2055 Fund | -4.34% | 20.96% | 15.35% | 20.75% | -17.59% | 17.38% | 17.22% | 26.38% | -7.17% | 19.39% |
SCHD Schwab U.S. Dividend Equity ETF | 12.79% | 4.34% | 11.66% | 4.54% | -3.26% | 29.87% | 15.03% | 27.29% | -5.56% | 20.85% |
Returns By Period
In the year-to-date period, TTIIX achieves a -4.34% return, which is significantly lower than SCHD's 12.79% return. Over the past 10 years, TTIIX has underperformed SCHD with an annualized return of 10.76%, while SCHD has yielded a comparatively higher 12.31% annualized return.
TTIIX
- 1D
- -0.24%
- 1M
- -8.37%
- YTD
- -4.34%
- 6M
- -1.56%
- 1Y
- 16.31%
- 3Y*
- 14.68%
- 5Y*
- 8.29%
- 10Y*
- 10.76%
SCHD
- 1D
- 0.66%
- 1M
- -2.61%
- YTD
- 12.79%
- 6M
- 14.49%
- 1Y
- 13.97%
- 3Y*
- 12.05%
- 5Y*
- 8.44%
- 10Y*
- 12.31%
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TTIIX vs. SCHD - Expense Ratio Comparison
TTIIX has a 0.10% expense ratio, which is higher than SCHD's 0.06% 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
TTIIX vs. SCHD — Risk / Return Rank
TTIIX
SCHD
TTIIX vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2055 Fund (TTIIX) and Schwab U.S. Dividend Equity ETF (SCHD). 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.
| TTIIX | SCHD | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.07 | 0.89 | +0.18 |
Sortino ratioReturn per unit of downside risk | 1.57 | 1.35 | +0.23 |
Omega ratioGain probability vs. loss probability | 1.23 | 1.19 | +0.04 |
Calmar ratioReturn relative to maximum drawdown | 1.27 | 1.19 | +0.07 |
Martin ratioReturn relative to average drawdown | 5.98 | 3.99 | +1.99 |
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
| TTIIX | SCHD | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.07 | 0.89 | +0.18 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.59 | -0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.69 | 0.74 | -0.05 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.61 | 0.84 | -0.23 |
Correlation
The correlation between TTIIX and SCHD is 0.82, 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
TTIIX vs. SCHD - Dividend Comparison
TTIIX's dividend yield for the trailing twelve months is around 2.90%, less than SCHD's 3.44% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TTIIX TIAA-CREF Lifecycle Index 2055 Fund | 2.90% | 2.77% | 2.20% | 2.15% | 2.29% | 2.03% | 1.67% | 2.22% | 2.63% | 0.11% | 2.37% | 0.29% |
SCHD Schwab U.S. Dividend Equity ETF | 3.44% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
Drawdowns
TTIIX vs. SCHD - Drawdown Comparison
The maximum TTIIX drawdown since its inception was -31.76%, roughly equal to the maximum SCHD drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for TTIIX and SCHD.
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Drawdown Indicators
| TTIIX | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -31.76% | -33.37% | +1.61% |
Max Drawdown (1Y)Largest decline over 1 year | -10.91% | -12.74% | +1.83% |
Max Drawdown (5Y)Largest decline over 5 years | -25.49% | -16.85% | -8.64% |
Max Drawdown (10Y)Largest decline over 10 years | -31.76% | -33.37% | +1.61% |
Current DrawdownCurrent decline from peak | -8.92% | -2.89% | -6.03% |
Average DrawdownAverage peak-to-trough decline | -4.35% | -3.34% | -1.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.42% | 3.89% | -1.47% |
Volatility
TTIIX vs. SCHD - Volatility Comparison
TIAA-CREF Lifecycle Index 2055 Fund (TTIIX) has a higher volatility of 4.77% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 2.40%. This indicates that TTIIX's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TTIIX | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.77% | 2.40% | +2.37% |
Volatility (6M)Calculated over the trailing 6-month period | 8.66% | 7.96% | +0.70% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.37% | 15.74% | -0.37% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.55% | 14.40% | +0.15% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 15.67% | 16.70% | -1.03% |