TTRIX vs. SPY
Compare and contrast key facts about TIAA-CREF Lifecycle 2055 Fund (TTRIX) and State Street SPDR S&P 500 ETF (SPY).
TTRIX is managed by TIAA Investments. It was launched on Apr 28, 2011. SPY is a passively managed fund by State Street that tracks the performance of the S&P 500 Index. It was launched on Jan 22, 1993.
Performance
TTRIX vs. SPY - Performance Comparison
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TTRIX vs. SPY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TTRIX TIAA-CREF Lifecycle 2055 Fund | -5.34% | 18.93% | 14.46% | 20.24% | -17.79% | 16.55% | 17.51% | 26.37% | -9.93% | 20.90% |
SPY State Street SPDR S&P 500 ETF | -4.37% | 17.72% | 24.89% | 26.18% | -18.18% | 28.73% | 18.33% | 31.22% | -4.57% | 21.71% |
Returns By Period
In the year-to-date period, TTRIX achieves a -5.34% return, which is significantly lower than SPY's -4.37% return. Over the past 10 years, TTRIX has underperformed SPY with an annualized return of 10.05%, while SPY has yielded a comparatively higher 13.98% annualized return.
TTRIX
- 1D
- -0.33%
- 1M
- -8.84%
- YTD
- -5.34%
- 6M
- -2.59%
- 1Y
- 14.64%
- 3Y*
- 13.43%
- 5Y*
- 7.17%
- 10Y*
- 10.05%
SPY
- 1D
- 2.91%
- 1M
- -4.94%
- YTD
- -4.37%
- 6M
- -1.82%
- 1Y
- 17.59%
- 3Y*
- 18.19%
- 5Y*
- 11.69%
- 10Y*
- 13.98%
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TTRIX vs. SPY - Expense Ratio Comparison
TTRIX has a 0.22% expense ratio, which is higher than SPY's 0.09% 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
TTRIX vs. SPY — Risk / Return Rank
TTRIX
SPY
TTRIX vs. SPY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2055 Fund (TTRIX) and State Street SPDR S&P 500 ETF (SPY). 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.
| TTRIX | SPY | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.96 | 0.93 | +0.03 |
Sortino ratioReturn per unit of downside risk | 1.41 | 1.45 | -0.04 |
Omega ratioGain probability vs. loss probability | 1.21 | 1.22 | -0.02 |
Calmar ratioReturn relative to maximum drawdown | 1.12 | 1.53 | -0.40 |
Martin ratioReturn relative to average drawdown | 5.01 | 7.30 | -2.28 |
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
| TTRIX | SPY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.96 | 0.93 | +0.03 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.49 | 0.69 | -0.20 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.63 | 0.78 | -0.16 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.56 | 0.56 | -0.01 |
Correlation
The correlation between TTRIX and SPY 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
TTRIX vs. SPY - Dividend Comparison
TTRIX's dividend yield for the trailing twelve months is around 6.88%, more than SPY's 1.14% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TTRIX TIAA-CREF Lifecycle 2055 Fund | 6.88% | 6.52% | 3.91% | 1.88% | 8.28% | 10.18% | 5.68% | 5.23% | 4.77% | 0.79% | 3.41% | 3.02% |
SPY State Street SPDR S&P 500 ETF | 1.14% | 1.07% | 1.21% | 1.40% | 1.65% | 1.20% | 1.52% | 1.75% | 2.04% | 1.80% | 2.03% | 2.06% |
Drawdowns
TTRIX vs. SPY - Drawdown Comparison
The maximum TTRIX drawdown since its inception was -32.75%, smaller than the maximum SPY drawdown of -55.19%. Use the drawdown chart below to compare losses from any high point for TTRIX and SPY.
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Drawdown Indicators
| TTRIX | SPY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -32.75% | -55.19% | +22.44% |
Max Drawdown (1Y)Largest decline over 1 year | -10.75% | -12.05% | +1.30% |
Max Drawdown (5Y)Largest decline over 5 years | -25.87% | -24.50% | -1.37% |
Max Drawdown (10Y)Largest decline over 10 years | -32.75% | -33.72% | +0.97% |
Current DrawdownCurrent decline from peak | -9.43% | -6.24% | -3.19% |
Average DrawdownAverage peak-to-trough decline | -4.85% | -9.09% | +4.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.53% | 2.52% | +0.01% |
Volatility
TTRIX vs. SPY - Volatility Comparison
The current volatility for TIAA-CREF Lifecycle 2055 Fund (TTRIX) is 4.87%, while State Street SPDR S&P 500 ETF (SPY) has a volatility of 5.31%. This indicates that TTRIX experiences smaller price fluctuations and is considered to be less risky than SPY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TTRIX | SPY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 4.87% | 5.31% | -0.44% |
Volatility (6M)Calculated over the trailing 6-month period | 8.98% | 9.47% | -0.49% |
Volatility (1Y)Calculated over the trailing 1-year period | 15.56% | 19.05% | -3.49% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 14.77% | 17.06% | -2.29% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 16.14% | 17.92% | -1.78% |