TTRIX vs. VOO

Last updated Jun 24, 2026

TTRIX (TIAA-CREF Lifecycle 2055 Fund) and VOO (Vanguard S&P 500 ETF) are both funds - TTRIX is a Target Retirement Date fund managed by TIAA Investments, while VOO is a S&P 500 fund tracking the S&P 500 Index. Over the past 10 years, TTRIX returned 11.85%/yr vs 15.61%/yr for VOO. With a 0.96 correlation, they move nearly in lockstep. TTRIX charges 0.22%/yr vs 0.03%/yr for VOO.

Performance

TTRIX vs. VOO - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in TIAA-CREF Lifecycle 2055 Fund (TTRIX) and Vanguard S&P 500 ETF (VOO). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, TTRIX achieves a 9.70% return, which is significantly higher than VOO's 8.19% return. Over the past 10 years, TTRIX has underperformed VOO with an annualized return of 11.85%, while VOO has yielded a comparatively higher 15.61% annualized return.

TTRIX

• 1D: -0.05%
• 1M: 2.12%
• YTD: 9.70%
• 6M: 9.08%
• 1Y: 23.94%
• 3Y*: 17.55%
• 5Y*: 9.07%
• 10Y*: 11.85%

VOO

• 1D: -1.42%
• 1M: -1.34%
• YTD: 8.19%
• 6M: 7.24%
• 1Y: 23.69%
• 3Y*: 20.78%
• 5Y*: 13.13%
• 10Y*: 15.61%

*Multi-year figures are annualized to reflect compound growth (CAGR)

TTRIX vs. VOO - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TTRIX TIAA-CREF Lifecycle 2055 Fund	9.70%	18.93%	14.46%	20.24%	-17.79%	16.55%	17.51%	26.37%	-9.93%	20.90%
VOO Vanguard S&P 500 ETF	8.19%	17.82%	24.98%	26.32%	-18.17%	28.79%	18.32%	31.37%	-4.50%	21.77%

Correlation

The correlation between TTRIX and VOO is 0.95 - these two move nearly in lockstep. At this level, holding both provides almost no diversification benefit. If you already own one, adding the other does little to reduce portfolio risk.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.95
Correlation (3Y) Calculated over the trailing 3-year period	0.96
Correlation (5Y) Calculated over the trailing 5-year period	0.96
Correlation (10Y) Calculated over the trailing 10-year period	0.96
Correlation (All Time) Calculated using the full available price history since May 2, 2011	0.96

The correlation between TTRIX and VOO has been stable across timeframes, ranging from 0.95 to 0.96 - a consistent structural relationship.

Return for Risk

TTRIX vs. VOO — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

TTRIX

TTRIX Risk / Return Rank: 54
TTRIX Sharpe Ratio Rank: 54
TTRIX Sortino Ratio Rank: 51
TTRIX Omega Ratio Rank: 52
TTRIX Calmar Ratio Rank: 52
TTRIX Martin Ratio Rank: 61

VOO

VOO Risk / Return Rank: 59
VOO Sharpe Ratio Rank: 59
VOO Sortino Ratio Rank: 56
VOO Omega Ratio Rank: 58
VOO Calmar Ratio Rank: 56
VOO Martin Ratio Rank: 67

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

TTRIX vs. VOO - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle 2055 Fund (TTRIX) and Vanguard S&P 500 ETF (VOO). 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.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	TTRIX	VOO	Difference
Sharpe ratio: Return per unit of total volatility	2.00	1.91	+0.08
Sortino ratio: Return per unit of downside risk	2.77	2.60	+0.16
Omega ratio: Gain probability vs. loss probability	1.37	1.35	+0.02
Calmar ratio: Return relative to maximum drawdown	2.65	2.67	-0.02
Martin ratio: Return relative to average drawdown	11.41	11.96	-0.55

TTRIX vs. VOO - Sharpe Ratio Comparison

The current TTRIX Sharpe Ratio is 2.00, which is comparable to the VOO Sharpe Ratio of 1.91. The chart below compares the historical Sharpe Ratios of TTRIX and VOO, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

TTRIX vs. VOO - Drawdown Comparison

The maximum TTRIX drawdown since its inception was -32.75%, roughly equal to the maximum VOO drawdown of -33.99%. Use the drawdown chart below to compare losses from any high point for TTRIX and VOO.

Drawdown Indicators

	TTRIX	VOO	Difference
Max Drawdown Largest peak-to-trough decline	-32.75%	-33.99%	+1.24%
Max Drawdown (1Y) Largest decline over 1 year	-9.43%	-8.90%	-0.53%
Max Drawdown (3Y) Largest decline over 3 years	-15.81%	-18.69%	+2.88%
Max Drawdown (5Y) Largest decline over 5 years	-25.87%	-24.52%	-1.35%
Max Drawdown (10Y) Largest decline over 10 years	-32.75%	-33.99%	+1.24%
Current Drawdown Current decline from peak	-0.14%	-3.14%	+3.00%
Average Drawdown Average peak-to-trough decline	-4.79%	-3.68%	-1.11%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.18%	1.99%	+0.19%

Volatility

TTRIX vs. VOO - Volatility Comparison

TIAA-CREF Lifecycle 2055 Fund (TTRIX) and Vanguard S&P 500 ETF (VOO) have volatilities of 4.78% and 4.83%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TTRIX	VOO	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.78%	4.83%	-0.05%
Volatility (6M) Calculated over the trailing 6-month period	10.29%	9.82%	+0.47%
Volatility (1Y) Calculated over the trailing 1-year period	12.54%	12.46%	+0.08%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.97%	16.91%	-1.94%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	16.23%	18.02%	-1.79%

TTRIX vs. VOO - Expense Ratio Comparison

TTRIX has a 0.22% expense ratio, which is higher than VOO'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%.

Dividends

TTRIX vs. VOO - Dividend Comparison

TTRIX's dividend yield for the trailing twelve months is around 5.94%, more than VOO's 1.05% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
TTRIX TIAA-CREF Lifecycle 2055 Fund	5.94%	6.52%	3.91%	1.88%	8.28%	10.18%	5.68%	5.23%	4.77%	0.79%	3.41%	3.02%
VOO Vanguard S&P 500 ETF	1.05%	1.13%	1.24%	1.46%	1.69%	1.25%	1.54%	1.88%	2.06%	1.78%	2.02%	2.10%

Frequently Asked Questions

Can I hold both TTRIX and VOO in my portfolio?

With a correlation of 0.95, TTRIX and VOO move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.

Which is riskier, TTRIX or VOO?

VOO has higher volatility (4.83%) compared to TTRIX (4.78%). In terms of maximum drawdown, TTRIX dropped -32.75% vs VOO's -33.99%.

Which has better risk-adjusted returns?

TTRIX currently has the higher Sharpe Ratio (2.00 vs 1.91), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.