URINX vs. TCLEX
Compare and contrast key facts about USAA Target Retirement Income Fund (URINX) and TIAA-CREF Lifecycle 2010 Fund (TCLEX).
URINX is managed by Victory. It was launched on Jul 30, 2008. TCLEX is managed by TIAA Investments. It was launched on Oct 14, 2004.
Performance
URINX vs. TCLEX - Performance Comparison
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URINX vs. TCLEX - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
URINX USAA Target Retirement Income Fund | 0.62% | 12.36% | 6.66% | 10.79% | -10.38% | 6.47% | 8.74% | 11.72% | -3.00% | 8.34% |
TCLEX TIAA-CREF Lifecycle 2010 Fund | -0.97% | 11.22% | 7.31% | 10.64% | -12.64% | 6.62% | 10.95% | 15.14% | -4.14% | 9.99% |
Returns By Period
In the year-to-date period, URINX achieves a 0.62% return, which is significantly higher than TCLEX's -0.97% return. Both investments have delivered pretty close results over the past 10 years, with URINX having a 5.47% annualized return and TCLEX not far ahead at 5.54%.
URINX
- 1D
- 1.07%
- 1M
- -2.47%
- YTD
- 0.62%
- 6M
- 2.27%
- 1Y
- 10.88%
- 3Y*
- 8.94%
- 5Y*
- 4.52%
- 10Y*
- 5.47%
TCLEX
- 1D
- 1.06%
- 1M
- -2.77%
- YTD
- -0.97%
- 6M
- 0.60%
- 1Y
- 8.86%
- 3Y*
- 8.00%
- 5Y*
- 3.71%
- 10Y*
- 5.54%
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URINX vs. TCLEX - Expense Ratio Comparison
URINX has a 0.04% expense ratio, which is lower than TCLEX's 0.51% expense ratio.
Return for Risk
URINX vs. TCLEX — Risk / Return Rank
URINX
TCLEX
URINX vs. TCLEX - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USAA Target Retirement Income Fund (URINX) and TIAA-CREF Lifecycle 2010 Fund (TCLEX). 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.
| URINX | TCLEX | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.83 | 1.50 | +0.34 |
Sortino ratioReturn per unit of downside risk | 2.62 | 2.11 | +0.50 |
Omega ratioGain probability vs. loss probability | 1.38 | 1.30 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 2.52 | 1.99 | +0.52 |
Martin ratioReturn relative to average drawdown | 10.91 | 8.08 | +2.83 |
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
| URINX | TCLEX | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.83 | 1.50 | +0.34 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.73 | 0.54 | +0.19 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.95 | 0.80 | +0.15 |
Sharpe Ratio (All Time)Calculated using the full available price history | 1.11 | 0.58 | +0.52 |
Correlation
The correlation between URINX and TCLEX is 0.94, 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
URINX vs. TCLEX - Dividend Comparison
URINX's dividend yield for the trailing twelve months is around 6.08%, more than TCLEX's 5.38% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
URINX USAA Target Retirement Income Fund | 6.08% | 6.07% | 4.22% | 3.48% | 6.63% | 6.66% | 3.97% | 6.37% | 6.11% | 5.68% | 3.34% | 4.54% |
TCLEX TIAA-CREF Lifecycle 2010 Fund | 5.38% | 5.33% | 4.44% | 2.95% | 5.91% | 8.53% | 6.93% | 3.95% | 5.60% | 1.72% | 3.45% | 2.47% |
Drawdowns
URINX vs. TCLEX - Drawdown Comparison
The maximum URINX drawdown since its inception was -15.27%, smaller than the maximum TCLEX drawdown of -35.33%. Use the drawdown chart below to compare losses from any high point for URINX and TCLEX.
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Drawdown Indicators
| URINX | TCLEX | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -15.27% | -35.33% | +20.06% |
Max Drawdown (1Y)Largest decline over 1 year | -4.41% | -4.49% | +0.08% |
Max Drawdown (5Y)Largest decline over 5 years | -15.27% | -17.31% | +2.04% |
Max Drawdown (10Y)Largest decline over 10 years | -15.27% | -17.31% | +2.04% |
Current DrawdownCurrent decline from peak | -2.81% | -3.20% | +0.39% |
Average DrawdownAverage peak-to-trough decline | -1.93% | -4.02% | +2.09% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.02% | 1.11% | -0.09% |
Volatility
URINX vs. TCLEX - Volatility Comparison
USAA Target Retirement Income Fund (URINX) and TIAA-CREF Lifecycle 2010 Fund (TCLEX) have volatilities of 2.61% and 2.54%, 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.
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Volatility by Period
| URINX | TCLEX | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 2.61% | 2.54% | +0.07% |
Volatility (6M)Calculated over the trailing 6-month period | 3.83% | 3.82% | +0.01% |
Volatility (1Y)Calculated over the trailing 1-year period | 6.07% | 6.14% | -0.07% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.23% | 6.88% | -0.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.79% | 6.99% | -1.20% |