HCIMX

Active

The Intermediate Term Municipal Bond Portfolio

Category: US Bond (5,386 funds)

Expense Ratio

0.48%

Annual Cost per $10K

$48.00

30-Year Fee Drag per $10K

$9,605

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+4.44%

Asset Allocation

US Equity

US Bond

85%

Cash

Other

12%

Fee Comparison

HCIMX

0.48%

US Bond average

0.76%

US Bond cheapest

ABIMX

0.00%

Index benchmark

0.03%

37% cheaper than category average

Historical Returns

Monthly total returns (dividends reinvested) from SEC N-PORT filings · As of December 2025 · Updated quarterly

+14.09%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

HCIMX at 0.48%$332,587

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$48,026

Cost vs index fund−$44,838

Similar Funds (100)

Ranked by allocation similarity weighted by fund size · Returns (dividends reinvested) from SEC N-PORT filings · As of December 2025

Ticker	Name	ER	1yr	3yr	5yr
HCIMX	The Intermediate Term Municipal Bond Portfolio	0.48%	+4.44%	+4.49%	+1.24%
VTBIX	VANGUARD TOTAL BOND MARKET II INDEX FUND	0.09%	+5.18%	+5.23%	-0.45%
BND	VANGUARD TOTAL BOND MARKET INDEX FUND	0.03%	+5.17%	+5.30%	-0.40%
AGG	iShares Core U.S. Aggregate Bond ETF	0.03%	+3.13%	+3.01%	-0.68%
DOXIX	Dodge & Cox Income Fund	0.33%	+6.08%	+6.94%	—
FUBFX	Fidelity U.S. Bond Index Fund	0.03%	—	—	—
ABNDX	Bond Fund of America	1.04%	+5.29%	+4.96%	-0.25%
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	0.03%	+5.41%	+5.03%	+1.42%
VWIUX	VANGUARD INTERMEDIATE-TERM TAX-EXEMPT FUND	0.09%	+4.92%	+5.52%	+1.59%
BBCPX	Bridge Builder Core Plus Bond Fund	0.16%	+6.72%	+6.55%	+0.85%
JBFRX	Bond Fund	0.46%	+3.37%	+3.61%	-0.09%
TLT	iShares 20+ Year Treasury Bond ETF	0.15%	-6.49%	-4.72%	-9.33%
FSIGX	Fidelity Series Investment Grade Bond Fund	0.00%	+3.72%	+3.94%	+0.37%
BIV	VANGUARD INTERMEDIATE-TERM BOND INDEX FUND	0.03%	+6.33%	+5.84%	-0.20%
TBIIX	Nuveen Bond Index Fund	0.32%	+4.99%	+5.23%	-0.51%
BAGSX	Baird Aggregate Bond Fund	0.55%	+5.24%	+5.74%	-0.32%
VIITX	VANGUARD INSTITUTIONAL INTERMEDIATE-TERM BOND FUND$100M min	0.02%	+6.11%	+5.62%	+1.05%
MBB	iShares MBS ETF	0.04%	+3.34%	+2.81%	-0.45%
DDTRX	DoubleLine Total Return Bond Fund	0.43%	+6.48%	+5.82%	+0.49%
AIBAX	Intermediate Bond Fund of America	0.65%	+4.50%	+3.52%	+0.82%
JCBPX	JPMorgan Core Bond Fund	1.33%	+3.25%	+3.03%	-0.39%
FIFZX	Fidelity Series Bond Index Fund	0.00%	+3.08%	+3.01%	-0.71%
AMUSX	U.S. Government Securities Fund	0.65%	+3.55%	+1.78%	-0.67%
MWTNX	TCW METWEST TOTAL RETURN BOND FUND	0.57%	+5.36%	+5.27%	-0.83%
FFRAX	Fidelity Advisor Floating Rate High Income Fund	0.73%	-5.49%	-16.23%	-20.26%
FBKWX	Fidelity Total Bond Fund	0.75%	+3.99%	+4.27%	+0.57%
MUB	iShares National Muni Bond ETF	0.05%	-0.16%	+2.41%	+0.34%
BBTBX	Bridge Builder Core Bond Fund	0.12%	+5.74%	+6.07%	+0.23%
IUSB	iShares Core Universal USD Bond ETF	0.06%	+6.50%	+6.20%	+0.26%
IEF	iShares 7-10 Year Treasury Bond ETF	0.15%	+2.80%	+1.63%	-2.35%
TRVZX	T. Rowe Price New Income Fund, Inc.	0.32%	+3.45%	+2.95%	-0.33%
GIBRX	Guggenheim Total Return Bond Fund	0.49%	+6.52%	+7.11%	+0.66%
VMLUX	VANGUARD LIMITED-TERM TAX-EXEMPT FUND	0.09%	+4.45%	+4.48%	+1.86%
VWALX	VANGUARD HIGH-YIELD TAX-EXEMPT FUND	0.09%	+3.94%	+7.08%	+1.93%
FBND	Fidelity Total Bond ETF	0.36%	+3.85%	+4.04%	+0.36%
STRDX	Sterling Capital Total Return Bond Fund	0.35%	+5.43%	+5.82%	+0.08%
FLIBX	American Funds Inflation Linked Bond Fund	0.36%	+5.34%	+1.51%	+0.86%
VWESX	VANGUARD LONG-TERM INVESTMENT-GRADE FUND	0.21%	+5.20%	+7.18%	-2.69%
VWLUX	VANGUARD LONG-TERM TAX-EXEMPT FUND	0.09%	+3.97%	+6.33%	+1.37%
SCOAX	SIIT CORE FIXED INCOME FUND	0.37%	+3.26%	+3.37%	-0.51%
VFIIX	VANGUARD GNMA FUND	0.21%	+6.79%	+5.46%	+0.17%
FBNDX	Fidelity Investment Grade Bond Fund	0.75%	+3.44%	+3.44%	-0.20%
AFFMX	American Funds Mortgage Fund	0.68%	+4.14%	+2.79%	+0.23%
JCPPX	JPMorgan Core Plus Bond Fund	1.14%	+3.47%	+3.44%	-0.03%
SPAB	SPDR Portfolio Aggregate Bond ETF	0.03%	+5.24%	+5.27%	-0.43%
QCBMFX	College Retirement Equities Fund - Core Bond Account	—	+5.65%	+6.14%	—
FSMTX	Fidelity SAI Total Bond Fund	0.29%	+4.17%	+4.37%	+0.79%
TBBWX	Nuveen Core Bond Fund	0.29%	+5.55%	+6.37%	+0.53%
DDCFX	DoubleLine Core Fixed Income Fund	0.50%	+5.99%	+6.30%	+0.72%
VCLT	VANGUARD LONG-TERM CORPORATE BOND INDEX FUND	0.06%	+0.56%	+2.96%	-2.60%
BKLN	Invesco Senior Loan ETF	0.65%	+7.19%	+8.20%	+5.50%
SRLN	SPDR Blackstone Senior Loan ETF	0.70%	+7.34%	+8.84%	+5.70%
VMBS	VANGUARD MORTGAGE-BACKED SECURITIES INDEX FUND	0.06%	+3.74%	+3.02%	-0.33%
ACBPX	Diversified Bond Fund	0.01%	+5.45%	+5.35%	-0.20%
UINCX	Victory Income Fund	0.84%	+5.93%	+6.54%	+0.81%
BBMUX	Bridge Builder Municipal Bond Fund	0.12%	+4.11%	+5.46%	+1.60%
CCBFX	Capital Group Central Corporate Bond Fund	—	+3.73%	+4.53%	—
SCHZ	Schwab U.S. Aggregate Bond ETF	0.03%	+5.19%	+5.24%	-0.47%
FHYRX	Franklin High Yield Tax-Free Income Fund	0.50%	-0.33%	+3.00%	+1.11%
JAGBX	Select Bond Trust	0.60%	+5.68%	+5.87%	-0.15%
MMHEX	NYLI MacKay High Yield Muni Bond Fund	0.55%	+3.03%	+8.03%	+2.43%
FFTSX	Short-Term Bond Fund of America	0.35%	+5.04%	+4.14%	+1.76%
JGCGX	JPMorgan Income Fund	0.39%	+6.58%	+5.52%	+2.95%
BLV	VANGUARD LONG-TERM BOND INDEX FUND	0.03%	+1.90%	+4.74%	-4.49%
THRLX	Thornburg Limited Term Income Fund	0.42%	+6.02%	+6.47%	+1.99%
FUTBX	Fidelity SAI U.S. Treasury Bond Index Fund	0.03%	+2.42%	+2.09%	-1.47%
MBFAX	Allspring Core Bond Fund	0.65%	+6.07%	+5.62%	+2.12%
FIQZX	Fidelity Intermediate Municipal Income Fund	0.31%	+4.25%	+4.88%	+1.45%
PARRX	PIMCO Real Return Fund	0.75%	+6.06%	+4.64%	+1.53%
DDLDX	DoubleLine Low Duration Bond Fund	0.70%	+5.59%	+6.23%	+3.15%
STIP	iShares 0-5 Year TIPS Bond ETF	0.03%	+6.10%	+5.09%	+3.81%
PLFLX	Aristotle Floating Rate Income Fund	1.05%	+6.56%	—	—
SWAGX	Schwab U.S. Aggregate Bond Index Fund	0.04%	+3.16%	+2.96%	-0.76%
JHYUX	JPMorgan High Yield Fund	0.50%	+8.26%	+8.74%	+5.45%
FTKFX	Fidelity Total Bond K6 Fund	0.30%	+3.85%	+4.06%	+0.54%
SUB	iShares Short-Term National Muni Bond ETF	0.07%	+3.21%	+2.88%	+1.28%
JAFLX	Janus Henderson Flexible Bond Portfolio$1M min	0.82%	+5.60%	+5.10%	-0.20%
MTBDX	NYLI MacKay Tax Free Bond Fund	0.43%	+4.11%	+5.85%	+1.29%
SPMB	SPDR(R) Portfolio Mortgage Backed Bond ETF	0.04%	+6.46%	+5.57%	-0.24%
TRKZX	T. Rowe Price High Yield Fund, Inc.	0.60%	+8.32%	+9.55%	+5.47%
DDCPX	Doubleline Shiller Enhanced CAPE	0.49%	+10.92%	+15.63%	+12.01%
UIITX	Victory Core Plus Intermediate Bond Fund	0.41%	+6.60%	+6.79%	+1.37%
TRAZX	T. Rowe Price Institutional Floating Rate Fund$1M min	0.02%	+7.98%	+9.42%	+7.21%
TOTL	SPDR DoubleLine Total Return Tactical ETF	0.55%	+5.91%	+6.13%	+0.51%
MXBIX	Empower Bond Index Fund	0.50%	+4.67%	+4.26%	-1.27%
QCILFX	College Retirement Equities Fund - Inflation-Linked Bond Account	—	+6.04%	+5.09%	—
EAGG	iShares ESG Aware U.S. Aggregate Bond ETF	0.10%	+3.05%	+2.92%	-0.79%
FGNSX	Strategic Advisers Tax-Sensitive Short Duration Fund	0.09%	+3.45%	+3.52%	+2.02%
TRIZX	T. Rowe Price Floating Rate Fund	0.02%	+7.94%	+9.42%	+7.25%
MFIAX	MFS Municipal Income Fund	0.44%	+2.04%	+5.56%	+1.20%
JCPB	JPMorgan Core Plus Bond ETF	0.38%	+4.04%	+4.29%	+0.51%
BOND	PIMCO Active Bond Exchange-Traded Fund	0.54%	+6.39%	+6.50%	+0.19%
ITBFX	THE HARTFORD TOTAL RETURN BOND FUND	0.32%	+6.58%	+6.85%	+0.41%
PYMAX	PIMCO High Yield Municipal Bond Fund	0.86%	+1.56%	+6.57%	+1.89%
PBIQX	Bond Market Index Fund	0.40%	+2.63%	+2.59%	-1.07%
FIXD	First Trust Smith Opportunistic Fixed Income ETF	0.65%	+2.83%	+2.67%	-1.00%
DFCF	Dimensional Core Fixed Income ETF	0.17%	+6.89%	+6.62%	—
LCROX	Lord Abbett Core Fixed Income Fund	0.30%	+3.62%	+3.40%	-0.19%
VFIRX	VANGUARD SHORT-TERM TREASURY FUND	0.10%	+5.11%	+4.29%	+1.33%
NTBIX	Navigator Tactical Fixed Income Fund$1M min	1.07%	+1.66%	+6.34%	+3.26%
FAJEX	Frost Total Return Bond Fund	0.46%	-22.51%	-20.95%	-23.31%

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