MAMFX

Active

MFS Moderate Allocation Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.56%

Annual Cost per $10K

$56.00

30-Year Fee Drag per $10K

$11,088

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+7.64%

Asset Allocation

US Equity

55%

Intl Equity

18%

US Bond

15%

Intl Bond

10%

Cash

Fee Comparison

MAMFX

0.56%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

34% cheaper than category average

Historical Returns

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

+29.11%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

MAMFX at 0.56%$325,174

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$55,439

Cost vs index fund−$52,250

Similar Funds (100)

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

Ticker	Name	ER	1yr	3yr	5yr
MAMFX	MFS Moderate Allocation Fund	0.56%	+7.64%	+8.89%	+5.49%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+12.93%	+14.17%	+9.46%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+11.98%	+13.09%	+8.51%
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+13.86%	+15.23%	+10.40%
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+10.82%	+11.68%	+7.59%
MACBX	MFS Conservative Allocation Fund	0.83%	+5.79%	+6.88%	+3.65%
TCLOX	Nuveen Lifecycle 2040 Fund	0.50%	+9.79%	+13.36%	+8.78%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+13.50%	+14.55%	+9.57%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+11.03%	+12.02%	+7.56%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+9.63%	+10.15%	+6.54%
VFIFX	VANGUARD TARGET RETIREMENT 2050 FUND	0.08%	+14.81%	+16.04%	+10.89%
MAGEX	MFS Growth Allocation Fund	1.19%	+9.74%	+11.71%	+8.24%
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+10.28%	+17.73%	+9.26%
LGMNX	Loomis Sayles Global Allocation Fund	0.82%	+7.99%	+14.05%	+6.83%
PAEBX	Putnam Dynamic Asset Allocation Growth Fund	0.68%	+32.47%	+6.87%	+10.02%
TLMPX	Nuveen Lifecycle Index 2045 Fund	0.35%	+12.74%	+15.20%	+10.35%
PTDAX	Principal LifeTime 2040 Fund	0.76%	+10.42%	+12.85%	+8.55%
TAALX	Transamerica Asset Allocation - Moderate Growth Portfolio	1.00%	+12.74%	+13.66%	—
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+13.16%	—	—
VFFVX	VANGUARD TARGET RETIREMENT 2055 FUND	0.08%	+14.81%	+16.02%	+10.88%
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+10.29%	+13.13%	+8.19%
MLTAX	MFS Lifetime 2030 Fund	0.48%	+7.47%	+8.89%	+6.35%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	—	—	—
QCSTFX	College Retirement Equities Fund - Stock Account	—	+13.93%	+18.11%	—
AAFTX	American Funds 2035 Target Date Retirement Fund	0.67%	+12.21%	+13.49%	+8.96%
PCGJX	SAM Conservative Growth Portfolio	0.94%	+11.36%	+14.08%	+9.81%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+9.51%	+9.52%	+6.25%
VTTSX	VANGUARD TARGET RETIREMENT 2060 FUND	0.08%	+14.78%	+16.03%	+10.88%
TLLIX	Nuveen Lifecycle Index 2050 Fund	0.18%	+13.36%	+15.81%	+10.82%
LFEAX	MFS Lifetime 2035 Fund	1.52%	+9.60%	+11.27%	+8.63%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+10.96%	+11.72%	+7.07%
SWIRX	Schwab Target 2035 Fund	0.45%	+10.87%	+13.17%	+8.30%
FSBLX	Federated Hermes Global Allocation Fund	0.84%	+10.47%	+10.51%	+6.18%
CIPAX	American Funds Conservative Growth and Income Portfolio	0.88%	+9.92%	+10.09%	+7.50%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+8.60%	+11.15%	+7.07%
FNNEX	New Economy Fund	0.47%	+19.36%	+21.34%	+11.35%
TTFIX	Nuveen Lifecycle 2045 Fund	0.68%	+10.73%	+14.58%	+9.87%
SWERX	Schwab Target 2040 Fund	0.49%	+11.66%	+14.17%	+9.11%
TRAIX	T. Rowe Price Capital Appreciation Fund	0.58%	+11.26%	+13.05%	+11.06%
AXBAX	Columbia Capital Allocation Aggressive Portfolio	1.03%	+13.55%	+14.98%	+9.85%
LTRDX	Principal LifeTime 2045 Fund	0.86%	+11.36%	+13.99%	+9.45%
ISEAX	VOYA INDEX SOLUTION 2035 PORTFOLIO	0.62%	+10.75%	+12.31%	+8.93%
MLFAX	MFS Lifetime 2040 Fund	0.81%	+11.03%	+12.87%	+9.87%
TTIIX	Nuveen Lifecycle Index 2055 Fund	0.25%	+13.51%	+16.01%	+10.99%
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
GGSPX	Goldman Sachs Growth and Income Strategy Portfolio	0.55%	+10.27%	+11.87%	+7.79%
LLMSX	Franklin Multi-Asset Moderate Growth Fund	0.70%	—	—	—
FAVPX	Fidelity Freedom Index 2045 Fund	0.05%	+14.25%	—	—
VGHAX	VANGUARD HEALTH CARE FUND	0.32%	-16.45%	+4.11%	+3.81%
IDXKX	VOYA INDEX SOLUTION 2040 PORTFOLIO	0.74%	+12.10%	+13.83%	+10.38%
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
YACKX	AMG Yacktman Fund$1M min	0.62%	+5.43%	+11.46%	+11.95%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+11.23%	—	—
FAVQX	Fidelity Freedom Index 2050 Fund	0.04%	+14.19%	—	—
SWYGX	Schwab Target 2040 Index Fund	0.08%	+12.12%	+14.18%	+9.66%
PHJEX	Principal LifeTime Hybrid 2040 Fund	0.36%	+11.11%	+13.57%	+9.32%
MSFKX	MFS Total Return Fund	0.40%	+6.78%	+9.52%	+7.73%
FFFFX	Fidelity Freedom 2040 Fund	0.63%	+13.62%	+15.66%	+10.86%
FFNOX	Fidelity Multi-Asset Index Fund	0.11%	+13.40%	+14.96%	+10.03%
TGAFX	T. Rowe Price Global Allocation Fund	0.82%	+9.29%	+11.31%	+7.20%
PPIPX	T. Rowe Price Spectrum Conservative Allocation Fund	0.56%	+7.96%	+9.01%	+5.30%
TPPAX	T. Rowe Price Spectrum Moderate Allocation Fund	0.62%	+9.14%	+11.03%	+6.76%
FAVRX	Fidelity Freedom Index 2055 Fund	0.08%	+14.25%	—	—
IRGPX	Voya Retirement Aggressive Portfolio	0.60%	+11.96%	+13.71%	+10.06%
VT	VANGUARD TOTAL WORLD STOCK INDEX FUND	0.06%	+15.88%	+17.52%	+12.11%
VLXVX	VANGUARD TARGET RETIREMENT 2065 FUND	0.08%	+14.77%	+16.03%	+10.90%
PBAPX	SAM Balanced Portfolio	1.02%	+9.51%	+11.34%	+7.33%
AADAX	Invesco Select Risk: Growth Investor Fund	1.71%	+10.98%	+10.77%	+7.27%
CGLGX	American Funds Growth and Income Portfolio	0.92%	+14.41%	+15.94%	+11.66%
QCGLFX	College Retirement Equities Fund - Global Equities Account	—	+14.82%	+19.53%	—
FBFWX	American Funds Retirement Income Portfolio - Moderate	1.24%	+10.25%	+10.01%	+6.99%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
ISPCX	VOYA SOLUTION 2035 PORTFOLIO	1.24%	+10.45%	+12.42%	+8.96%
PODAX	Aristotle Portfolio Optimization Growth Fund	1.09%	+11.80%	—	—
TGIPX	T. Rowe Price Spectrum Moderate Growth Allocation Fund	0.64%	+10.57%	+13.30%	+8.45%
FCFWX	American Funds Retirement Income Portfolio - Enhanced	1.14%	+11.87%	+12.21%	+8.76%
VGWAX	VANGUARD GLOBAL WELLINGTON FUND	0.43%	+7.32%	+11.22%	+8.54%
FTCFX	American Funds College 2033 Fund	0.39%	+10.30%	+11.62%	+8.01%
SWYHX	Schwab Target 2045 Index Fund	0.08%	+12.99%	+15.01%	+10.43%
QAAGRX	T. Rowe Price Moderate Allocation Portfolio	0.86%	+8.91%	+11.02%	+6.26%
FAVUX	Fidelity Freedom Index 2060 Fund	0.08%	+14.22%	—	—
OWLSX	Old Westbury Large Cap Strategies Fund	1.09%	+14.43%	+17.21%	+10.14%
PFLJX	Principal LifeTime 2050 Fund	0.88%	+12.16%	+14.88%	+10.07%
PHJYX	Principal LifeTime Hybrid 2045 Fund	0.34%	+12.18%	+14.73%	+10.18%
PCBKX	Victory Pioneer Balanced Fund	0.63%	—	—	—
SWYFX	Schwab Target 2035 Index Fund	0.08%	+11.17%	+13.14%	+8.77%
PCGQX	PGIM Income Builder Fund	0.70%	+11.30%	+11.49%	+8.02%
ISJAX	VOYA INDEX SOLUTION 2045 PORTFOLIO	0.22%	+13.15%	+14.91%	+11.32%
EAAFX	Allspring Asset Allocation Fund	0.75%	+9.00%	+11.27%	+6.63%
DGSIX	GLOBAL ALLOCATION 60/40 PORTFOLIO$1M min	0.25%	+10.46%	+11.85%	+8.72%
AABTX	American Funds 2015 Target Date Retirement Fund	0.61%	+8.98%	+8.86%	+5.93%
TVIIX	Nuveen Lifecycle Index 2060 Fund	0.10%	+13.62%	+16.19%	+11.13%
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
IAGAX	VOYA SOLUTION MODERATELY AGGRESSIVE PORTFOLIO	0.74%	+11.59%	+13.23%	+10.19%
TCLPX	Nuveen Lifecycle 2050 Fund	0.69%	+10.95%	+14.86%	+10.00%
ACWI	iShares MSCI ACWI ETF	0.32%	+15.87%	+17.79%	+12.03%
SWHGX	Schwab MarketTrack Growth Portfolio	0.50%	+11.70%	+13.57%	+10.36%

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