MSFRX

Active

MFS Total Return Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.72%

Annual Cost per $10K

$72.00

30-Year Fee Drag per $10K

$13,957

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+8.69%

Asset Allocation

US Equity

45%

Intl Equity

14%

US Bond

32%

Intl Bond

Cash

Fee Comparison

MSFRX

0.72%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

15% cheaper than category average

Historical Returns

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

+34.16%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

MSFRX at 0.72%$310,825

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$69,787

Cost vs index fund−$66,599

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
MSFRX	MFS Total Return Fund	0.72%	+8.69%	+10.29%	+8.23%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+12.62%	+13.37%	+8.38%
MSFKX	MFS Total Return Fund	0.40%	+8.99%	+10.63%	+8.56%
ABALX	American Balanced Fund	0.58%	+16.02%	+15.46%	+10.83%
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+14.80%	+14.74%	+8.95%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+16.09%	+15.94%	+10.07%
ABUAX	Columbia Capital Allocation Moderate Portfolio	0.93%	+15.54%	+14.13%	+7.79%
VTTVX	VANGUARD TARGET RETIREMENT 2025 FUND	0.08%	+13.31%	+13.31%	+7.78%
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
CAIBX	Capital Income Builder	0.58%	+15.51%	+14.04%	+11.04%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+12.05%	+11.50%	+7.31%
AAATX	American Funds 2010 Target Date Retirement Fund	0.59%	+10.80%	+10.21%	+6.55%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
JBAWX	Balanced Fund	0.62%	+17.64%	+16.24%	+10.38%
TLHIX	Nuveen Lifecycle Index 2030 Fund	0.25%	+9.89%	+11.56%	+7.37%
SWDRX	Schwab Target 2030 Fund	0.40%	+14.41%	+14.62%	+8.82%
HBLFX	THE HARTFORD BALANCED INCOME FUND	0.56%	+7.51%	+9.23%	+6.46%
FAUYX	Fidelity Freedom Index 2030 Fund	0.05%	+14.06%	—	—
IDXFX	VOYA INDEX SOLUTION 2030 PORTFOLIO	0.47%	+13.45%	+13.47%	+8.35%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+15.63%	—	—
PLTJX	Principal LifeTime 2030 Fund	0.79%	+12.03%	+12.82%	+8.12%
AABTX	American Funds 2015 Target Date Retirement Fund	0.61%	+11.19%	+10.71%	+6.94%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+14.42%	+15.72%	+9.60%
LCGSX	Franklin Multi-Asset Conservative Growth Fund	0.70%	—	—	—
PACBX	Putnam Dynamic Asset Allocation Conservative Fund	0.63%	+19.25%	+1.44%	+3.55%
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
LTAOX	Principal LifeTime 2035 Fund	0.56%	+12.56%	+13.48%	+8.64%
OAZBX	Oakmark Equity and Income Fund	0.56%	+11.29%	+12.65%	—
FFFEX	Fidelity Freedom 2030 Fund	0.61%	+15.35%	+14.88%	+8.92%
FIWBX	Fidelity Advisor Multi-Asset Income Fund	0.80%	+14.10%	+12.50%	+9.96%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+17.33%	+17.14%	+11.19%
MTODX	NYLI Income Builder Fund	0.68%	+13.80%	+13.82%	+8.42%
PHJJX	Principal LifeTime Hybrid 2035 Fund	0.47%	+14.88%	+14.75%	+9.86%
VBIAX	VANGUARD BALANCED INDEX FUND	0.07%	+13.44%	+14.72%	+9.51%
TCLFX	Nuveen Lifecycle 2025 Fund	0.47%	+7.50%	+9.47%	+5.87%
SWOBX	Schwab Balanced Fund	0.51%	+14.26%	+15.03%	+8.85%
TRAIX	T. Rowe Price Capital Appreciation Fund	0.58%	+11.52%	+14.47%	+11.39%
FDTKX	Fidelity Freedom 2025 Fund	0.59%	+14.38%	+14.00%	+8.03%
FPFRX	FPA Crescent Fund	1.06%	+17.01%	—	—
SWYEX	Schwab Target 2030 Index Fund	0.08%	+13.20%	+14.23%	+8.99%
TIMIX	Nuveen Managed Allocation Fund	0.46%	+8.45%	+13.24%	+9.24%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
SSBYX	State Street Target Retirement 2030 Fund	0.09%	+14.51%	+14.55%	+8.75%
DOXBX	Dodge & Cox Balanced Fund	0.43%	+12.15%	+13.26%	—
SSBSX	State Street Target Retirement 2025 Fund	0.09%	+11.78%	+12.36%	+7.62%
POCAX	Aristotle Portfolio Optimization Moderate Fund	1.12%	+11.75%	—	—
FBAKX	Fidelity Balanced Fund	0.46%	+11.35%	+14.26%	+10.21%
FTFCX	American Funds College 2030 Fund	0.35%	+10.25%	+10.58%	+6.69%
TAAMX	Transamerica Asset Allocation - Moderate Portfolio	0.95%	+14.62%	+13.19%	—
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
FATZX	Fidelity Freedom Index 2025 Fund	0.05%	+13.00%	—	—
TSIMX	Nuveen Lifestyle Moderate Fund	0.87%	+8.40%	+11.48%	+6.69%
PHJNX	Principal LifeTime Hybrid 2030 Fund	0.31%	+13.62%	+13.48%	+8.71%
FPUKX	Fidelity Puritan Fund	0.47%	+10.50%	+14.48%	+9.65%
ISEAX	VOYA INDEX SOLUTION 2035 PORTFOLIO	0.62%	+15.08%	+15.24%	+9.63%
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
NRIFX	Nuveen Real Asset Income Fund	0.81%	+7.83%	+9.85%	+6.78%
EAAFX	Allspring Asset Allocation Fund	0.75%	+14.98%	+14.21%	+7.56%
CBFAX	American Funds Global Balanced Fund	0.80%	+13.87%	+13.82%	+7.93%
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
ITCSX	VY(R) T. ROWE PRICE CAPITAL APPRECIATION PORTFOLIO	0.65%	+10.98%	+14.06%	+11.01%
CAMRX	Calvert Moderate Allocation Fund	0.67%	+11.26%	+12.57%	—
SWBGX	Schwab MarketTrack Balanced Portfolio	0.48%	+13.96%	+13.44%	+9.03%
HADAX	HARTFORD BALANCED HLS FUND	0.66%	+9.56%	+12.36%	+10.03%
VWIAX	VANGUARD WELLESLEY INCOME FUND	0.16%	+8.11%	+8.65%	+5.49%
IRMGX	Voya Retirement Moderately Aggressive Portfolio	0.59%	+13.16%	+13.89%	+8.90%
SWYFX	Schwab Target 2035 Index Fund	0.08%	+14.76%	+15.70%	+10.25%
IPARX	VOYA GLOBAL PERSPECTIVES(R) PORTFOLIO	1.08%	+12.17%	+11.10%	+4.44%
SSFOX	State Street Target Retirement Fund	0.09%	+9.84%	+10.00%	+5.77%
MIBLX	BNY Mellon Asset Allocation Fund	0.87%	+11.12%	+11.68%	+8.40%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
FATKX	Fidelity Freedom 2020 Fund	0.28%	+12.90%	+12.70%	+7.02%
PRPDX	Permanent Portfolio	1.06%	+21.67%	+19.48%	+13.49%
THPBX	BNY Mellon Balanced Opportunity Fund	0.90%	+10.47%	+12.63%	+8.38%
QBA2Q	VIP Balanced Portfolio	0.50%	+13.80%	+16.29%	+11.31%
VMAIX	Venerable Moderate Allocation Fund	0.89%	—	—	—
TLQIX	Nuveen Lifecycle Index 2025 Fund	0.10%	+8.99%	+10.42%	+6.46%
FFBPX	Fidelity Freedom Blend 2030 Fund	0.36%	+15.03%	+14.75%	—
WCERX	Virtus Westchester Event-Driven Fund	1.85%	-2.95%	-35.53%	-32.44%
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+18.60%	+18.32%	+12.30%
AADBX	American Beacon Balanced Fund	0.85%	+8.57%	+11.56%	+11.03%
TAAFX	Transamerica Asset Allocation Intermediate Horizon	0.95%	+13.02%	+12.09%	+7.14%
CBARX	Calvert Balanced Fund	0.61%	+10.74%	+15.25%	+10.02%
PGEBX	George Putnam Balanced Fund	0.91%	+21.05%	+3.59%	+8.82%
DBALX	DAVENPORT BALANCED INCOME FUND	0.93%	+7.38%	+8.28%	+7.38%
IBLLX	Transamerica Multi-Managed Balanced	0.64%	+12.57%	+14.48%	+9.35%
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+14.50%	+17.97%	+8.43%
MNBWX	Pro-Blend Extended Term Series	0.10%	+8.63%	+11.55%	+6.94%
ISNFX	VOYA SOLUTION 2030 PORTFOLIO	0.73%	+12.66%	+13.40%	+8.12%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+18.15%	—	—
FFCTX	American Funds College 2027 Fund	0.33%	+8.18%	+8.10%	+4.57%
NLGAX	Columbia Capital Allocation Moderate Conservative Portfolio	0.91%	+12.42%	+11.48%	+5.69%
TAIAX	American Funds Tax-Aware Conservative Growth and Income Portfolio	0.66%	+11.96%	+12.92%	+8.66%
VTWNX	VANGUARD TARGET RETIREMENT 2020 FUND	0.08%	+10.94%	+11.19%	+6.33%

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