MSTBX

ActiveMin. $1M

Morningstar Defensive Bond Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.52%

Annual Cost per $10K

$52.00

30-Year Fee Drag per $10K

$10,351

at 7% annual return

Fund Type

Mutual Fund

Active · Min: $1M

Trailing 12-Month

+6.00%

Asset Allocation

US Equity

55%

US Bond

38%

Intl Bond

Cash

Fee Comparison

MSTBX

0.52%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

39% cheaper than category average

Historical Returns

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

+19.25%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

MSTBX at 0.52%$328,860

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$51,753

Cost vs index fund−$48,564

Similar Funds (100)

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

Ticker	Name	ER	1yr	3yr	5yr
MSTBX	Morningstar Defensive Bond Fund	0.52%	+6.00%	+6.04%	+2.76%
ABALX	American Balanced Fund	0.58%	+14.48%	+17.33%	+10.37%
CAIBX	Capital Income Builder	0.58%	+15.51%	+14.04%	+11.04%
VBIAX	VANGUARD BALANCED INDEX FUND	0.07%	+11.99%	+16.38%	+9.22%
TRAIX	T. Rowe Price Capital Appreciation Fund	0.58%	+10.50%	+16.19%	+11.63%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
ITCSX	VY(R) T. ROWE PRICE CAPITAL APPRECIATION PORTFOLIO	0.65%	+10.16%	+15.83%	+11.18%
FFCTX	American Funds College 2027 Fund	0.33%	+8.18%	+8.10%	+4.57%
FTAOX	American Funds College Enrollment Fund	0.35%	+7.14%	+6.43%	+2.04%
CPPAX	American Funds Preservation Portfolio	0.87%	+5.50%	+4.76%	+1.24%
OAZBX	Oakmark Equity and Income Fund	0.56%	+7.65%	+14.06%	—
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
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%
FTFCX	American Funds College 2030 Fund	0.35%	+10.25%	+10.58%	+6.69%
AABTX	American Funds 2015 Target Date Retirement Fund	0.61%	+11.19%	+10.71%	+6.94%
IBARX	Macquarie Balanced Fund	0.65%	+11.23%	+16.63%	+4.95%
JBAWX	Balanced Fund	0.62%	+17.64%	+16.24%	+10.38%
JABLX	Janus Henderson Balanced Portfolio$1M min	0.87%	+13.29%	+16.75%	+9.62%
AAATX	American Funds 2010 Target Date Retirement Fund	0.59%	+10.80%	+10.21%	+6.55%
FPUKX	Fidelity Puritan Fund	0.47%	+10.50%	+14.48%	+9.65%
FBAKX	Fidelity Balanced Fund	0.46%	+11.35%	+14.26%	+10.21%
IBLLX	Transamerica Multi-Managed Balanced	0.64%	+12.57%	+14.48%	+9.35%
WFAIX	Allspring Index Asset Allocation Fund	0.90%	+9.29%	+15.35%	+8.95%
VMAIX	Venerable Moderate Allocation Fund	0.89%	—	—	—
CBARX	Calvert Balanced Fund	0.61%	+10.47%	+16.78%	+9.82%
PGEBX	George Putnam Balanced Fund	0.91%	+21.05%	+3.59%	+8.82%
IASTX	Macquarie Asset Strategy Fund	0.72%	+13.01%	+18.83%	+5.79%
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
DOXBX	Dodge & Cox Balanced Fund	0.43%	+9.74%	+15.05%	—
QBA2Q	VIP Balanced Portfolio	0.50%	+12.25%	+18.04%	+10.95%
HADAX	HARTFORD BALANCED HLS FUND	0.66%	+7.24%	+13.79%	+9.50%
FIQWX	Fidelity Strategic Dividend and Income Fund	0.56%	+7.94%	+10.11%	+9.25%
IRMGX	Voya Retirement Moderately Aggressive Portfolio	0.59%	+11.07%	+15.38%	+8.85%
TASHX	Transamerica Multi-Asset Income	0.99%	+15.04%	+12.85%	+10.85%
MAPOX	Mairs & Power Balanced Fund	0.71%	+5.10%	+11.99%	—
VTMFX	VANGUARD TAX-MANAGED BALANCED FUND	0.09%	+9.79%	+14.20%	+8.42%
AWIVX	CIBC ATLAS INCOME OPPORTUNITIES FUND	1.08%	—	—	—
ESIFX	Eaton Vance Balanced Fund	0.68%	+10.18%	+16.87%	+9.69%
FAFWX	American Funds Retirement Income Portfolio - Conservative	1.27%	+10.58%	+9.52%	+5.76%
SBACX	Touchstone Strategic Trust-Touchstone Balanced Fund	0.99%	+10.47%	+15.65%	+8.28%
IUAAX	VY(R) INVESCO EQUITY AND INCOME PORTFOLIO	1.14%	+8.47%	+12.87%	+10.91%
JAFRX	Capital Appreciation Value Trust	0.88%	+10.07%	+15.72%	+11.20%
MSFKX	MFS Total Return Fund	0.40%	+6.74%	+12.13%	+8.11%
FOCIX	The Fairholme Focused Income Fund	1.01%	+13.71%	+12.32%	+10.96%
VWIAX	VANGUARD WELLESLEY INCOME FUND	0.16%	+6.15%	+9.67%	+5.22%
HBLFX	THE HARTFORD BALANCED INCOME FUND	0.56%	+7.51%	+9.23%	+6.46%
VCAAX	Asset Allocation Fund	0.65%	+9.64%	+12.55%	+9.62%
NCBGX	New Covenant Balanced Growth Fund	0.93%	+10.75%	+15.49%	+8.94%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+8.77%	+14.58%	+7.82%
FTCFX	American Funds College 2033 Fund	0.39%	+12.98%	+13.82%	+8.49%
HCKFX	THE HARTFORD CHECKS AND BALANCES FUND	0.58%	+10.87%	+12.69%	+9.31%
TBLTX	Transamerica Balanced II	0.62%	+14.18%	+15.82%	+10.60%
SWBGX	Schwab MarketTrack Balanced Portfolio	0.48%	+13.96%	+13.44%	+9.03%
COTDX	Columbia Thermostat Fund	0.61%	+12.25%	—	—
FOBAX	TRIBUTARY BALANCED FUND$1M min	0.74%	+8.85%	+15.43%	+9.20%
SSIAX	1919 Socially Responsive Balanced Fund	0.95%	+8.17%	—	—
SWOBX	Schwab Balanced Fund	0.51%	+14.26%	+15.03%	+8.85%
TSAMX	Thornburg Summit Fund	0.96%	+13.70%	+15.92%	—
CFIAX	Columbia Flexible Capital Income Fund	0.83%	+10.40%	+8.81%	+8.95%
VLAAX	VALUE LINE ASSET ALLOCATION FUND INC	1.06%	-1.38%	+12.65%	+6.18%
FBKFX	Fidelity Balanced K6 Fund	0.32%	+11.36%	+14.42%	+10.40%
FPKFX	Fidelity Puritan K6 Fund	0.33%	+10.06%	+14.35%	+9.57%
CBFAX	American Funds Global Balanced Fund	0.80%	+13.87%	+13.82%	+7.93%
CIPAX	American Funds Conservative Growth and Income Portfolio	0.88%	+11.79%	+11.52%	+8.53%
mblax	Madison Diversified Income Fund	1.16%	-48.43%	-48.17%	-48.09%
HCVFX	THE HARTFORD CONSERVATIVE ALLOCATION FUND	0.64%	+11.45%	+10.84%	+5.38%
FISR	SPDR SSGA Fixed Income Sector Rotation ETF	0.50%	+2.16%	+4.31%	-1.14%
VRRIX	VOYA TARGET RETIREMENT 2030 FUND	0.38%	+9.22%	+10.86%	+7.82%
GAFNX	Virtus AlphaSimplex Global Alternatives Fund	1.24%	+5.16%	—	—
SSCKX	State Street Target Retirement 2035 Fund	0.09%	+12.34%	+17.10%	+9.03%
STFBX	State Farm Balanced Fund	0.14%	+10.88%	+16.23%	—
SFBPX	Empower SecureFoundation Balanced ETF Fund	0.28%	+9.83%	+13.52%	+4.19%
THPBX	BNY Mellon Balanced Opportunity Fund	0.90%	+10.47%	+12.63%	+8.38%
POCAX	Aristotle Portfolio Optimization Moderate Fund	1.12%	+10.44%	—	—
FMUAX	Federated Hermes Muni and Stock Advantage Fund	0.99%	+9.33%	+9.97%	+6.69%
DGIBX	DGI BALANCED FUND	1.45%	+8.35%	+10.95%	—
OSTVX	Osterweis Growth & Income Fund	0.91%	+7.74%	+12.98%	+8.82%
SSFOX	State Street Target Retirement Fund	0.09%	+7.51%	+10.74%	+5.54%
VALIX	VALUE LINE CAPITAL APPRECIATION FUND INC	1.08%	+26.56%	+25.55%	+10.67%
FBFRX	Franklin Managed Income Fund	0.59%	+5.98%	+8.38%	+7.62%
DTLVX	Large Company Value Portfolio	1.30%	+10.35%	+18.21%	+14.48%
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
UGTAX	Victory Growth and Tax Strategy Fund	0.54%	+6.27%	+10.19%	+6.63%
WMBLX	WesMark Balanced Fund	1.30%	+5.58%	+10.28%	+7.64%
AZNAX	Virtus Income & Growth Fund	1.14%	-6.20%	-31.20%	-33.87%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
FNCFX	Franklin Income Fund	0.41%	+7.15%	+11.41%	+9.96%
AAFTX	American Funds 2035 Target Date Retirement Fund	0.67%	+15.82%	+15.87%	+10.58%
CVSCX	Calamos Market Neutral Income Fund	1.97%	+6.47%	+7.07%	+4.09%
VTTVX	VANGUARD TARGET RETIREMENT 2025 FUND	0.08%	+10.53%	+14.31%	+7.39%
SSBSX	State Street Target Retirement 2025 Fund	0.09%	+9.09%	+13.46%	+7.22%
TLHIX	Nuveen Lifecycle Index 2030 Fund	0.25%	+9.89%	+11.56%	+7.37%
ISGAX	VOYA SOLUTION BALANCED PORTFOLIO	1.15%	+10.08%	+14.58%	+8.44%
GLRBX	JAMES BALANCED: GOLDEN RAINBOW FUND	1.23%	+9.32%	+13.83%	+7.56%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+11.70%	+15.93%	+8.50%
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+11.22%	+16.94%	+9.15%
ABUAX	Columbia Capital Allocation Moderate Portfolio	0.93%	+15.54%	+14.13%	+7.79%
LCGSX	Franklin Multi-Asset Conservative Growth Fund	0.70%	—	—	—

Analyze Your Full Portfolio

See your blended expense ratio, aggregate asset allocation, and total fee drag across all your holdings.

Get Started Free