MTODX

Active

NYLI Income Builder Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.68%

Annual Cost per $10K

$68.00

30-Year Fee Drag per $10K

$13,252

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+13.80%

Asset Allocation

US Equity

39%

Intl Equity

21%

US Bond

32%

Intl Bond

Cash

Other

Fee Comparison

MTODX

0.68%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

20% cheaper than category average

Historical Returns

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

+47.45%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

MTODX at 0.68%$314,354

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$66,259

Cost vs index fund−$63,070

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
MTODX	NYLI Income Builder Fund	0.68%	+13.80%	+13.82%	+8.42%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+8.77%	+14.58%	+7.82%
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+11.70%	+15.93%	+8.50%
VTTVX	VANGUARD TARGET RETIREMENT 2025 FUND	0.08%	+10.53%	+14.31%	+7.39%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
FAUYX	Fidelity Freedom Index 2030 Fund	0.05%	+10.81%	—	—
FFFEX	Fidelity Freedom 2030 Fund	0.61%	+11.37%	+15.77%	+8.45%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+12.16%	—	—
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+12.84%	+17.28%	+9.56%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
TLHIX	Nuveen Lifecycle Index 2030 Fund	0.25%	+9.89%	+11.56%	+7.37%
FDTKX	Fidelity Freedom 2025 Fund	0.59%	+10.67%	+14.80%	+7.64%
PLTJX	Principal LifeTime 2030 Fund	0.79%	+12.03%	+12.82%	+8.12%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
MSFKX	MFS Total Return Fund	0.40%	+6.74%	+12.13%	+8.11%
LTAOX	Principal LifeTime 2035 Fund	0.56%	+12.56%	+13.48%	+8.64%
TIMIX	Nuveen Managed Allocation Fund	0.46%	+8.45%	+13.24%	+9.24%
MTRAX	NYLI Income Builder Fund	1.02%	+13.41%	+13.44%	+8.04%
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
NRIFX	Nuveen Real Asset Income Fund	0.81%	+5.44%	+10.48%	+6.63%
FPFRX	FPA Crescent Fund	1.06%	+15.19%	—	—
TSIMX	Nuveen Lifestyle Moderate Fund	0.87%	+8.40%	+11.48%	+6.69%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
FIWBX	Fidelity Advisor Multi-Asset Income Fund	0.80%	+13.74%	+13.57%	+9.80%
SSBYX	State Street Target Retirement 2030 Fund	0.09%	+11.12%	+15.79%	+8.24%
FATZX	Fidelity Freedom Index 2025 Fund	0.05%	+9.85%	—	—
FFBPX	Fidelity Freedom Blend 2030 Fund	0.36%	+11.07%	+15.64%	—
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+13.88%	+18.67%	+10.62%
IDXFX	VOYA INDEX SOLUTION 2030 PORTFOLIO	0.47%	+10.35%	+14.76%	+8.28%
MIBLX	BNY Mellon Asset Allocation Fund	0.87%	+11.12%	+11.68%	+8.40%
ABALX	American Balanced Fund	0.58%	+14.48%	+17.33%	+10.37%
TCLFX	Nuveen Lifecycle 2025 Fund	0.47%	+7.50%	+9.47%	+5.87%
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
ABUAX	Columbia Capital Allocation Moderate Portfolio	0.93%	+15.54%	+14.13%	+7.79%
FATKX	Fidelity Freedom 2020 Fund	0.28%	+9.58%	+13.40%	+6.69%
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+11.22%	+16.94%	+9.15%
PHJJX	Principal LifeTime Hybrid 2035 Fund	0.47%	+14.88%	+14.75%	+9.86%
FAFEX	Fidelity Advisor Freedom 2030 Fund	0.36%	-17.75%	-35.04%	-42.42%
SWDRX	Schwab Target 2030 Fund	0.40%	+14.41%	+14.62%	+8.82%
PHJNX	Principal LifeTime Hybrid 2030 Fund	0.31%	+13.62%	+13.48%	+8.71%
SWYEX	Schwab Target 2030 Index Fund	0.08%	+10.48%	+15.65%	+8.56%
EAAFX	Allspring Asset Allocation Fund	0.75%	+14.98%	+14.21%	+7.56%
TAAMX	Transamerica Asset Allocation - Moderate Portfolio	0.95%	+14.62%	+13.19%	—
PRPDX	Permanent Portfolio	1.06%	+21.67%	+19.48%	+13.49%
ZABDFX	American Beacon Diversified Fund	—	+10.72%	+12.59%	+9.53%
SSBSX	State Street Target Retirement 2025 Fund	0.09%	+9.09%	+13.46%	+7.22%
HBLFX	THE HARTFORD BALANCED INCOME FUND	0.56%	+7.51%	+9.23%	+6.46%
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
ISEAX	VOYA INDEX SOLUTION 2035 PORTFOLIO	0.62%	+11.79%	+16.80%	+9.52%
FFBNX	Fidelity Freedom Blend 2025 Fund	1.44%	+10.16%	+14.37%	—
TLQIX	Nuveen Lifecycle Index 2025 Fund	0.10%	+8.99%	+10.42%	+6.46%
FFBRX	Fidelity Freedom Blend 2035 Fund	0.47%	+12.50%	+17.86%	—
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
CAIBX	Capital Income Builder	0.58%	+15.51%	+14.04%	+11.04%
MNBWX	Pro-Blend Extended Term Series	0.10%	+8.63%	+11.55%	+6.94%
PACBX	Putnam Dynamic Asset Allocation Conservative Fund	0.63%	+19.25%	+1.44%	+3.55%
PDARX	Diversified Real Asset Fund	1.23%	+6.65%	+4.23%	+7.01%
FATHX	Fidelity Advisor Freedom 2035 Fund	0.65%	-16.73%	-33.83%	-41.49%
AAATX	American Funds 2010 Target Date Retirement Fund	0.59%	+10.80%	+10.21%	+6.55%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+14.42%	—	—
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+14.96%	+20.02%	+11.67%
FATWX	Fidelity Advisor Freedom 2025 Fund	1.59%	-18.46%	-35.74%	-42.96%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
RBSTX	Balanced Strategy Fund	0.89%	—	—	—
CAMRX	Calvert Moderate Allocation Fund	0.67%	+8.07%	+13.74%	—
TAAFX	Transamerica Asset Allocation Intermediate Horizon	0.95%	+13.02%	+12.09%	+7.14%
VSCGX	VANGUARD LIFESTRATEGY CONSERVATIVE GROWTH FUND	0.12%	+12.46%	+11.66%	+5.67%
VTWNX	VANGUARD TARGET RETIREMENT 2020 FUND	0.08%	+8.58%	+11.97%	+6.02%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+12.05%	+11.50%	+7.31%
JBAWX	Balanced Fund	0.62%	+17.64%	+16.24%	+10.38%
SWYFX	Schwab Target 2035 Index Fund	0.08%	+11.78%	+17.31%	+9.77%
VGWAX	VANGUARD GLOBAL WELLINGTON FUND	0.43%	+7.32%	+11.22%	+8.54%
TCLTX	Nuveen Lifecycle 2020 Fund	0.54%	+7.17%	+8.70%	+5.23%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
AABTX	American Funds 2015 Target Date Retirement Fund	0.61%	+11.19%	+10.71%	+6.94%
TAIAX	American Funds Tax-Aware Conservative Growth and Income Portfolio	0.66%	+11.96%	+12.92%	+8.66%
DOXBX	Dodge & Cox Balanced Fund	0.43%	+9.74%	+15.05%	—
FBAKX	Fidelity Balanced Fund	0.46%	+11.35%	+14.26%	+10.21%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+19.20%	+17.92%	+11.51%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
LTPDX	Principal LifeTime 2025 Fund	0.52%	+10.91%	+11.48%	+7.06%
CVLCX	Calamos Global Opportunities Fund	1.22%	+18.81%	+18.75%	+11.10%
PMACX	Victory Pioneer Multi-Asset Income Fund	0.84%	—	—	—
SWC1Z	Schwab VIT Balanced with Growth Portfolio	0.54%	+10.75%	+15.16%	+8.07%
SWKRX	Schwab Monthly Income Fund - Flexible Payout	0.19%	+4.39%	+9.96%	+3.79%
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
FDAFX	Fidelity Advisor Freedom 2020 Fund	0.28%	-19.18%	-36.49%	-43.44%
OAZBX	Oakmark Equity and Income Fund	0.56%	+7.65%	+14.06%	—
SSCQX	State Street Target Retirement 2040 Fund	0.09%	+13.33%	+18.19%	+9.77%
PSQGX	Port Street Quality Growth Fund$1M min	0.97%	+4.84%	+12.16%	+7.34%
VWIAX	VANGUARD WELLESLEY INCOME FUND	0.16%	+6.15%	+9.67%	+5.22%
LCGSX	Franklin Multi-Asset Conservative Growth Fund	0.70%	—	—	—
FPUKX	Fidelity Puritan Fund	0.47%	+10.50%	+14.48%	+9.65%
GGSPX	Goldman Sachs Growth and Income Strategy Portfolio	0.55%	+11.16%	+15.50%	+8.74%
SWOBX	Schwab Balanced Fund	0.51%	+14.26%	+15.03%	+8.85%
SSFOX	State Street Target Retirement Fund	0.09%	+7.51%	+10.74%	+5.54%
FATYX	Fidelity Freedom Index 2020 Fund	0.05%	+8.79%	—	—
GAOPX	Goldman Sachs Balanced Strategy Portfolio	0.61%	+7.68%	+11.75%	+5.92%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
CBFAX	American Funds Global Balanced Fund	0.80%	+13.87%	+13.82%	+7.93%

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