OAFIX

Active

Optimum Fixed Income Fund

Category: US Bond (5,386 funds)

Expense Ratio

1.79%

Annual Cost per $10K

$179.00

30-Year Fee Drag per $10K

$30,233

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+5.45%

Asset Allocation

US Bond

74%

Intl Bond

16%

Cash

10%

Fee Comparison

OAFIX

1.79%

US Bond average

0.76%

US Bond cheapest

ABIMX

0.00%

Index benchmark

0.03%

136% more expensive than category average

Historical Returns

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

+17.54%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

OAFIX at 1.79%$229,446

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$151,167

Cost vs index fund−$147,978

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
OAFIX	Optimum Fixed Income Fund	1.79%	+5.45%	+5.53%	-0.51%
PIINX	PIMCO Income Fund	1.08%	+9.19%	+8.66%	+4.05%
OCFIX	Optimum Fixed Income Fund	1.79%	+4.56%	+4.68%	-1.28%
ABNDX	Bond Fund of America	1.04%	+5.29%	+4.96%	-0.25%
PTRAX	PIMCO Total Return Fund	0.76%	+6.87%	+6.36%	+0.01%
PIPAX	PIMCO StocksPLUS International Fund (U.S. Dollar-Hedged)	1.57%	+21.78%	+19.50%	+15.68%
JDYRX	PGIM High Yield Fund	0.74%	+8.73%	+8.45%	+4.68%
FGQMX	Fidelity High Income Fund	1.85%	-7.28%	-25.13%	-31.57%
IIBAX	VOYA INTERMEDIATE BOND FUND	1.43%	+5.27%	+6.06%	-0.11%
CCBFX	Capital Group Central Corporate Bond Fund	—	+3.73%	+4.53%	—
JCPPX	JPMorgan Core Plus Bond Fund	1.14%	+3.47%	+3.44%	-0.03%
PHYAX	PIMCO High Yield Fund	0.85%	+7.83%	+9.11%	+4.47%
PGCAX	PIMCO Investment Grade Credit Bond Fund	1.34%	+6.46%	+7.54%	+0.46%
JCBPX	JPMorgan Core Bond Fund	1.33%	+3.25%	+3.03%	-0.39%
HYSAX	PGIM Short Duration High Yield Income Fund	1.00%	+7.50%	+8.02%	+5.38%
PFIAX	PIMCO Low Duration Income Fund	1.21%	+8.83%	+8.12%	+4.32%
BCOSX	Baird Core Plus Bond Fund	0.55%	+5.41%	+6.17%	+0.14%
FBKWX	Fidelity Total Bond Fund	0.75%	+3.99%	+4.27%	+0.57%
APDFX	Artisan High Income Fund	0.80%	+9.10%	+10.47%	+6.90%
WAPSX	Western Asset Core Plus Bond Fund	0.42%	+5.71%	+5.73%	-1.36%
PIXAX	PIMCO RAE PLUS Fund	1.39%	+16.28%	+14.98%	+16.01%
DTBRX	PGIM Total Return Bond Fund	0.75%	+6.16%	+6.55%	+0.03%
BAGSX	Baird Aggregate Bond Fund	0.55%	+5.24%	+5.74%	-0.32%
ACPSX	Invesco Core Plus Bond Fund	0.79%	+3.33%	+3.97%	-0.10%
CMBKX	American Funds Multi-Sector Income Fund	0.70%	+7.28%	+9.22%	+3.57%
STYAX	Allspring Core Plus Bond Fund	0.67%	+3.30%	+3.50%	+2.07%
PTCIX	PIMCO Long-Term Credit Bond Fund$1M min	1.51%	+4.91%	+7.93%	-1.74%
HYG	iShares iBoxx $ High Yield Corporate Bond ETF	0.49%	+8.21%	+8.86%	+4.39%
ANBAX	American Funds Strategic Bond Fund	0.31%	+5.38%	+3.74%	-1.00%
FIHAX	Federated Hermes Institutional High Yield Bond Fund	0.75%	+7.20%	—	—
HIGFX	American High Income Trust	0.32%	+8.57%	+10.59%	+7.12%
BCAAX	BrandywineGLOBAL - CORPORATE CREDIT FUND	1.19%	+6.52%	+9.73%	—
OSTIX	The Osterweis Strategic Income Fund	0.83%	+6.57%	+9.22%	+5.67%
BSBSX	Baird Short-Term Bond Fund	0.55%	+5.23%	+5.38%	+2.09%
LDLVX	Lord Abbett Short Duration Income Fund	0.32%	+5.74%	+4.94%	+2.70%
GIBRX	Guggenheim Total Return Bond Fund	0.49%	+6.52%	+7.11%	+0.66%
LQD	iShares iBoxx $ Investment Grade Corporate Bond ETF	0.14%	+3.36%	+4.42%	-0.63%
VWEAX	VANGUARD HIGH-YIELD CORPORATE FUND	0.22%	+8.45%	+9.43%	+4.79%
BGHAX	BrandywineGLOBAL - HIGH YIELD FUND	0.89%	+6.64%	+10.53%	—
JNK	SPDR(R) Bloomberg High Yield Bond ETF	0.40%	+8.58%	+9.85%	+4.80%
LFROX	Lord Abbett Floating Rate Fund	0.54%	+6.93%	+8.70%	+6.88%
VVJBX	Voya Short Duration High Income Fund	1.58%	+2.06%	—	—
PANIX	T. Rowe Price New Income Fund, Inc.	0.92%	+2.50%	+2.12%	-1.23%
TSRSX	Thornburg Strategic Income Fund	0.53%	+6.59%	+7.11%	+3.54%
PEFFX	PIMCO RAE PLUS EMG Fund	1.85%	+21.68%	+22.55%	+15.99%
FCNQX	Fidelity Conservative Income Bond Fund	0.45%	-4.56%	—	—
MRBBX	MFS Total Return Bond Fund	0.60%	+5.35%	+5.64%	-0.40%
EIBRX	Eaton Vance Income Fund of Boston	0.66%	+7.89%	+9.49%	+5.83%
URHIX	Victory High Income Fund	0.79%	+8.35%	+9.88%	+5.75%
GDIAX	Goldman Sachs Short Duration Bond Fund	1.11%	+5.90%	+5.76%	+1.95%
CSOAX	Credit Suisse Strategic Income Fund	1.80%	+5.64%	+9.71%	+6.02%
CHIAX	Credit Suisse Floating Rate High Income Fund	0.95%	+5.21%	+8.54%	+6.24%
USHY	iShares Broad USD High Yield Corporate Bond ETF	0.15%	+8.26%	+10.15%	+5.43%
BBBMX	BBH Limited Duration Fund	0.35%	+5.63%	+6.69%	+4.01%
PTOAX	PIMCO StocksPLUS Absolute Return Fund	1.35%	+20.28%	+22.41%	+16.13%
LGBNX	Loomis Sayles Investment Grade Bond Fund	0.44%	+5.36%	+6.49%	+1.57%
VPVTRDV	PIMCO Total Return Portfolio	0.79%	+6.71%	+6.40%	-0.03%
SKCRX	DWS Enhanced Commodity Strategy Fund	0.95%	+6.21%	+0.75%	+9.02%
PCKTX	PIMCO StocksPLUS Small Fund	1.00%	+15.55%	-3.19%	—
LBNDX	LORD ABBETT BOND DEBENTURE FUND INC	0.90%	+7.65%	+7.26%	+3.08%
SSTHX	Allspring Short-Term High Income Fund	0.82%	+5.75%	+6.57%	+3.90%
JSDUX	JPMorgan Short Duration Bond Fund	0.28%	+5.14%	+4.80%	+2.32%
BUBSX	Baird Ultra Short Bond Fund	0.40%	+4.66%	+5.21%	+3.07%
MAFRX	Victory Pioneer Multi-Asset Ultrashort Income Fund	0.58%	—	—	—
PCRRX	PIMCO CommodityRealReturn Strategy Fund	1.25%	+13.60%	+2.93%	+11.89%
DCPAX	BNY Mellon Core Plus Fund	1.45%	+6.27%	+6.42%	+0.48%
PTSOX	PIMCO RAE PLUS International Fund	1.57%	+28.62%	+21.88%	+14.82%
GGMPX	Goldman Sachs High Yield Fund	0.98%	+7.96%	+9.55%	+4.57%
BIMSX	Baird Intermediate Bond Fund	0.55%	+5.68%	+5.54%	+0.81%
GMDZX	MEDIUM-DURATION BOND FUND	0.68%	+6.03%	+5.88%	-0.57%
BFCAX	American Funds Corporate Bond Fund	1.48%	+2.89%	+3.82%	-0.85%
WAPIX	Western Asset Core Bond Fund	0.80%	+5.27%	+5.29%	-1.43%
NERNX	Loomis Sayles Core Plus Bond Fund	0.39%	+5.79%	+5.96%	+0.19%
TRKZX	T. Rowe Price High Yield Fund, Inc.	0.60%	+8.32%	+9.55%	+5.47%
CWB	SPDR(R) Bloomberg Convertible Securities ETF	0.40%	+18.40%	+13.28%	+7.63%
VCORX	VANGUARD CORE BOND FUND	0.20%	+5.70%	+5.75%	-0.11%
PLSTX	Aristotle Strategic Income Fund	0.94%	+6.71%	—	—
USIG	iShares Broad USD Investment Grade Corporate Bond ETF	0.04%	+4.26%	+4.89%	+0.19%
PSPAX	PIMCO StocksPLUS Fund	1.10%	+18.65%	+21.50%	+15.76%
LSYAX	Lord Abbett Short Duration High Yield Fund	1.05%	+7.43%	+9.63%	+6.24%
PTSRX	PIMCO Short-Term Fund	0.98%	+4.62%	+5.33%	+2.73%
MHYSX	NYLI MacKay High Yield Corporate Bond Fund	0.56%	+6.61%	+8.80%	+5.29%
IGIB	iShares 5-10 Year Investment Grade Corporate Bond ETF	0.04%	+5.91%	+6.01%	+0.90%
SJNK	SPDR Bloomberg Short Term High Yield Bond ETF	0.40%	+7.81%	+9.47%	+6.26%
SHYG	iShares 0-5 Year High Yield Corporate Bond ETF	0.30%	+7.49%	+8.94%	+5.93%
JMTNX	Janus Henderson Multi-Sector Income Fund	0.88%	+9.02%	+9.06%	+3.67%
FCBAX	Fidelity Corporate Bond Fund	0.77%	-18.87%	-30.47%	-35.85%
NRSIX	Neuberger Berman Strategic Income Fund	0.51%	+9.22%	+9.46%	+4.29%
FGKNX	Franklin Core Plus Bond Fund	0.72%	+6.41%	+7.51%	+2.92%
TAIBX	PGIM Core Bond Fund	0.96%	+6.47%	+6.40%	+0.02%
MINT	PIMCO Enhanced Short Maturity Active Exchange-Traded Fund	0.36%	+4.91%	+5.73%	+3.01%
SPIB	SPDR Portfolio Intermediate Term Corporate Bond ETF	0.04%	+6.90%	+7.15%	+1.62%
CFAMX	Short-Term Bond Fund of America	0.66%	+4.79%	+3.99%	+1.63%
PWLBX	PIMCO RAE Worldwide Long/Short PLUS Fund	1.82%	+6.45%	+8.66%	+9.58%
TSBBX	Nuveen Core Impact Bond Fund	0.51%	+5.12%	+5.57%	-0.29%
SPSB	SPDR Portfolio Short Term Corporate Bond ETF	0.04%	+5.73%	+5.85%	+2.51%
TAHBX	Transamerica High Yield Bond	0.61%	+7.75%	+8.81%	+5.01%
PSJIX	Short-Term Income Fund	0.63%	+5.24%	+5.66%	+2.13%
LSBNX	Loomis Sayles Bond Fund	0.60%	+8.25%	+8.62%	+3.60%
FIJWX	Fidelity Short Duration High Income Fund	1.75%	+7.79%	+8.68%	+4.98%
PBFKX	Victory Pioneer Bond Fund	0.36%	—	—	—

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