RCLCX

Active

Conservative Strategy Fund

Category: Other (5,046 funds)

Expense Ratio

1.76%

Annual Cost per $10K

$176.00

30-Year Fee Drag per $10K

$29,839

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+7.07%

Asset Allocation

US Equity

13%

Intl Equity

US Bond

53%

Intl Bond

16%

Cash

10%

Fee Comparison

RCLCX

1.76%

Other average

0.99%

Other cheapest

FCDSX

0.00%

Index benchmark

0.03%

78% more expensive than category average

Historical Returns

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

+22.91%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

RCLCX at 1.76%$231,417

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$149,196

Cost vs index fund−$146,007

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
RCLCX	Conservative Strategy Fund	1.76%	+7.07%	+7.12%	+1.95%
FNCFX	Franklin Income Fund	0.41%	+7.15%	+11.41%	+9.96%
FAGIX	Fidelity Capital and Income Fund	0.90%	+12.77%	+12.18%	+9.03%
GIOSX	Guggenheim Macro Opportunities Fund	0.93%	+6.54%	+8.75%	+4.45%
VTINX	VANGUARD TARGET RETIREMENT INCOME FUND	0.08%	+7.89%	+10.30%	+4.55%
PFIFX	SAM Flexible Income Portfolio	1.80%	+9.01%	+9.08%	+4.36%
FADMX	Fidelity Advisor Strategic Income Fund	0.65%	+6.54%	+8.85%	+3.89%
VTWNX	VANGUARD TARGET RETIREMENT 2020 FUND	0.08%	+8.58%	+11.97%	+6.02%
PIINX	PIMCO Income Fund	1.08%	+6.98%	+8.60%	+4.02%
JNBZX	JPMorgan Income Builder Fund	0.52%	+11.45%	+11.08%	+6.57%
LBNOX	LORD ABBETT BOND DEBENTURE FUND INC	0.62%	+6.31%	+8.05%	+3.44%
FPCIX	Strategic Advisers Core Income Fund	0.33%	+3.89%	+3.62%	-0.16%
FAHDX	Fidelity Advisor Capital and Income Fund	1.18%	-4.65%	-23.77%	-28.98%
RBBAX	Columbia Income Builder Fund	0.97%	+9.43%	+9.04%	+4.46%
PSPAX	PIMCO StocksPLUS Fund	1.10%	+17.15%	+24.47%	+15.09%
DTBRX	PGIM Total Return Bond Fund	0.75%	+6.16%	+6.55%	+0.03%
FFFCX	Fidelity Freedom 2010 Fund	0.46%	+6.99%	+9.79%	+4.43%
SBOTX	Overlay B Portfolio	0.76%	+6.51%	+8.71%	+3.81%
FIWGX	Strategic Advisers Fidelity Core Income Fund	0.16%	+3.62%	+3.67%	+0.28%
PGBAX	Diversified Income Fund	1.06%	+6.66%	+7.47%	+4.53%
ETSIX	Eaton Vance Strategic Income Fund	1.46%	+11.45%	+9.24%	+5.19%
VASIX	VANGUARD LIFESTRATEGY INCOME FUND	0.11%	+8.98%	+8.49%	+2.72%
VRP	Invesco Variable Rate Preferred ETF	0.50%	+7.56%	+8.62%	+5.19%
HOBEX	Holbrook Income Fund	1.31%	+7.24%	+6.76%	+5.51%
PUBAX	PIMCO Dynamic Bond Fund	1.31%	+7.73%	+7.30%	+2.87%
JDYRX	PGIM High Yield Fund	0.74%	+8.73%	+8.45%	+4.68%
PGCAX	PIMCO Investment Grade Credit Bond Fund	1.34%	+4.21%	+7.18%	+0.42%
HYG	iShares iBoxx $ High Yield Corporate Bond ETF	0.49%	+8.21%	+8.86%	+4.39%
PTRAX	PIMCO Total Return Fund	0.76%	+4.09%	+5.81%	-0.06%
FGQMX	Fidelity High Income Fund	1.85%	-7.28%	-25.13%	-31.57%
CVSCX	Calamos Market Neutral Income Fund	1.97%	+6.47%	+7.07%	+4.09%
FAUDX	Strategic Advisers Short Duration Fund	0.20%	+5.04%	+5.12%	+2.85%
FFOYX	Fidelity Freedom 2015 Fund	0.45%	—	—	—
VWIAX	VANGUARD WELLESLEY INCOME FUND	0.16%	+6.15%	+9.67%	+5.22%
ISFAX	Lord Abbett Multi-Asset Income Fund	1.39%	+8.01%	+8.45%	+5.38%
PTOAX	PIMCO StocksPLUS Absolute Return Fund	1.35%	+18.06%	+25.48%	+15.47%
PALTX	Principal LifeTime Strategic Income Fund	1.06%	+9.19%	+9.49%	+4.04%
PCBFX	SAM Conservative Balanced Portfolio	0.87%	+10.79%	+11.18%	+6.23%
WCFRX	Virtus Westchester Credit Event Fund	1.83%	+6.31%	+7.86%	+2.56%
FFFAX	Fidelity Freedom Retirement Fund	0.24%	+6.27%	+8.28%	+3.27%
LDLAX	Lord Abbett Short Duration Income Fund	0.83%	+4.78%	+4.00%	+1.80%
THYFX	THRIVENT CONSERVATIVE ALLOCATION FUND	0.70%	+6.57%	+9.46%	+4.78%
LUBOX	Lord Abbett Ultra Short Bond Fund	0.24%	+5.33%	+5.48%	+3.17%
JPST	JPMorgan Ultra-Short Income ETF	0.18%	+4.98%	+5.10%	+3.12%
APDFX	Artisan High Income Fund	0.80%	+8.03%	+11.12%	+6.84%
PLFJX	Principal LifeTime 2020 Fund	0.76%	+10.12%	+10.67%	+6.20%
ESFHX	Eaton Vance Floating-Rate & High Income Fund	0.75%	+5.26%	+8.64%	+5.88%
PDINX	Putnam Diversified Income Trust	0.66%	+6.28%	+7.00%	+2.70%
PSFAX	PIMCO Short-Term Fund	0.73%	+5.03%	+5.38%	+2.97%
JMGIX	JPMorgan Managed Income Fund	0.25%	+4.89%	+4.95%	+2.98%
PFIAX	PIMCO Low Duration Income Fund	1.21%	+7.24%	+8.03%	+4.26%
RNDLX	RiverNorth/DoubleLine Strategic Income Fund	1.77%	+4.59%	+7.94%	+2.95%
IGIB	iShares 5-10 Year Investment Grade Corporate Bond ETF	0.04%	+5.91%	+6.01%	+0.90%
ITTFX	Hartford Multi-Asset Income Fund	0.66%	+11.46%	+10.98%	+6.20%
IIFAX	Voya Balanced Income Portfolio	1.21%	+9.84%	+12.20%	+6.44%
MAFRX	Victory Pioneer Multi-Asset Ultrashort Income Fund	0.58%	—	—	—
IGSB	iShares 1-5 Year Investment Grade Corporate Bond ETF	0.04%	+5.84%	+5.44%	+2.21%
TAAJX	Transamerica Asset Allocation - Conservative Portfolio	0.91%	+11.91%	+10.75%	—
NEZNX	Loomis Sayles Strategic Income Fund	0.62%	+7.06%	+9.26%	+3.96%
RCLRX	Conservative Strategy Fund	0.69%	+8.32%	+8.28%	+3.05%
GNCFX	Goldman Sachs Multi-Manager Non-Core Fixed Income Fund	0.70%	+10.11%	+10.97%	+4.44%
PHYAX	PIMCO High Yield Fund	0.85%	+6.34%	+9.90%	+4.41%
LSYAX	Lord Abbett Short Duration High Yield Fund	1.05%	+7.43%	+9.63%	+6.24%
ACCBX	Invesco Corporate Bond Fund	0.41%	+3.66%	+4.66%	+0.44%
IPNFX	Invesco Multi-Asset Income Fund	1.72%	+9.16%	+9.77%	+3.98%
FATKX	Fidelity Freedom 2020 Fund	0.28%	+9.58%	+13.40%	+6.69%
FSHGX	Fidelity SAI High Income Fund	0.71%	+9.82%	+10.06%	—
PSTQX	PGIM Short-Term Corporate Bond Fund	0.38%	+5.04%	+6.53%	+2.39%
ANBAX	American Funds Strategic Bond Fund	0.31%	+2.58%	+3.34%	-1.05%
GGKPX	Goldman Sachs Income Builder Fund	0.48%	+10.00%	+11.07%	+8.02%
AHIFX	American High Income Trust	0.43%	+7.48%	+11.16%	+6.97%
ACTIX	Advisors Capital Tactical Fixed Income Fund	2.04%	+2.98%	+5.70%	—
PADAX	PGIM Absolute Return Bond Fund	0.95%	+5.34%	+6.79%	+4.69%
SDMAX	PGIM Short Duration Multi-Sector Bond Fund	0.62%	+5.92%	+6.50%	+2.71%
DLDZX	Destinations Low Duration Fixed Income Fund	0.79%	+4.90%	+6.30%	+4.97%
FATYX	Fidelity Freedom Index 2020 Fund	0.05%	+8.79%	—	—
DNAVX	Dunham Dynamic Macro Fund	2.01%	+5.94%	+11.70%	+6.43%
OSTIX	The Osterweis Strategic Income Fund	0.83%	+6.07%	+9.76%	+5.76%
RSBRX	Strategic Bond Fund	0.45%	+6.32%	+5.28%	-0.43%
BCAAX	BrandywineGLOBAL - CORPORATE CREDIT FUND	1.19%	+6.08%	+10.15%	—
USHY	iShares Broad USD High Yield Corporate Bond ETF	0.15%	+8.26%	+10.15%	+5.43%
VSCGX	VANGUARD LIFESTRATEGY CONSERVATIVE GROWTH FUND	0.12%	+12.46%	+11.66%	+5.67%
GDIAX	Goldman Sachs Short Duration Bond Fund	1.11%	+4.58%	+5.64%	+1.82%
TCLEX	Nuveen Lifecycle 2010 Fund	0.51%	+6.85%	+7.92%	+4.56%
IIINX	THRIVENT MULTISECTOR BOND FUND	0.67%	+7.36%	+7.84%	+2.91%
JNK	SPDR(R) Bloomberg High Yield Bond ETF	0.40%	+7.07%	+10.66%	+4.72%
SJNK	SPDR Bloomberg Short Term High Yield Bond ETF	0.40%	+6.95%	+10.06%	+6.23%
JMTNX	Janus Henderson Multi-Sector Income Fund	0.88%	+7.00%	+8.94%	+3.87%
USIG	iShares Broad USD Investment Grade Corporate Bond ETF	0.04%	+4.26%	+4.89%	+0.19%
WAPSX	Western Asset Core Plus Bond Fund	0.42%	+2.60%	+5.35%	-1.43%
PLDAX	PIMCO Low Duration Fund	0.75%	+4.16%	+4.79%	+1.49%
FCNQX	Fidelity Conservative Income Bond Fund	0.45%	-4.56%	—	—
POAAX	Aristotle Portfolio Optimization Conservative Fund	1.11%	+6.54%	—	—
MINT	PIMCO Enhanced Short Maturity Active Exchange-Traded Fund	0.36%	+4.96%	+5.52%	+2.94%
SHYG	iShares 0-5 Year High Yield Corporate Bond ETF	0.30%	+7.49%	+8.94%	+5.93%
ACPSX	Invesco Core Plus Bond Fund	0.79%	+3.33%	+3.97%	-0.10%
FATVX	Fidelity Freedom Index 2015 Fund	0.04%	+7.66%	—	—
HYSAX	PGIM Short Duration High Yield Income Fund	1.00%	+7.50%	+8.02%	+5.38%
GMBPX	Goldman Sachs Short-Term Conservative Income Fund	0.23%	+4.88%	+5.44%	+3.28%
FTRFX	Federated Hermes Total Return Bond Fund	0.69%	+3.16%	+2.84%	-0.13%
PULS	PGIM Ultra Short Bond ETF	0.15%	+5.27%	+5.70%	+3.62%

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