RMLCX

Active

Moderate Strategy Fund

Category: Balanced (1,430 funds)

Expense Ratio

1.77%

Annual Cost per $10K

$177.00

30-Year Fee Drag per $10K

$29,971

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+10.07%

Asset Allocation

US Equity

23%

Intl Equity

19%

US Bond

39%

Intl Bond

12%

Cash

Fee Comparison

RMLCX

1.77%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

108% more expensive than category average

Historical Returns

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

+32.87%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

RMLCX at 1.77%$230,758

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$149,855

Cost vs index fund−$146,666

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
RMLCX	Moderate Strategy Fund	1.77%	+10.07%	+9.94%	+4.95%
VTTVX	VANGUARD TARGET RETIREMENT 2025 FUND	0.08%	+10.53%	+14.31%	+7.39%
FDTKX	Fidelity Freedom 2025 Fund	0.59%	+10.67%	+14.80%	+7.64%
VTWNX	VANGUARD TARGET RETIREMENT 2020 FUND	0.08%	+8.58%	+11.97%	+6.02%
FATKX	Fidelity Freedom 2020 Fund	0.28%	+9.58%	+13.40%	+6.69%
PRPDX	Permanent Portfolio	1.06%	+21.67%	+19.48%	+13.49%
FATWX	Fidelity Advisor Freedom 2025 Fund	1.59%	-18.46%	-35.74%	-42.96%
FFFEX	Fidelity Freedom 2030 Fund	0.61%	+11.37%	+15.77%	+8.45%
VTINX	VANGUARD TARGET RETIREMENT INCOME FUND	0.08%	+7.89%	+10.30%	+4.55%
FPFRX	FPA Crescent Fund	1.06%	+15.19%	—	—
FFBNX	Fidelity Freedom Blend 2025 Fund	1.44%	+10.16%	+14.37%	—
VSCGX	VANGUARD LIFESTRATEGY CONSERVATIVE GROWTH FUND	0.12%	+12.46%	+11.66%	+5.67%
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%
FATZX	Fidelity Freedom Index 2025 Fund	0.05%	+9.85%	—	—
FFOYX	Fidelity Freedom 2015 Fund	0.45%	—	—	—
FNCFX	Franklin Income Fund	0.41%	+7.15%	+11.41%	+9.96%
PCBFX	SAM Conservative Balanced Portfolio	0.87%	+10.79%	+11.18%	+6.23%
FAUYX	Fidelity Freedom Index 2030 Fund	0.05%	+10.81%	—	—
PLTJX	Principal LifeTime 2030 Fund	0.79%	+12.03%	+12.82%	+8.12%
PMACX	Victory Pioneer Multi-Asset Income Fund	0.84%	—	—	—
FAGIX	Fidelity Capital and Income Fund	0.90%	+12.77%	+12.18%	+9.03%
FIWBX	Fidelity Advisor Multi-Asset Income Fund	0.80%	+13.74%	+13.57%	+9.80%
FFBLX	Fidelity Freedom Blend 2020 Fund	0.93%	+9.13%	+13.03%	—
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%
TCLTX	Nuveen Lifecycle 2020 Fund	0.54%	+7.17%	+8.70%	+5.23%
ISFAX	Lord Abbett Multi-Asset Income Fund	1.39%	+8.01%	+8.45%	+5.38%
JCRAX	ALPS \| CoreCommodity Mgmt CompleteCommoditiesSM Strategy Fund	1.39%	+19.24%	+4.36%	+14.40%
FATYX	Fidelity Freedom Index 2020 Fund	0.05%	+8.79%	—	—
TLHIX	Nuveen Lifecycle Index 2030 Fund	0.25%	+9.89%	+11.56%	+7.37%
HBLFX	THE HARTFORD BALANCED INCOME FUND	0.56%	+7.51%	+9.23%	+6.46%
FDAFX	Fidelity Advisor Freedom 2020 Fund	0.28%	-19.18%	-36.49%	-43.44%
KTRZX	DWS Global Income Builder Fund	0.58%	+15.01%	+14.69%	+8.66%
PLFJX	Principal LifeTime 2020 Fund	0.76%	+10.12%	+10.67%	+6.20%
RMTTX	Moderate Strategy Fund	0.75%	—	—	—
IPNFX	Invesco Multi-Asset Income Fund	1.72%	+9.16%	+9.77%	+3.98%
TLQIX	Nuveen Lifecycle Index 2025 Fund	0.10%	+8.99%	+10.42%	+6.46%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+12.84%	+17.28%	+9.56%
LTPDX	Principal LifeTime 2025 Fund	0.52%	+10.91%	+11.48%	+7.06%
VYGJX	Voya Global Income & Growth Fund	0.85%	+12.15%	+10.85%	+7.03%
CVSCX	Calamos Market Neutral Income Fund	1.97%	+6.47%	+7.07%	+4.09%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+12.16%	—	—
VWIAX	VANGUARD WELLESLEY INCOME FUND	0.16%	+6.15%	+9.67%	+5.22%
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
BNGLX	UBS GLOBAL ALLOCATION FUND	1.43%	+13.01%	+12.73%	+6.72%
FAHDX	Fidelity Advisor Capital and Income Fund	1.18%	-4.65%	-23.77%	-28.98%
GAOPX	Goldman Sachs Balanced Strategy Portfolio	0.61%	+7.68%	+11.75%	+5.92%
FAFEX	Fidelity Advisor Freedom 2030 Fund	0.36%	-17.75%	-35.04%	-42.42%
ALAAX	Invesco Income Allocation Fund	0.91%	+7.80%	+9.37%	+4.60%
TLWIX	Nuveen Lifecycle Index 2020 Fund	0.35%	+8.50%	+9.62%	+5.73%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
FFFCX	Fidelity Freedom 2010 Fund	0.46%	+6.99%	+9.79%	+4.43%
TAIAX	American Funds Tax-Aware Conservative Growth and Income Portfolio	0.66%	+11.96%	+12.92%	+8.66%
TAAMX	Transamerica Asset Allocation - Moderate Portfolio	0.95%	+14.62%	+13.19%	—
FBAKX	Fidelity Balanced Fund	0.46%	+11.35%	+14.26%	+10.21%
EKSRX	Allspring Diversified Income Builder Fund	0.53%	+12.87%	+14.45%	+8.42%
CAAMX	Invesco Select Risk: Moderately Conservative Investor Fund	1.69%	+7.37%	+10.06%	+4.45%
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
FPCIX	Strategic Advisers Core Income Fund	0.33%	+3.89%	+3.62%	-0.16%
FFBPX	Fidelity Freedom Blend 2030 Fund	0.36%	+11.07%	+15.64%	—
TCFPX	Nuveen Lifecycle 2015 Fund	0.37%	+7.02%	+8.21%	+4.91%
DOXBX	Dodge & Cox Balanced Fund	0.43%	+9.74%	+15.05%	—
PQICX	PIMCO Dividend and Income Fund	0.92%	+11.53%	+14.66%	+11.67%
TAAJX	Transamerica Asset Allocation - Conservative Portfolio	0.91%	+11.91%	+10.75%	—
FFVAX	Fidelity Advisor Freedom 2015 Fund	0.26%	-19.99%	-37.37%	-43.93%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
MSFKX	MFS Total Return Fund	0.40%	+6.74%	+12.13%	+8.11%
NRIFX	Nuveen Real Asset Income Fund	0.81%	+5.44%	+10.48%	+6.63%
AQRRX	AQR Multi-Asset Fund	0.96%	+13.14%	+14.33%	+9.29%
FPUKX	Fidelity Puritan Fund	0.47%	+10.50%	+14.48%	+9.65%
ITTFX	Hartford Multi-Asset Income Fund	0.66%	+11.46%	+10.98%	+6.20%
MTODX	NYLI Income Builder Fund	0.68%	+13.80%	+13.82%	+8.42%
CBFAX	American Funds Global Balanced Fund	0.80%	+13.87%	+13.82%	+7.93%
JNBZX	JPMorgan Income Builder Fund	0.52%	+11.45%	+11.08%	+6.57%
PHJQX	Principal LifeTime Hybrid 2025 Fund	0.32%	+12.27%	+12.11%	+7.69%
AZNAX	Virtus Income & Growth Fund	1.14%	-6.20%	-31.20%	-33.87%
CAIBX	Capital Income Builder	0.58%	+15.51%	+14.04%	+11.04%
TAAFX	Transamerica Asset Allocation Intermediate Horizon	0.95%	+13.02%	+12.09%	+7.14%
TCLEX	Nuveen Lifecycle 2010 Fund	0.51%	+6.85%	+7.92%	+4.56%
ZABDFX	American Beacon Diversified Fund	—	+10.72%	+12.59%	+9.53%
PALTX	Principal LifeTime Strategic Income Fund	1.06%	+9.19%	+9.49%	+4.04%
WMBFX	Allspring Spectrum Conservative Growth Fund	1.80%	+12.11%	+9.81%	+4.93%
TLIRX	Nuveen Lifecycle Retirement Income Fund	0.45%	+6.81%	+7.92%	+4.54%
NLGAX	Columbia Capital Allocation Moderate Conservative Portfolio	0.91%	+12.42%	+11.48%	+5.69%
POBAX	Aristotle Portfolio Optimization Moderate Conservative Fund	1.12%	+8.05%	—	—
VGWIX	VANGUARD GLOBAL WELLESLEY INCOME FUND	0.43%	+7.19%	+8.51%	+5.21%
FBFRX	Franklin Managed Income Fund	0.59%	+5.98%	+8.38%	+7.62%
SSBSX	State Street Target Retirement 2025 Fund	0.09%	+9.09%	+13.46%	+7.22%
TSIMX	Nuveen Lifestyle Moderate Fund	0.87%	+8.40%	+11.48%	+6.69%
VASIX	VANGUARD LIFESTRATEGY INCOME FUND	0.11%	+8.98%	+8.49%	+2.72%
LPSAX	BlackRock LifePath Dynamic Retirement Fund	0.34%	+8.41%	+12.70%	+6.07%
IIIPX	VOYA INDEX SOLUTION INCOME PORTFOLIO	0.20%	+7.37%	+10.21%	+4.52%
PHJNX	Principal LifeTime Hybrid 2030 Fund	0.31%	+13.62%	+13.48%	+8.71%
PHJTX	Principal LifeTime Hybrid 2020 Fund	0.48%	+11.31%	+11.12%	+6.64%
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
DBIWX	DWS Global Macro Fund	1.04%	+11.59%	+9.55%	+6.45%
PFIFX	SAM Flexible Income Portfolio	1.80%	+9.01%	+9.08%	+4.36%
TIMIX	Nuveen Managed Allocation Fund	0.46%	+8.45%	+13.24%	+9.24%
RBSTX	Balanced Strategy Fund	0.89%	—	—	—

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