SPTAX

Active

SP Funds 2030 Target Date Fund

Category: Balanced (1,430 funds)

Expense Ratio

1.05%

Annual Cost per $10K

$105.00

30-Year Fee Drag per $10K

$19,495

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+12.03%

Asset Allocation

US Equity

44%

Intl Equity

US Bond

Intl Bond

46%

Fee Comparison

SPTAX

1.05%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

24% more expensive than category average

Historical Returns

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

+10.68%18 months

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

SPTAX at 1.05%$283,138

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$97,474

Cost vs index fund−$94,286

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
SPTAX	SP Funds 2030 Target Date Fund	1.05%	+12.03%	—	—
BMEAX	BlackRock High Equity Income Fund	0.80%	+7.03%	+10.35%	+12.54%
PFANX	PIMCO Preferred and Capital Securities Fund	1.48%	+6.90%	+9.57%	+3.75%
DGSIX	GLOBAL ALLOCATION 60/40 PORTFOLIO$1M min	0.25%	+13.24%	+13.71%	+9.85%
FFAQX	Franklin Global Allocation Fund	0.67%	+12.17%	+15.96%	+10.68%
SPTMX	SP Funds 2030 Target Date Fund$1M min	0.65%	+12.37%	—	—
FIBPX	Federated Hermes International Bond Strategy Portfolio	0.02%	+7.40%	+7.60%	+0.32%
DRRAX	BNY Mellon Global Real Return Fund	1.18%	+11.49%	+7.40%	+4.97%
CBFAX	American Funds Global Balanced Fund	0.80%	+13.87%	+13.82%	+7.93%
PRFD	PIMCO Preferred and Capital Securities Active Exchange-Traded Fund	0.73%	+6.49%	—	—
VTHRX	VANGUARD TARGET RETIREMENT 2030 FUND	0.08%	+11.70%	+15.93%	+8.50%
LGMNX	Loomis Sayles Global Allocation Fund	0.82%	+7.75%	+18.31%	+7.67%
FPE	First Trust Preferred Securities and Income ETF	0.85%	+8.46%	+9.69%	+4.62%
VTTHX	VANGUARD TARGET RETIREMENT 2035 FUND	0.08%	+12.84%	+17.28%	+9.56%
VFORX	VANGUARD TARGET RETIREMENT 2040 FUND	0.08%	+13.88%	+18.67%	+10.62%
MGPOX	Global Strategist Portfolio	0.68%	+11.34%	+15.72%	+7.45%
FQTEX	Franklin Templeton SMACS Series E	0.08%	+12.34%	+13.60%	+14.02%
VSMGX	VANGUARD LIFESTRATEGY MODERATE GROWTH FUND	0.13%	+15.80%	+14.79%	+8.58%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
PGLSX	Global Multi-Strategy Fund	1.78%	+7.37%	+7.25%	+5.73%
VTIVX	VANGUARD TARGET RETIREMENT 2045 FUND	0.08%	+14.96%	+20.02%	+11.67%
VTTVX	VANGUARD TARGET RETIREMENT 2025 FUND	0.08%	+10.53%	+14.31%	+7.39%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
GAOZX	JPMorgan Global Allocation Fund	0.65%	+13.56%	+13.24%	+7.61%
MACBX	MFS Conservative Allocation Fund	0.83%	+5.79%	+6.88%	+3.65%
VGWAX	VANGUARD GLOBAL WELLINGTON FUND	0.43%	+7.32%	+11.22%	+8.54%
MAGEX	MFS Growth Allocation Fund	1.19%	+9.74%	+11.71%	+8.24%
JEPI	JPMorgan Equity Premium Income ETF	0.35%	+4.33%	+12.99%	+10.62%
VASGX	VANGUARD LIFESTRATEGY GROWTH FUND	0.14%	+19.20%	+17.92%	+11.51%
VFIFX	VANGUARD TARGET RETIREMENT 2050 FUND	0.08%	+16.09%	+21.04%	+12.21%
PMACX	Victory Pioneer Multi-Asset Income Fund	0.84%	—	—	—
INCE	Franklin Income Equity Focus ETF	0.29%	+7.43%	+16.35%	+11.71%
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+8.77%	+14.58%	+7.82%
CAIBX	Capital Income Builder	0.58%	+15.51%	+14.04%	+11.04%
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
VFFVX	VANGUARD TARGET RETIREMENT 2055 FUND	0.08%	+16.07%	+21.02%	+12.19%
FFPCX	Fidelity Freedom 2035 Fund	0.59%	—	—	—
RMIRX	Multi-Strategy Income Fund	0.58%	—	—	—
HBLFX	THE HARTFORD BALANCED INCOME FUND	0.56%	+7.51%	+9.23%	+6.46%
DGTSX	GLOBAL ALLOCATION 25/75 PORTFOLIO$1M min	0.24%	+8.38%	+8.59%	+5.16%
MFWLX	MFS Global Total Return Fund	0.77%	+9.77%	+11.16%	+7.16%
VSCGX	VANGUARD LIFESTRATEGY CONSERVATIVE GROWTH FUND	0.12%	+12.46%	+11.66%	+5.67%
GGSPX	Goldman Sachs Growth and Income Strategy Portfolio	0.55%	+11.16%	+15.50%	+8.74%
FAVNX	Fidelity Freedom Index 2035 Fund	0.05%	+12.16%	—	—
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
IMRFX	Columbia Global Opportunities Fund	1.21%	+14.98%	+12.67%	+5.15%
FFFEX	Fidelity Freedom 2030 Fund	0.61%	+11.37%	+15.77%	+8.45%
FAVOX	Fidelity Freedom Index 2040 Fund	0.12%	+14.42%	—	—
VTTSX	VANGUARD TARGET RETIREMENT 2060 FUND	0.08%	+16.05%	+21.03%	+12.19%
MSFKX	MFS Total Return Fund	0.40%	+6.74%	+12.13%	+8.11%
KAGAX	Kensington Dynamic Allocation Fund	1.67%	+42.53%	+15.69%	—
JEPQ	JPMorgan Nasdaq Equity Premium Income ETF	0.35%	+17.15%	+24.50%	—
LFEAX	MFS Lifetime 2035 Fund	1.52%	+11.68%	+13.11%	+9.75%
MLTAX	MFS Lifetime 2030 Fund	0.48%	+9.58%	+10.80%	+7.31%
AAFTX	American Funds 2035 Target Date Retirement Fund	0.67%	+15.82%	+15.87%	+10.58%
FFFFX	Fidelity Freedom 2040 Fund	0.63%	+15.19%	+20.75%	+12.10%
ABWAX	AB All Market Total Return Portfolio	1.14%	+9.05%	+8.63%	+5.25%
FPEFX	First Trust Preferred Securities and Income Fund	1.31%	+8.55%	+9.27%	+4.38%
TCIIX	Nuveen Lifecycle 2035 Fund	0.56%	+9.14%	+12.18%	+7.95%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+12.05%	+11.50%	+7.31%
BLAVX	Lord Abbett Multi-Asset Balanced Opportunity Fund	0.90%	+10.75%	+11.77%	+8.08%
PBAPX	SAM Balanced Portfolio	1.02%	+12.98%	+13.98%	+8.63%
FNNEX	New Economy Fund	0.47%	+19.36%	+21.34%	+11.35%
TLPRX	Nuveen Lifecycle Index 2040 Fund	0.25%	+11.83%	+14.26%	+9.44%
JEPAX	JPMorgan Equity Premium Income Fund	0.45%	+3.75%	+12.41%	+10.04%
CPXFX	Cohen & Steers Preferred Securities & Income Fund, Inc.	0.79%	+6.54%	+8.74%	+3.76%
TCLOX	Nuveen Lifecycle 2040 Fund	0.50%	+9.79%	+13.36%	+8.78%
CIPAX	American Funds Conservative Growth and Income Portfolio	0.88%	+11.79%	+11.52%	+8.53%
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+11.11%	+16.48%	+8.96%
VGLSX	Global Strategy Fund	0.63%	+12.33%	+12.91%	+6.82%
GCBLX	Green Century Balanced Fund	1.46%	+8.54%	+10.44%	+7.51%
FAUYX	Fidelity Freedom Index 2030 Fund	0.05%	+10.81%	—	—
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
PTDAX	Principal LifeTime 2040 Fund	0.76%	+14.17%	+15.18%	+9.97%
MLFAX	MFS Lifetime 2040 Fund	0.81%	+13.28%	+14.80%	+11.11%
VLXVX	VANGUARD TARGET RETIREMENT 2065 FUND	0.08%	+16.03%	+21.03%	+12.20%
TLMPX	Nuveen Lifecycle Index 2045 Fund	0.35%	+12.74%	+15.20%	+10.35%
FFNOX	Fidelity Multi-Asset Index Fund	0.11%	+13.40%	+14.96%	+10.03%
CRAAX	Columbia Adaptive Risk Allocation Fund	0.82%	+8.65%	+6.99%	+4.56%
TAALX	Transamerica Asset Allocation - Moderate Growth Portfolio	1.00%	+17.93%	+16.26%	—
EAAFX	Allspring Asset Allocation Fund	0.75%	+14.98%	+14.21%	+7.56%
GAOPX	Goldman Sachs Balanced Strategy Portfolio	0.61%	+7.68%	+11.75%	+5.92%
RBAIX	T. Rowe Price Balanced Fund, Inc.	0.47%	+11.22%	+16.94%	+9.15%
PAEBX	Putnam Dynamic Asset Allocation Growth Fund	0.68%	+32.47%	+6.87%	+10.02%
FSBLX	Federated Hermes Global Allocation Fund	0.84%	+10.47%	+10.51%	+6.18%
CGLGX	American Funds Growth and Income Portfolio	0.92%	+18.14%	+18.35%	+12.44%
TCHPX	Nuveen Lifecycle 2030 Fund	0.40%	+8.26%	+10.71%	+6.83%
NBGDX	Columbia Capital Allocation Moderate Aggressive Portfolio	0.74%	+17.82%	—	—
TIBOX	Thornburg Investment Income Builder Fund	0.84%	+26.16%	+24.75%	+17.31%
FIWBX	Fidelity Advisor Multi-Asset Income Fund	0.80%	+13.74%	+13.57%	+9.80%
FEIQX	Franklin Equity Income Fund	0.50%	+14.27%	+15.32%	+14.87%
YACKX	AMG Yacktman Fund$1M min	0.62%	+8.31%	+15.32%	+12.76%
TLLIX	Nuveen Lifecycle Index 2050 Fund	0.18%	+13.36%	+15.81%	+10.82%
EDIAX	Eaton Vance Global Income Builder Fund	1.17%	+15.86%	+15.44%	+10.28%
TLYIX	Nuveen Lifecycle Index 2035 Fund	0.18%	+10.73%	+12.86%	+8.37%
PRPDX	Permanent Portfolio	1.06%	+21.67%	+19.48%	+13.49%
PNARX	Spectrum Preferred and Capital Securities Income Fund	1.05%	+6.51%	+6.34%	+2.90%
FCGBX	Templeton Global Balanced Fund	1.46%	+13.07%	+15.43%	+5.12%
PCGJX	SAM Conservative Growth Portfolio	0.94%	+15.17%	+16.87%	+11.41%
CVLCX	Calamos Global Opportunities Fund	1.22%	+18.81%	+18.75%	+11.10%
GARUX	Goldman Sachs Absolute Return Tracker Fund	0.73%	+6.83%	+9.98%	+6.37%

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