TANDX

ActiveMin. $1M

Castle Tandem Fund

Category: Other (5,046 funds)

Expense Ratio

0.66%

Annual Cost per $10K

$66.00

30-Year Fee Drag per $10K

$12,896

at 7% annual return

Fund Type

Mutual Fund

Active · Min: $1M

Trailing 12-Month

+3.16%

Asset Allocation

US Equity

69%

Intl Equity

11%

US Bond

14%

Cash

Fee Comparison

TANDX

0.66%

Other average

0.99%

Other cheapest

FCDSX

0.00%

Index benchmark

0.03%

33% cheaper than category average

Historical Returns

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

+25.74%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

TANDX at 0.66%$316,133

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$64,480

Cost vs index fund−$61,291

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
TANDX	Castle Tandem Fund	0.66%	+3.16%	+7.93%	+8.06%
AAFTX	American Funds 2035 Target Date Retirement Fund	0.67%	+15.82%	+15.87%	+10.58%
AAETX	American Funds 2030 Target Date Retirement Fund	0.66%	+14.18%	+13.98%	+9.03%
CIPAX	American Funds Conservative Growth and Income Portfolio	0.88%	+11.79%	+11.52%	+8.53%
PPIPX	T. Rowe Price Spectrum Conservative Allocation Fund	0.56%	+7.96%	+9.01%	+5.30%
AAGTX	American Funds 2040 Target Date Retirement Fund	0.68%	+18.44%	+18.13%	+12.03%
FEEFX	American Funds Fundamental Investors	0.34%	+22.26%	+24.11%	+17.45%
TPPAX	T. Rowe Price Spectrum Moderate Allocation Fund	0.62%	+9.14%	+11.03%	+6.76%
VWENX	VANGUARD WELLINGTON FUND	0.17%	+12.65%	+13.05%	+9.43%
CGLGX	American Funds Growth and Income Portfolio	0.92%	+18.14%	+18.35%	+12.44%
DOXGX	Dodge & Cox Stock Fund	0.41%	+11.62%	+15.65%	—
JEPI	JPMorgan Equity Premium Income ETF	0.35%	+5.28%	+10.32%	+10.93%
CTAKX	American Funds College 2036 Fund	0.43%	+16.21%	+17.43%	+10.67%
AAHTX	American Funds 2045 Target Date Retirement Fund	0.69%	+19.32%	+18.79%	+12.39%
IRGPX	Voya Retirement Aggressive Portfolio	0.60%	+15.01%	+15.93%	+10.66%
GARUX	Goldman Sachs Absolute Return Tracker Fund	0.73%	+9.45%	+9.32%	+6.69%
AADTX	American Funds 2025 Target Date Retirement Fund	0.63%	+12.54%	+12.24%	+7.76%
AALTX	American Funds 2050 Target Date Retirement Fund	0.69%	+19.54%	+19.11%	+12.43%
FCFWX	American Funds Retirement Income Portfolio - Enhanced	1.14%	+14.79%	+14.11%	+10.22%
TRAIX	T. Rowe Price Capital Appreciation Fund	0.58%	+11.52%	+14.47%	+11.39%
FBFWX	American Funds Retirement Income Portfolio - Moderate	1.24%	+12.91%	+11.91%	+8.18%
SWHGX	Schwab MarketTrack Growth Portfolio	0.50%	+16.79%	+16.19%	+12.22%
IWM	iShares Russell 2000 ETF	0.19%	+11.59%	+10.92%	+10.83%
FMSHX	Franklin Mutual Shares Fund	0.70%	+9.29%	+12.67%	+13.32%
BLPAX	American Funds Moderate Growth and Income Portfolio	0.93%	+15.22%	+14.72%	+9.87%
JEPQ	JPMorgan Nasdaq Equity Premium Income ETF	0.35%	+17.57%	+23.05%	—
IAGAX	VOYA SOLUTION MODERATELY AGGRESSIVE PORTFOLIO	0.74%	+14.17%	+15.46%	+10.72%
VGHAX	VANGUARD HEALTH CARE FUND	0.32%	+0.60%	+5.36%	+6.99%
MACBX	MFS Conservative Allocation Fund	0.83%	+5.79%	+6.88%	+3.65%
TIBOX	Thornburg Investment Income Builder Fund	0.84%	+30.88%	+23.10%	+18.21%
TGIPX	T. Rowe Price Spectrum Moderate Growth Allocation Fund	0.64%	+10.57%	+13.30%	+8.45%
PODAX	Aristotle Portfolio Optimization Growth Fund	1.09%	+13.51%	—	—
AAMTX	American Funds 2055 Target Date Retirement Fund	0.70%	+19.98%	+19.47%	+12.48%
ACSHX	Invesco Comstock Fund	0.51%	+12.71%	+14.13%	+19.36%
FSELX	Select Semiconductors Portfolio	0.62%	+22.66%	+41.82%	+31.05%
REMIX	STANDPOINT MULTI-ASSET FUND	1.26%	+3.16%	+5.76%	+11.21%
FEIQX	Franklin Equity Income Fund	0.50%	+14.27%	+15.32%	+14.87%
VGSTX	VANGUARD STAR FUND	0.30%	+14.24%	+14.63%	+8.34%
JEPAX	JPMorgan Equity Premium Income Fund	0.45%	+4.61%	+9.72%	+10.32%
FTCFX	American Funds College 2033 Fund	0.39%	+12.98%	+13.82%	+8.49%
CGIOX	Calamos Growth & Income Fund	0.73%	+22.36%	+19.50%	+14.61%
IBB	iShares Biotechnology ETF	0.44%	+0.30%	+3.23%	+1.75%
SMH	VanEck Semiconductor ETF	0.35%	+39.08%	+53.44%	+31.66%
AXBAX	Columbia Capital Allocation Aggressive Portfolio	1.03%	+19.92%	+18.54%	+12.03%
AANTX	American Funds 2060 Target Date Retirement Fund	0.72%	+20.06%	+19.55%	+12.48%
FGIDX	Fidelity Growth and Income Portfolio	0.46%	—	—	—
FGLGX	Fidelity Series Large Cap Stock Fund	0.00%	+27.61%	+26.11%	+23.22%
SOXX	iShares Semiconductor ETF	0.34%	+27.12%	+37.39%	+23.11%
FDVLX	Fidelity Value Fund	0.68%	+5.77%	+11.81%	+16.66%
AACTX	American Funds 2020 Target Date Retirement Fund	0.61%	+12.05%	+11.50%	+7.31%
MLLAX	MFS Lifetime Income Fund	0.44%	+8.10%	+8.56%	+4.47%
ACIIX	Equity Income Fund	0.59%	+7.73%	+9.09%	+9.97%
TRMIX	T. Rowe Price Mid-Cap Value Fund, Inc.	0.71%	+4.94%	+14.34%	+15.79%
VRRKX	VOYA TARGET RETIREMENT 2040 FUND	0.61%	+11.90%	+13.88%	+10.59%
CGPAX	American Funds Growth Portfolio	0.99%	+22.86%	+23.13%	+13.61%
AABCX	Putnam Dynamic Asset Allocation Balanced Fund	0.71%	+14.50%	+17.97%	+8.43%
LLMSX	Franklin Multi-Asset Moderate Growth Fund	0.70%	—	—	—
WFPRX	Allspring Special Mid Cap Value Fund	0.70%	+4.11%	+10.49%	+8.18%
GMWZX	MyDestination 2025 Fund	0.75%	+11.58%	+11.82%	+6.82%
FEIKX	Fidelity Equity-Income Fund	0.46%	+13.05%	+14.27%	+15.42%
PAEBX	Putnam Dynamic Asset Allocation Growth Fund	0.68%	+32.47%	+6.87%	+10.02%
FETKX	Fidelity Equity Dividend Income Fund	0.46%	+5.72%	+12.25%	+13.37%
FCAGX	Fidelity Small Cap Growth Fund	0.92%	-11.50%	-33.45%	-40.48%
MERFX	The Merger Fund	1.56%	-3.52%	-35.79%	-33.41%
ACEIX	Invesco Equity and Income Fund	0.76%	+9.14%	+10.33%	+10.51%
MIGNX	MFS Massachusetts Investors Growth Stock Fund	0.37%	+8.71%	+15.11%	+11.78%
GMTZX	MyDestination 2015 Fund	0.75%	+10.19%	+10.35%	+5.45%
MAMAX	MFS Moderate Allocation Fund	0.56%	+8.47%	+9.69%	+6.27%
FSPHX	Select Health Care Portfolio	0.63%	-7.78%	+4.19%	+3.06%
IWO	iShares Russell 2000 Growth ETF	0.24%	+13.49%	+12.64%	+7.89%
FVD	First Trust Value Line Dividend Index Fund	0.61%	+5.42%	+8.35%	+10.29%
MVALX	Meridian Contrarian Fund	1.12%	+19.82%	+12.36%	+13.55%
FBIOX	Select Biotechnology Portfolio	0.63%	-2.61%	+9.74%	+2.99%
LCBEX	ClearBridge Dividend Strategy Fund	0.66%	+12.74%	+15.51%	+14.91%
FNKLX	Fidelity Series Value Discovery Fund	0.00%	+9.43%	+9.60%	+13.26%
GSKPX	Goldman Sachs Tax-Advantaged Global Equity Portfolio	1.22%	+14.09%	+16.67%	+12.41%
STFBX	State Farm Balanced Fund	0.14%	+12.08%	+13.44%	—
LTTAX	MFS Lifetime 2025 Fund	0.95%	+8.16%	+9.06%	+5.28%
GQEFX	GMO Quality Fund	0.42%	+8.51%	+19.43%	+14.77%
FIQWX	Fidelity Strategic Dividend and Income Fund	0.56%	+7.94%	+10.11%	+9.25%
ISPDX	VOYA SOLUTION 2045 PORTFOLIO	1.16%	+17.65%	+17.85%	+11.93%
FFDKX	Fidelity Fund	0.42%	+19.09%	+24.15%	+16.34%
VVOAX	Invesco Value Opportunities Fund	1.27%	+18.64%	+20.63%	+24.43%
BTBFX	Boston Trust Asset Management Fund	0.80%	+7.18%	+10.63%	+8.93%
EKBDX	Allspring Diversified Capital Builder Fund	1.01%	+12.78%	+21.90%	+12.65%
FACDX	Fidelity Advisor Health Care Fund	0.68%	-17.79%	-39.08%	-43.42%
FTDHX	American Funds College 2039 Fund	0.45%	+19.15%	+19.83%	—
MLTAX	MFS Lifetime 2030 Fund	0.48%	+9.58%	+10.80%	+7.31%
RPFCX	Davis Balanced Fund	0.98%	+17.64%	+19.14%	+15.17%
HBADX	HARTFORD MODERATE ALLOCATION FUND	0.67%	+14.97%	+14.19%	+8.51%
AALRX	American Beacon Large Cap Value Fund	0.62%	+9.19%	+13.80%	+16.22%
POSKX	PRIMECAP Odyssey Stock Fund	0.67%	+21.63%	+19.53%	+17.10%
FGRCX	Fidelity Mega Cap Stock Fund	0.47%	+20.33%	+13.65%	+9.69%
PHLQX	PGIM Jennison Health Sciences Fund	0.77%	-11.75%	+9.44%	+6.55%
IOO	iShares Global 100 ETF	0.40%	+24.84%	+25.26%	+18.96%
FELAX	Fidelity Advisor Semiconductors Fund	0.69%	+22.24%	-9.07%	-26.50%
PNSAX	Putnam Small Cap Growth Fund	1.17%	+16.26%	+22.02%	+8.87%
AACSX	One Choice Blend+ 2040 Portfolio	0.59%	+15.72%	+14.83%	—
IXN	iShares Global Tech ETF	0.39%	+30.64%	+32.83%	+20.92%
FHZTX	Fidelity Large Cap Stock Fund	1.02%	—	—	—
FSOPX	Fidelity Series Small Cap Opportunities Fund	0.00%	+10.31%	+14.88%	+14.45%

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