TLRCX

Active

Federated Hermes Total Return Bond Fund

Category: Other (5,046 funds)

Expense Ratio

1.48%

Annual Cost per $10K

$148.00

30-Year Fee Drag per $10K

$25,999

at 7% annual return

Fund Type

Mutual Fund

Active

Trailing 12-Month

+2.40%

Asset Allocation

US Equity

34%

US Bond

62%

Intl Bond

Cash

Fee Comparison

TLRCX

1.48%

Other average

0.99%

Other cheapest

FCDSX

0.00%

Index benchmark

0.03%

49% more expensive than category average

Historical Returns

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

+6.36%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

TLRCX at 1.48%$250,619

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$129,994

Cost vs index fund−$126,806

Similar Funds (100)

Ranked by allocation similarity weighted by fund size · Returns (dividends reinvested) from SEC N-PORT filings · As of August 2025

Ticker	Name	ER	1yr	3yr	5yr
TLRCX	Federated Hermes Total Return Bond Fund	1.48%	+2.40%	+2.08%	-0.88%
FPCIX	Strategic Advisers Core Income Fund	0.33%	+3.89%	+3.62%	-0.16%
FTRLX	Federated Hermes Total Return Bond Fund	0.38%	+3.59%	+3.16%	+0.18%
FBAKX	Fidelity Balanced Fund	0.46%	+11.35%	+14.26%	+10.21%
FNCFX	Franklin Income Fund	0.41%	+7.61%	+8.92%	+9.46%
VWIAX	VANGUARD WELLESLEY INCOME FUND	0.16%	+6.61%	+7.12%	+4.87%
FIKMX	Fidelity Real Estate Income Fund	0.66%	+5.20%	+5.85%	+6.60%
CVSCX	Calamos Market Neutral Income Fund	1.97%	+6.09%	+6.33%	+3.72%
FPUKX	Fidelity Puritan Fund	0.47%	+10.50%	+14.48%	+9.65%
AZNAX	Virtus Income & Growth Fund	1.14%	-11.62%	-34.42%	-34.38%
ABALX	American Balanced Fund	0.58%	+13.14%	+13.38%	+9.37%
FSMUX	Strategic Advisers Municipal Bond Fund	0.19%	-0.43%	+2.92%	—
FIWGX	Strategic Advisers Fidelity Core Income Fund	0.16%	+3.62%	+3.67%	+0.28%
SBFCX	Victory Investment Grade Convertible Fund	1.10%	+6.09%	+6.03%	+7.06%
FAGIX	Fidelity Capital and Income Fund	0.90%	+11.58%	+10.55%	+8.10%
FBFRX	Franklin Managed Income Fund	0.59%	+4.83%	+7.31%	+6.94%
MSTRX	Morningstar Total Return Bond Fund$1M min	0.55%	+2.62%	+2.69%	-1.18%
DOXBX	Dodge & Cox Balanced Fund	0.43%	+9.89%	+11.87%	—
PBXAX	Rational/Pier 88 Convertible Securities Fund	1.24%	+3.67%	+3.61%	+3.52%
SEIAX	SIIT MULTI-ASSET REAL RETURN FUND	0.55%	+5.87%	+3.19%	+6.58%
DMSZX	Destinations Multi Strategy Alternatives Fund	1.32%	+4.35%	+7.77%	+6.14%
DDERX	Macquarie Wealth Builder Fund	0.74%	+7.71%	—	—
QBA2Q	VIP Balanced Portfolio	0.50%	+10.93%	+13.85%	+9.85%
WHGOX	WESTWOOD INCOME OPPORTUNITY FUND	0.72%	+7.41%	—	—
FPIOX	Strategic Advisers Income Opportunities Fund	0.53%	+8.90%	+8.92%	+5.18%
VTMFX	VANGUARD TAX-MANAGED BALANCED FUND	0.09%	+8.41%	+10.84%	+7.44%
FSAWX	Fidelity SAI Convertible Arbitrage Fund	1.46%	+11.63%	—	—
FMUAX	Federated Hermes Muni and Stock Advantage Fund	0.99%	+4.88%	+7.39%	+5.37%
GDMZX	Defensive Market Strategies Fund	0.92%	+7.88%	+9.30%	+6.88%
TAIAX	American Funds Tax-Aware Conservative Growth and Income Portfolio	0.66%	+8.08%	+10.47%	+7.30%
FBKFX	Fidelity Balanced K6 Fund	0.32%	+11.36%	+14.42%	+10.40%
MAGS	Roundhill Magnificent Seven ETF	0.29%	+35.10%	—	—
FPKFX	Fidelity Puritan K6 Fund	0.33%	+10.06%	+14.35%	+9.57%
NCBIX	New Covenant Balanced Income Fund	0.94%	+9.24%	+12.37%	+5.61%
MWTNX	TCW METWEST TOTAL RETURN BOND FUND	0.57%	+2.73%	+2.67%	-1.05%
PFIFX	SAM Flexible Income Portfolio	1.80%	+6.14%	+6.62%	+3.59%
PLFJX	Principal LifeTime 2020 Fund	0.76%	+7.43%	+8.59%	+5.24%
FAUDX	Strategic Advisers Short Duration Fund	0.20%	+5.04%	+5.12%	+2.85%
YMAX	Yieldmax Universe Fund Of Option Income ETF	1.28%	+25.72%	—	—
WBALX	Conservative Allocation Fund	0.85%	+2.55%	+6.70%	+5.23%
IRCAX	VOYA RETIREMENT CONSERVATIVE PORTFOLIO	0.62%	+5.79%	+6.08%	+3.02%
EARRX	Short Duration Inflation-Protected Income Fund	1.10%	+6.70%	+4.81%	+4.77%
HCYAX	Hilton Tactical Income Fund	1.29%	+5.61%	+6.82%	+5.71%
CFIAX	Columbia Flexible Capital Income Fund	0.83%	+10.40%	+8.81%	+8.95%
FORKX	Abraham Fortress Fund	0.74%	+1.34%	+6.22%	—
CNSAX	Invesco Convertible Securities Fund	0.67%	+16.22%	+8.66%	+6.28%
UGTAX	Victory Growth and Tax Strategy Fund	0.54%	+6.27%	+10.19%	+6.63%
FTRB	Federated Hermes Total Return Bond ETF	0.39%	+3.48%	—	—
PALTX	Principal LifeTime Strategic Income Fund	1.06%	+6.69%	+7.47%	+3.37%
FFFCX	Fidelity Freedom 2010 Fund	0.46%	+6.88%	+7.06%	+3.91%
HBLFX	THE HARTFORD BALANCED INCOME FUND	0.56%	+6.93%	+8.00%	+5.85%
VTINX	VANGUARD TARGET RETIREMENT INCOME FUND	0.08%	+7.91%	+7.75%	+4.07%
TLWIX	Nuveen Lifecycle Index 2020 Fund	0.35%	+8.50%	+9.62%	+5.73%
FIQVX	Fidelity Convertible Securities Fund	0.60%	+19.13%	+11.26%	+9.04%
VTWNX	VANGUARD TARGET RETIREMENT 2020 FUND	0.08%	+8.50%	+8.98%	+5.38%
IIFAX	Voya Balanced Income Portfolio	1.21%	+10.05%	+9.57%	+6.21%
FFFAX	Fidelity Freedom Retirement Fund	0.24%	+6.34%	+6.00%	+2.86%
COTDX	Columbia Thermostat Fund	0.61%	—	—	—
GABCX	The Gabelli ABC Fund	0.87%	+8.03%	+7.19%	+5.07%
PWTAX	UBS U.S. Allocation Fund	1.03%	+9.50%	+11.68%	+8.52%
GLRBX	JAMES BALANCED: GOLDEN RAINBOW FUND	1.23%	+7.88%	+10.92%	+6.61%
DOGG	FT Vest DJIA Dogs 10 Target Income ETF	0.75%	+5.58%	—	—
ABDAX	Columbia Capital Allocation Conservative Portfolio	0.94%	+6.00%	+6.26%	+2.43%
FAHDX	Fidelity Advisor Capital and Income Fund	1.18%	-12.99%	-26.88%	-30.70%
FCSKX	Franklin Convertible Securities Fund	0.51%	+16.32%	+11.23%	+7.55%
FATYX	Fidelity Freedom Index 2020 Fund	0.05%	+8.40%	—	—
TLQIX	Nuveen Lifecycle Index 2025 Fund	0.10%	+8.99%	+10.42%	+6.46%
GGKPX	Goldman Sachs Income Builder Fund	0.48%	+8.04%	+9.88%	+7.06%
MBERX	NYLI Balanced Fund	0.74%	+5.91%	+7.82%	+8.39%
IRMPX	VOYA RETIREMENT MODERATE PORTFOLIO	0.61%	+7.78%	+8.28%	+5.48%
TLFIX	Nuveen Lifecycle Index 2015 Fund	0.25%	+7.98%	+8.95%	+5.22%
CAIBX	Capital Income Builder	0.58%	+13.12%	+12.52%	+9.64%
FFOYX	Fidelity Freedom 2015 Fund	0.45%	—	—	—
PCBFX	SAM Conservative Balanced Portfolio	0.87%	+7.59%	+8.64%	+5.22%
SWCGX	Schwab MarketTrack Conservative Portfolio	0.50%	+7.20%	+8.08%	+4.67%
EARAX	Eaton Vance All Asset Strategy Fund	1.12%	+6.05%	+6.03%	+2.88%
RBBAX	Columbia Income Builder Fund	0.97%	+6.61%	+6.54%	+3.86%
TCLTX	Nuveen Lifecycle 2020 Fund	0.54%	+7.17%	+8.70%	+5.23%
TGPCX	TCW Conservative Allocation Fund	1.12%	+5.31%	+8.27%	+4.69%
ISFAX	Lord Abbett Multi-Asset Income Fund	1.39%	+8.01%	+8.45%	+5.38%
PHJTX	Principal LifeTime Hybrid 2020 Fund	0.48%	+7.70%	+8.76%	+5.52%
TLTIX	Nuveen Lifecycle Index 2010 Fund	0.18%	+7.45%	+8.28%	+4.71%
TCFPX	Nuveen Lifecycle 2015 Fund	0.37%	+7.02%	+8.21%	+4.91%
TCLEX	Nuveen Lifecycle 2010 Fund	0.51%	+6.85%	+7.92%	+4.56%
WSDAX	WESTWOOD MULTI-ASSET INCOME FUND	0.89%	-8.31%	-19.23%	—
FATVX	Fidelity Freedom Index 2015 Fund	0.04%	+7.49%	—	—
SBTTX	Tax-Aware Overlay B Portfolio	0.76%	+5.02%	+5.76%	+3.71%
PONAX	PIMCO Income Fund	1.23%	+7.41%	+6.77%	+3.71%
SSBIX	State Street Balanced Index Fund	0.05%	+10.32%	—	—
CAARX	Calvert Conservative Allocation Fund	0.67%	+6.22%	+7.41%	—
PVCMX	Palm Valley Capital Fund	1.26%	+4.05%	+6.70%	+5.54%
RIOX	Defiance Daily Target 2X Long RIOT ETF	0.95%	—	—	—
ICGAX	VOYA SOLUTION CONSERVATIVE PORTFOLIO	0.64%	+5.84%	+5.88%	+3.37%
LTPDX	Principal LifeTime 2025 Fund	0.52%	+7.78%	+9.25%	+5.94%
GPRF	Goldman Sachs Access U.S. Preferred Stock and Hybrid Securities ETF	0.45%	+5.28%	—	—
TLIPX	Nuveen Lifecycle Index Retirement Income Fund	0.10%	+7.89%	+8.62%	+4.81%
IONX	Defiance Daily Target 2X Long IONQ ETF	—	—	—	—
PHJMX	Principal LifeTime Hybrid 2015 Fund	0.36%	+7.08%	+7.92%	+4.64%
NTBAX	Navigator Tactical Fixed Income Fund	1.32%	+1.84%	+6.45%	+3.14%
TAAJX	Transamerica Asset Allocation - Conservative Portfolio	0.91%	+7.89%	+8.25%	—
FPFRX	FPA Crescent Fund	1.06%	+15.32%	—	—

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