WBAIX

ActiveMin. $1M

Conservative Allocation Fund

Category: Balanced (1,430 funds)

Expense Ratio

0.85%

Annual Cost per $10K

$85.00

30-Year Fee Drag per $10K

$16,199

at 7% annual return

Fund Type

Mutual Fund

Active · Min: $1M

Trailing 12-Month

+2.66%

Asset Allocation

US Equity

35%

Intl Equity

US Bond

54%

Cash

Other

Fee Comparison

WBAIX

0.85%

Balanced average

0.85%

Balanced cheapest

FELSX

0.00%

Index benchmark

0.03%

0% cheaper than category average

Historical Returns

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

+24.37%3Y

Compare to

Fee Impact Calculator

Investment

Years

Annual Return

WBAIX at 0.85%$299,619

At index rates (0.03%)$377,424

Zero fees (theoretical)$380,613

Total fee drag$80,993

Cost vs index fund−$77,805

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
WBAIX	Conservative Allocation Fund	0.85%	+2.66%	+7.54%	+5.59%
FBAKX	Fidelity Balanced Fund	0.46%	+11.35%	+14.26%	+10.21%
ABALX	American Balanced Fund	0.58%	+16.02%	+15.46%	+10.83%
VWIAX	VANGUARD WELLESLEY INCOME FUND	0.16%	+8.11%	+8.65%	+5.49%
FPUKX	Fidelity Puritan Fund	0.47%	+10.50%	+14.48%	+9.65%
FIKMX	Fidelity Real Estate Income Fund	0.66%	+5.12%	+8.53%	+7.03%
FPCIX	Strategic Advisers Core Income Fund	0.33%	+3.89%	+3.62%	-0.16%
FNCFX	Franklin Income Fund	0.41%	+9.26%	+10.15%	+10.23%
FTRLX	Federated Hermes Total Return Bond Fund	0.38%	+3.59%	+3.16%	+0.18%
WBALX	Conservative Allocation Fund	0.85%	+2.47%	+7.35%	+5.42%
DOXBX	Dodge & Cox Balanced Fund	0.43%	+12.15%	+13.26%	—
FBFRX	Franklin Managed Income Fund	0.59%	+5.98%	+8.38%	+7.62%
AZNAX	Virtus Income & Growth Fund	1.14%	-0.54%	-30.95%	-33.76%
TAIAX	American Funds Tax-Aware Conservative Growth and Income Portfolio	0.66%	+11.96%	+12.92%	+8.66%
QBA2Q	VIP Balanced Portfolio	0.50%	+13.80%	+16.29%	+11.31%
FAGIX	Fidelity Capital and Income Fund	0.90%	+12.77%	+12.18%	+9.03%
CVSCX	Calamos Market Neutral Income Fund	1.97%	+6.47%	+7.07%	+4.09%
VTMFX	VANGUARD TAX-MANAGED BALANCED FUND	0.09%	+11.07%	+12.90%	+8.69%
FBKFX	Fidelity Balanced K6 Fund	0.32%	+11.36%	+14.42%	+10.40%
DDERX	Macquarie Wealth Builder Fund	0.74%	+7.71%	—	—
WHGOX	WESTWOOD INCOME OPPORTUNITY FUND	0.72%	+10.87%	+9.02%	—
MAGS	Roundhill Magnificent Seven ETF	0.29%	+38.10%	—	—
PLFJX	Principal LifeTime 2020 Fund	0.76%	+10.12%	+10.67%	+6.20%
TLWIX	Nuveen Lifecycle Index 2020 Fund	0.35%	+8.50%	+9.62%	+5.73%
TLQIX	Nuveen Lifecycle Index 2025 Fund	0.10%	+8.99%	+10.42%	+6.46%
FPKFX	Fidelity Puritan K6 Fund	0.33%	+10.06%	+14.35%	+9.57%
IRMPX	VOYA RETIREMENT MODERATE PORTFOLIO	0.61%	+10.36%	+10.52%	+5.89%
FMUAX	Federated Hermes Muni and Stock Advantage Fund	0.99%	+9.33%	+9.97%	+6.69%
DMSZX	Destinations Multi Strategy Alternatives Fund	1.32%	+4.35%	+7.77%	+6.14%
MSTRX	Morningstar Total Return Bond Fund$1M min	0.55%	+5.86%	+5.60%	-0.75%
HBLFX	THE HARTFORD BALANCED INCOME FUND	0.56%	+7.51%	+9.23%	+6.46%
CFIAX	Columbia Flexible Capital Income Fund	0.83%	+10.40%	+8.81%	+8.95%
CAIBX	Capital Income Builder	0.58%	+15.51%	+14.04%	+11.04%
GABCX	The Gabelli ABC Fund	0.87%	+6.30%	+6.92%	+5.00%
FPIOX	Strategic Advisers Income Opportunities Fund	0.53%	+8.90%	+8.92%	+5.18%
SWCGX	Schwab MarketTrack Conservative Portfolio	0.50%	+11.11%	+10.57%	+5.76%
COTDX	Columbia Thermostat Fund	0.61%	+14.43%	—	—
FSMUX	Strategic Advisers Municipal Bond Fund	0.19%	-0.43%	+2.92%	—
VTWNX	VANGUARD TARGET RETIREMENT 2020 FUND	0.08%	+10.94%	+11.19%	+6.33%
EARAX	Eaton Vance All Asset Strategy Fund	1.12%	+6.05%	+6.03%	+2.88%
TCLTX	Nuveen Lifecycle 2020 Fund	0.54%	+7.17%	+8.70%	+5.23%
FATYX	Fidelity Freedom Index 2020 Fund	0.05%	+11.61%	—	—
UGTAX	Victory Growth and Tax Strategy Fund	0.54%	+6.27%	+10.19%	+6.63%
LTPDX	Principal LifeTime 2025 Fund	0.52%	+10.91%	+11.48%	+7.06%
SWYDX	Schwab Target 2025 Index Fund	0.08%	+11.16%	+12.18%	+7.31%
GLRBX	JAMES BALANCED: GOLDEN RAINBOW FUND	1.23%	+11.64%	+12.57%	+7.94%
PHJTX	Principal LifeTime Hybrid 2020 Fund	0.48%	+11.31%	+11.12%	+6.64%
IRCAX	VOYA RETIREMENT CONSERVATIVE PORTFOLIO	0.62%	+8.02%	+8.18%	+3.33%
HCYAX	Hilton Tactical Income Fund	1.29%	+5.61%	+6.82%	+5.71%
VTINX	VANGUARD TARGET RETIREMENT INCOME FUND	0.08%	+10.10%	+9.80%	+4.76%
FATZX	Fidelity Freedom Index 2025 Fund	0.05%	+13.00%	—	—
PHJQX	Principal LifeTime Hybrid 2025 Fund	0.32%	+12.27%	+12.11%	+7.69%
PBXAX	Rational/Pier 88 Convertible Securities Fund	1.24%	+1.36%	+3.92%	+3.79%
TLFIX	Nuveen Lifecycle Index 2015 Fund	0.25%	+7.98%	+8.95%	+5.22%
FFOYX	Fidelity Freedom 2015 Fund	0.45%	—	—	—
FPFRX	FPA Crescent Fund	1.06%	+17.01%	—	—
VTTVX	VANGUARD TARGET RETIREMENT 2025 FUND	0.08%	+13.31%	+13.31%	+7.78%
TCFPX	Nuveen Lifecycle 2015 Fund	0.37%	+7.02%	+8.21%	+4.91%
SWYLX	Schwab Target 2020 Index Fund	0.08%	+10.83%	+11.37%	+6.23%
FFFCX	Fidelity Freedom 2010 Fund	0.46%	+9.58%	+9.50%	+4.63%
FATKX	Fidelity Freedom 2020 Fund	0.28%	+12.90%	+12.70%	+7.02%
PWTAX	UBS U.S. Allocation Fund	1.03%	+9.50%	+11.68%	+8.52%
SWHRX	Schwab Target 2025 Fund	0.32%	+12.29%	+12.60%	+7.24%
TCLFX	Nuveen Lifecycle 2025 Fund	0.47%	+7.50%	+9.47%	+5.87%
NCBIX	New Covenant Balanced Income Fund	0.94%	+10.92%	+12.26%	+5.09%
ABDAX	Columbia Capital Allocation Conservative Portfolio	0.94%	+9.85%	+9.00%	+3.36%
PCBFX	SAM Conservative Balanced Portfolio	0.87%	+10.79%	+11.18%	+6.23%
SWCRX	Schwab Target 2020 Fund	0.28%	+11.79%	+11.78%	+6.14%
FAUDX	Strategic Advisers Short Duration Fund	0.20%	+5.04%	+5.12%	+2.85%
FIWGX	Strategic Advisers Fidelity Core Income Fund	0.16%	+3.62%	+3.67%	+0.28%
PRCHX	T. Rowe Price Capital Appreciation and Income Fund	0.49%	+10.29%	—	—
TLHIX	Nuveen Lifecycle Index 2030 Fund	0.25%	+9.89%	+11.56%	+7.37%
PLTJX	Principal LifeTime 2030 Fund	0.79%	+12.03%	+12.82%	+8.12%
MBERX	NYLI Balanced Fund	0.74%	+6.83%	+8.19%	+8.92%
FAHDX	Fidelity Advisor Capital and Income Fund	1.18%	-4.65%	-23.77%	-28.98%
CAARX	Calvert Conservative Allocation Fund	0.67%	+8.90%	+9.69%	—
QCSCIX	College Retirement Equities Fund - Social Choice Account	—	+12.62%	+13.37%	+8.38%
IIIPX	VOYA INDEX SOLUTION INCOME PORTFOLIO	0.20%	+9.85%	+9.68%	+4.54%
TLIPX	Nuveen Lifecycle Index Retirement Income Fund	0.10%	+7.89%	+8.62%	+4.81%
FTFCX	American Funds College 2030 Fund	0.35%	+10.25%	+10.58%	+6.69%
PALTX	Principal LifeTime Strategic Income Fund	1.06%	+9.19%	+9.49%	+4.04%
AAATX	American Funds 2010 Target Date Retirement Fund	0.59%	+10.80%	+10.21%	+6.55%
SSBIX	State Street Balanced Index Fund	0.05%	+13.08%	—	—
IJKBX	VOYA SOLUTION INCOME PORTFOLIO	1.08%	+9.17%	+9.32%	+4.38%
TAAJX	Transamerica Asset Allocation - Conservative Portfolio	0.91%	+11.91%	+10.75%	—
PMEFX	Penn Mutual AM 1847 Income Fund	0.65%	+8.41%	+11.72%	+8.10%
TCLEX	Nuveen Lifecycle 2010 Fund	0.51%	+6.85%	+7.92%	+4.56%
FFFAX	Fidelity Freedom Retirement Fund	0.24%	+8.67%	+8.22%	+3.40%
JBAWX	Balanced Fund	0.62%	+17.64%	+16.24%	+10.38%
TLIRX	Nuveen Lifecycle Retirement Income Fund	0.45%	+6.81%	+7.92%	+4.54%
SEIAX	SIIT MULTI-ASSET REAL RETURN FUND	0.55%	+5.87%	+3.19%	+6.58%
FAUYX	Fidelity Freedom Index 2030 Fund	0.05%	+14.06%	—	—
FATVX	Fidelity Freedom Index 2015 Fund	0.04%	+10.13%	—	—
MNMWX	Pro-Blend Moderate Term Series	0.10%	+8.34%	+10.36%	+5.84%
PHJMX	Principal LifeTime Hybrid 2015 Fund	0.36%	+10.39%	+10.17%	+5.63%
TLTIX	Nuveen Lifecycle Index 2010 Fund	0.18%	+7.45%	+8.28%	+4.71%
ISFAX	Lord Abbett Multi-Asset Income Fund	1.39%	+8.01%	+8.45%	+5.38%
FFCTX	American Funds College 2027 Fund	0.33%	+8.18%	+8.10%	+4.57%
FDTKX	Fidelity Freedom 2025 Fund	0.59%	+14.38%	+14.00%	+8.03%
GDMZX	Defensive Market Strategies Fund	0.92%	+9.49%	+10.44%	+7.74%
LMGSX	Franklin Multi-Asset Defensive Growth Fund	0.74%	—	—	—

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