Top Balanced Funds
Conservative allocation mutual funds are part of balanced mutual funds. These investment funds invest in bonds and stocks. Typically the bond portion (50%-80%) is larger than the stock portion (20%-50%). These means the conservative allocation portfolios will hold smaller positions in stocks than moderate allocation portfolios. These portfolios seek to provide both capital growth and income.You can buy these top mutual funds for your brokerage account, retirement account (IRA), and 401k account. The minimum initial funding may be as little as $100 for retirement account. These top conservative allocation mutual funds 2015 are sorted based on its 10 years performance up to April 2015. You can find the fund review below as well.
Best ranked conservative allocation mutual funds 2015 are:
- Berwyn Income Fund (BERIX)
- James Balanced Golden Rainbow Fund Retail Class (GLRBX)
- Vanguard Wellesley Income Fund Investor Shares (VWINX)
- Franklin Income Fund Class A (FKINX)
- Permanent Portfolio Fund (PRPFX)
- Federated Capital Income Fund Class A Shares (CAPAX)
- Goldman Sachs Income Builder Fund Class A (GSBFX)
- T. Rowe Price Personal Strategy Income Fund (PRSIX)
- API Efficient Frontier Income Fund Class A (APIUX)
- Columbia Thermostat Fund Class A (CTFAX)
- USAA Growth and Tax Strategy Fund (USBLX)
- MainStay Conservative Allocation Fund Class A (MCKAX)
- Thrivent Diversified Income Plus Fund Class A (AAHYX)
- Delaware Foundation Conservative Allocation Class A (DFIAX)
- Principal Strategic Asset Management Conservative Balanced Fund Class A (SAIPX)
- MFS Conservative Allocation Fund Class A (MACFX)
- Columbia Capital Allocation Moderate Conservative Portfolio Class A (NLGAX)
- Transamerica Asset Allocation Moderate Portfolio Class A (IMOAX)
- American Century One Choice Portfolio: Conservative Investor Class (AOCIX)
Berwyn Income Fund
This Berwyn Income fund use its assets to purchase corporate bonds, U.S. Treasury bills, bonds and notes, debt securities issued by U.S. government agencies, preferred stocks, asset-backed securities, mortgage-backed securities, municipal bonds and dividend-paying common stocks. The current yield is 2.35%. The total net assets are $2.5 billion. Its expense fee is 0.61%.More: Top Conservative Allocation Mutual Funds 2014
Morningstar has ranked this mutual fund with 5 star & silver rating. For the past decade, it has an average return of 7.65%. The past 5 year performance is as follows:
- Year 2015: 0.51% (YTD)
- Year 2014: 3.32%
- Year 2013: 15.83%
- Year 2012: 7.96%
- Year 2011: 3.09%
Vanguard Wellesley Income Fund
The Vanguard Wellesley Income Fund is a popular conservative allocation mutual fund. This balanced fund invests in investment-grade corporate, U.S. Treasury, government agency bonds, and dividend paying common stocks. The annual expense fee is 0.25%. Total net assets are $41 billion. It also has a high yield of 2.90%. The fund managers are John C. Keogh and W. Michael Reckmeyer.More: Best Performing Conservative Allocation Mutual Funds 2013
Morningstar has ranked this best conservative allocation mutual fund with 5 star and gold rating. It has returned 8.51% over the past 3 year, and 9.01% over the past 5 year.
Franklin Income Fund
This Franklin Income Fund has $92.4 billion of assets. This conservative allocation fund has a sales load of 4.25%. Its expense fee is 0.61%. This mutual fund invests in debt and equity securities. You can buy this balanced fund from 132 brokerages. The current yield is 5.02%.More: Best No Load Moderate Allocation Balanced Mutual Funds 2012
Top 3 sectors are utilities, energy, and basic materials. Top 5 stocks are Royal Dutch Shell PLC ADR Class A, Target Corp, General Electric Co, Pfizer Inc, and BP PLC ADR. For the past 10 year, it has an average return of 7.05%.
Conservative Funds Performance
| Fund Name | Ticker | 10 Year Return % |
|---|---|---|
| Berwyn Income Fund | BERIX | 7.65 |
| James Balanced Golden Rainbow Fund Retail Class | GLRBX | 7.51 |
| Vanguard Wellesley Income Fund Investor Shares | VWINX | 7.44 |
| Franklin Income Fund Class A | FKINX | 7.05 |
| Permanent Portfolio Fund | PRPFX | 6.96 |
| Federated Capital Income Fund Class A Shares | CAPAX | 6.95 |
| Goldman Sachs Income Builder Fund Class A | GSBFX | 6.86 |
| T. Rowe Price Personal Strategy Income Fund | PRSIX | 6.8 |
| API Efficient Frontier Income Fund Class A | APIUX | 6.75 |
| Columbia Thermostat Fund Class A | CTFAX | 6.67 |
| USAA Growth and Tax Strategy Fund | USBLX | 6.46 |
| MainStay Conservative Allocation Fund Class A | MCKAX | 6.44 |
| Thrivent Diversified Income Plus Fund Class A | AAHYX | 6.42 |
| Delaware Foundation Conservative Allocation Class A | DFIAX | 6.31 |
| Principal Strategic Asset Management Conservative Balanced Fund | SAIPX | 6.23 |
| MFS Conservative Allocation Fund Class A | MACFX | 6.23 |
| Columbia Capital Allocation Moderate Conservative Portfolio | NLGAX | 6.23 |
| Transamerica Asset Allocation Moderate Portfolio Class A | IMOAX | 6.19 |
| American Century One Choice Portfolio: Conservative Investor Class | AOCIX | 6.17 |
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