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The fund also has exposure to international and emerging markets.",[980],{"type":129,"attrs":981},{"color":773},{"type":18,"attrs":983,"content":984},{"textAlign":34},[985,991],{"text":986,"type":22,"marks":987},"3-Year Annual Returns (trailing):",[988,990],{"type":129,"attrs":989},{"color":773},{"type":38},{"text":992,"type":22,"marks":993}," 10.59%",[994],{"type":129,"attrs":995},{"color":773},{"type":18,"attrs":997,"content":998},{"textAlign":34},[999,1005],{"text":1000,"type":22,"marks":1001},"SEC 30-day yield:",[1002,1004],{"type":129,"attrs":1003},{"color":773},{"type":38},{"text":1006,"type":22,"marks":1007}," 3.82% ",[1008],{"type":129,"attrs":1009},{"color":773},{"type":18,"attrs":1011,"content":1012},{"textAlign":34},[1013,1019],{"text":1014,"type":22,"marks":1015},"Adjusted expense ratio: ",[1016,1018],{"type":129,"attrs":1017},{"color":773},{"type":38},{"text":1020,"type":22,"marks":1021},"0.35%",[1022],{"type":129,"attrs":1023},{"color":773},{"type":18,"attrs":1025,"content":1026},{"textAlign":34},[1027,1033],{"text":1028,"type":22,"marks":1029},"Allocation mix:",[1030,1032],{"type":129,"attrs":1031},{"color":773},{"type":38},{"text":1034,"type":22,"marks":1035}," 49.11% stocks, 45.27% bonds, 4.79% cash, 0.41% not classified or other. ",[1036],{"type":129,"attrs":1037},{"color":773},{"type":18,"attrs":1039,"content":1040},{"textAlign":34},[1041,1047],{"text":1042,"type":22,"marks":1043},"Minimum investment:",[1044,1046],{"type":129,"attrs":1045},{"color":773},{"type":38},{"text":1048,"type":22,"marks":1049}," $250",[1050],{"type":129,"attrs":1051},{"color":773},{"type":764,"attrs":1053,"content":1054},{"level":960,"textAlign":34},[1055],{"text":1056,"type":22,"marks":1057},"Vanguard Wellesley Fund (VWINX)",[1058],{"type":129,"attrs":1059},{"color":967},{"type":18,"attrs":1061,"content":1062},{"textAlign":34},[1063,1069,1074,1083],{"text":1064,"type":22,"marks":1065},"Strategy: ",[1066,1068],{"type":129,"attrs":1067},{"color":773},{"type":38},{"text":1070,"type":22,"marks":1071},"The fund seeks undervalued ",[1072],{"type":129,"attrs":1073},{"color":773},{"text":1075,"type":22,"marks":1076},"dividend stocks",[1077,1080,1082],{"type":31,"attrs":1078},{"href":1079,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-a-dividend",{"type":129,"attrs":1081},{"color":842},{"type":844},{"text":1084,"type":22,"marks":1085}," that have experienced a temporary setback but have strong fundamentals. There’s emphasis on finding stocks that can grow their dividend over time. The fund also focuses on investment-grade bonds, corporate credit, taxable municipal bonds, Treasuries, and agency securities. ",[1086],{"type":129,"attrs":1087},{"color":773},{"type":18,"attrs":1089,"content":1090},{"textAlign":34},[1091,1097],{"text":1092,"type":22,"marks":1093},"3-Year Annual Returns (trailing): ",[1094,1096],{"type":129,"attrs":1095},{"color":773},{"type":38},{"text":1098,"type":22,"marks":1099},"7.39%",[1100],{"type":129,"attrs":1101},{"color":773},{"type":18,"attrs":1103,"content":1104},{"textAlign":34},[1105,1110],{"text":1000,"type":22,"marks":1106},[1107,1109],{"type":129,"attrs":1108},{"color":773},{"type":38},{"text":1111,"type":22,"marks":1112}," 3.66%",[1113],{"type":129,"attrs":1114},{"color":773},{"type":18,"attrs":1116,"content":1117},{"textAlign":34},[1118,1123],{"text":1014,"type":22,"marks":1119},[1120,1122],{"type":129,"attrs":1121},{"color":773},{"type":38},{"text":1124,"type":22,"marks":1125},"0.23%",[1126],{"type":129,"attrs":1127},{"color":773},{"type":18,"attrs":1129,"content":1130},{"textAlign":34},[1131,1137],{"text":1132,"type":22,"marks":1133},"Allocation mix: ",[1134,1136],{"type":129,"attrs":1135},{"color":773},{"type":38},{"text":1138,"type":22,"marks":1139},"35% equities, 65% fixed income",[1140],{"type":129,"attrs":1141},{"color":773},{"type":18,"attrs":1143,"content":1144},{"textAlign":34},[1145,1151],{"text":1146,"type":22,"marks":1147},"Initial investment:",[1148,1150],{"type":129,"attrs":1149},{"color":773},{"type":38},{"text":1152,"type":22,"marks":1153}," $3,000",[1154],{"type":129,"attrs":1155},{"color":773},{"type":764,"attrs":1157,"content":1158},{"level":960,"textAlign":34},[1159],{"text":1160,"type":22,"marks":1161},"T. 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For example, the strategy includes nearly 20% in U.S. Treasury Inflation-Protected Securities (TIPS), which is designed to protect retirees' assets from inflation. ",[1175],{"type":129,"attrs":1176},{"color":773},{"type":18,"attrs":1178,"content":1179},{"textAlign":34},[1180,1185,1190],{"text":1092,"type":22,"marks":1181},[1182,1184],{"type":129,"attrs":1183},{"color":773},{"type":38},{"text":1186,"type":22,"marks":1187},"10.62%",[1188],{"type":129,"attrs":1189},{"color":773},{"text":1191,"type":22,"marks":1192}," ",[1193,1195],{"type":129,"attrs":1194},{"color":773},{"type":38},{"type":18,"attrs":1197,"content":1198},{"textAlign":34},[1199,1204],{"text":1000,"type":22,"marks":1200},[1201,1203],{"type":129,"attrs":1202},{"color":773},{"type":38},{"text":1205,"type":22,"marks":1206}," 3.09%",[1207],{"type":129,"attrs":1208},{"color":773},{"type":18,"attrs":1210,"content":1211},{"textAlign":34},[1212,1218],{"text":1213,"type":22,"marks":1214},"Adjusted expense ratio:",[1215,1217],{"type":129,"attrs":1216},{"color":773},{"type":38},{"text":1219,"type":22,"marks":1220}," 0.49%",[1221],{"type":129,"attrs":1222},{"color":773},{"type":18,"attrs":1224,"content":1225},{"textAlign":34},[1226,1231],{"text":1028,"type":22,"marks":1227},[1228,1230],{"type":129,"attrs":1229},{"color":773},{"type":38},{"text":1232,"type":22,"marks":1233}," 40.5% stocks, 55.6% bonds",[1234],{"type":129,"attrs":1235},{"color":773},{"type":18,"attrs":1237,"content":1238},{"textAlign":34},[1239,1244],{"text":1042,"type":22,"marks":1240},[1241,1243],{"type":129,"attrs":1242},{"color":773},{"type":38},{"text":1245,"type":22,"marks":1246}," $2,500",[1247],{"type":129,"attrs":1248},{"color":773},{"type":764,"attrs":1250,"content":1251},{"level":960,"textAlign":34},[1252],{"text":1253,"type":22,"marks":1254},"American Funds Retirement Income Port - Conservative (RQRPX)",[1255],{"type":129,"attrs":1256},{"color":967},{"type":18,"attrs":1258,"content":1259},{"textAlign":34},[1260,1265],{"text":972,"type":22,"marks":1261},[1262,1264],{"type":129,"attrs":1263},{"color":773},{"type":38},{"text":1266,"type":22,"marks":1267}," The fund is designed to support retirees for 20 years in retirement while maintaining 80% of the principal. It has strong underlying funds and a research-based approach. The strategy also has defensive positions that help it perform well in down markets. ",[1268],{"type":129,"attrs":1269},{"color":773},{"type":18,"attrs":1271,"content":1272},{"textAlign":34},[1273,1278],{"text":1092,"type":22,"marks":1274},[1275,1277],{"type":129,"attrs":1276},{"color":773},{"type":38},{"text":1279,"type":22,"marks":1280},"8.76%",[1281],{"type":129,"attrs":1282},{"color":773},{"type":18,"attrs":1284,"content":1285},{"textAlign":34},[1286,1291],{"text":1000,"type":22,"marks":1287},[1288,1290],{"type":129,"attrs":1289},{"color":773},{"type":38},{"text":1292,"type":22,"marks":1293}," 3.32%",[1294],{"type":129,"attrs":1295},{"color":773},{"type":18,"attrs":1297,"content":1298},{"textAlign":34},[1299,1304],{"text":1014,"type":22,"marks":1300},[1301,1303],{"type":129,"attrs":1302},{"color":773},{"type":38},{"text":1020,"type":22,"marks":1305},[1306],{"type":129,"attrs":1307},{"color":773},{"type":18,"attrs":1309,"content":1310},{"textAlign":34},[1311,1316],{"text":1028,"type":22,"marks":1312},[1313,1315],{"type":129,"attrs":1314},{"color":773},{"type":38},{"text":1317,"type":22,"marks":1318}," 40% equities, 60% income",[1319],{"type":129,"attrs":1320},{"color":773},{"type":18,"attrs":1322,"content":1323},{"textAlign":34},[1324,1329],{"text":1042,"type":22,"marks":1325},[1326,1328],{"type":129,"attrs":1327},{"color":773},{"type":38},{"text":1048,"type":22,"marks":1330},[1331],{"type":129,"attrs":1332},{"color":773},{"type":764,"attrs":1334,"content":1335},{"level":960,"textAlign":34},[1336],{"text":1337,"type":22,"marks":1338},"American Funds Tax Aware Conservative Growth & Income (TXIFX)",[1339],{"type":129,"attrs":1340},{"color":967},{"type":18,"attrs":1342,"content":1343},{"textAlign":34},[1344,1349,1354,1363],{"text":1064,"type":22,"marks":1345},[1346,1348],{"type":129,"attrs":1347},{"color":773},{"type":38},{"text":1350,"type":22,"marks":1351},"The underlying funds in the American Funds Tax Aware Conservative Growth and Income mutual fund are chosen for tax efficiency, including ",[1352],{"type":129,"attrs":1353},{"color":773},{"text":1355,"type":22,"marks":1356},"ETFs",[1357,1360,1362],{"type":31,"attrs":1358},{"href":1359,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-an-etf",{"type":129,"attrs":1361},{"color":842},{"type":844},{"text":1364,"type":22,"marks":1365}," that can provide in-kind redemptions and don’t need to pay out capital gains. Also, lower-yield equity funds lessen the tax burden from dividends. The fixed-income portfolio also includes municipal bond funds for tax-exempt income. ",[1366],{"type":129,"attrs":1367},{"color":773},{"type":18,"attrs":1369,"content":1370},{"textAlign":34},[1371,1376],{"text":1092,"type":22,"marks":1372},[1373,1375],{"type":129,"attrs":1374},{"color":773},{"type":38},{"text":1377,"type":22,"marks":1378},"11.41%",[1379],{"type":129,"attrs":1380},{"color":773},{"type":18,"attrs":1382,"content":1383},{"textAlign":34},[1384,1389],{"text":1000,"type":22,"marks":1385},[1386,1388],{"type":129,"attrs":1387},{"color":773},{"type":38},{"text":1390,"type":22,"marks":1391}," 2.35%",[1392],{"type":129,"attrs":1393},{"color":773},{"type":18,"attrs":1395,"content":1396},{"textAlign":34},[1397,1402],{"text":1014,"type":22,"marks":1398},[1399,1401],{"type":129,"attrs":1400},{"color":773},{"type":38},{"text":1403,"type":22,"marks":1404},"0.43%",[1405],{"type":129,"attrs":1406},{"color":773},{"type":18,"attrs":1408,"content":1409},{"textAlign":34},[1410,1415],{"text":1028,"type":22,"marks":1411},[1412,1414],{"type":129,"attrs":1413},{"color":773},{"type":38},{"text":1416,"type":22,"marks":1417}," 50% income, 50% equity",[1418],{"type":129,"attrs":1419},{"color":773},{"type":18,"attrs":1421,"content":1422},{"textAlign":34},[1423,1428],{"text":1042,"type":22,"marks":1424},[1425,1427],{"type":129,"attrs":1426},{"color":773},{"type":38},{"text":1048,"type":22,"marks":1429},[1430],{"type":129,"attrs":1431},{"color":773},{"type":764,"attrs":1433,"content":1434},{"level":960,"textAlign":34},[1435],{"text":1436,"type":22,"marks":1437},"Nuveen Lifecycle Index Retirement Income (TRILX)",[1438],{"type":129,"attrs":1439},{"color":967},{"type":18,"attrs":1441,"content":1442},{"textAlign":34},[1443,1448],{"text":972,"type":22,"marks":1444},[1445,1447],{"type":129,"attrs":1446},{"color":773},{"type":38},{"text":1449,"type":22,"marks":1450}," The mutual fund comprises other funds with a primary focus on generating income and a secondary goal of capital appreciation. The fund has more U.S. securities on both the bond and equity sides. The equities side also has a slight tilt toward large-cap equities. The bonds in the fund have a higher-than-average rating of AA. ",[1451],{"type":129,"attrs":1452},{"color":773},{"type":18,"attrs":1454,"content":1455},{"textAlign":34},[1456,1461],{"text":1092,"type":22,"marks":1457},[1458,1460],{"type":129,"attrs":1459},{"color":773},{"type":38},{"text":1462,"type":22,"marks":1463},"10.13%",[1464],{"type":129,"attrs":1465},{"color":773},{"type":18,"attrs":1467,"content":1468},{"textAlign":34},[1469,1474],{"text":1000,"type":22,"marks":1470},[1471,1473],{"type":129,"attrs":1472},{"color":773},{"type":38},{"text":1475,"type":22,"marks":1476}," 2.83%",[1477],{"type":129,"attrs":1478},{"color":773},{"type":18,"attrs":1480,"content":1481},{"textAlign":34},[1482,1487],{"text":1213,"type":22,"marks":1483},[1484,1486],{"type":129,"attrs":1485},{"color":773},{"type":38},{"text":1488,"type":22,"marks":1489}," 0.10%",[1490],{"type":129,"attrs":1491},{"color":773},{"type":18,"attrs":1493,"content":1494},{"textAlign":34},[1495,1500],{"text":1028,"type":22,"marks":1496},[1497,1499],{"type":129,"attrs":1498},{"color":773},{"type":38},{"text":1501,"type":22,"marks":1502}," 60% bonds, 40% equities. 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Of this, funds aim for a mix of 60% U.S. equities and 40% non-U.S. equities. Bonds are a mix of 70% U.S. funds and 30% non-U.S. funds. ",[1590],{"type":129,"attrs":1591},{"color":773},{"type":18,"attrs":1593,"content":1594},{"textAlign":34},[1595,1601],{"text":1596,"type":22,"marks":1597},"Initial investment: ",[1598,1600],{"type":129,"attrs":1599},{"color":773},{"type":38},{"text":1602,"type":22,"marks":1603},"$3,000",[1604],{"type":129,"attrs":1605},{"color":773},{"type":764,"attrs":1607,"content":1608},{"level":960,"textAlign":34},[1609],{"text":1610,"type":22,"marks":1611},"T. Rowe Price Spectrum Conservative Allocation (PRSIX)",[1612],{"type":129,"attrs":1613},{"color":967},{"type":18,"attrs":1615,"content":1616},{"textAlign":34},[1617,1622],{"text":972,"type":22,"marks":1618},[1619,1621],{"type":129,"attrs":1620},{"color":773},{"type":38},{"text":1623,"type":22,"marks":1624}," Primary emphasis is on income, with secondary emphasis on capital appreciation. The portfolio is diversified across stocks, bonds, money market securities, cash reserves, and alternative investments. Over 350 analysts are dedicated to the fund's underlying research. ",[1625],{"type":129,"attrs":1626},{"color":773},{"type":18,"attrs":1628,"content":1629},{"textAlign":34},[1630,1635],{"text":1092,"type":22,"marks":1631},[1632,1634],{"type":129,"attrs":1633},{"color":773},{"type":38},{"text":1636,"type":22,"marks":1637},"9.91%",[1638],{"type":129,"attrs":1639},{"color":773},{"type":18,"attrs":1641,"content":1642},{"textAlign":34},[1643,1648],{"text":1000,"type":22,"marks":1644},[1645,1647],{"type":129,"attrs":1646},{"color":773},{"type":38},{"text":1649,"type":22,"marks":1650}," 3.62%",[1651],{"type":129,"attrs":1652},{"color":773},{"type":18,"attrs":1654,"content":1655},{"textAlign":34},[1656,1661],{"text":1213,"type":22,"marks":1657},[1658,1660],{"type":129,"attrs":1659},{"color":773},{"type":38},{"text":1662,"type":22,"marks":1663}," 0.67%",[1664],{"type":129,"attrs":1665},{"color":773},{"type":18,"attrs":1667,"content":1668},{"textAlign":34},[1669,1674],{"text":1132,"type":22,"marks":1670},[1671,1673],{"type":129,"attrs":1672},{"color":773},{"type":38},{"text":1675,"type":22,"marks":1676},"50% in bonds, money market securities, and cash reserves, 40% stocks, 10% alternative investment.",[1677],{"type":129,"attrs":1678},{"color":773},{"type":18,"attrs":1680,"content":1681},{"textAlign":34},[1682,1687],{"text":1596,"type":22,"marks":1683},[1684,1686],{"type":129,"attrs":1685},{"color":773},{"type":38},{"text":1688,"type":22,"marks":1689},"$2,500",[1690],{"type":129,"attrs":1691},{"color":773},{"type":764,"attrs":1693,"content":1694},{"level":960,"textAlign":34},[1695],{"text":1696,"type":22,"marks":1697},"Vanguard Tax-Managed Balanced (VTMFX)",[1698],{"type":129,"attrs":1699},{"color":967},{"type":18,"attrs":1701,"content":1702},{"textAlign":34},[1703,1708],{"text":972,"type":22,"marks":1704},[1705,1707],{"type":129,"attrs":1706},{"color":773},{"type":38},{"text":1709,"type":22,"marks":1710}," The fund leans away from dividend stocks and toward tax-loss harvesting. It maintains a balance of stocks and bonds with tax-advantaged strategies. ",[1711],{"type":129,"attrs":1712},{"color":773},{"type":18,"attrs":1714,"content":1715},{"textAlign":34},[1716,1721],{"text":1092,"type":22,"marks":1717},[1718,1720],{"type":129,"attrs":1719},{"color":773},{"type":38},{"text":1722,"type":22,"marks":1723},"11.98%",[1724],{"type":129,"attrs":1725},{"color":773},{"type":18,"attrs":1727,"content":1728},{"textAlign":34},[1729,1734],{"text":1000,"type":22,"marks":1730},[1731,1733],{"type":129,"attrs":1732},{"color":773},{"type":38},{"text":1735,"type":22,"marks":1736}," 2.23%",[1737],{"type":129,"attrs":1738},{"color":773},{"type":18,"attrs":1740,"content":1741},{"textAlign":34},[1742,1747],{"text":1213,"type":22,"marks":1743},[1744,1746],{"type":129,"attrs":1745},{"color":773},{"type":38},{"text":1748,"type":22,"marks":1749}," .09%",[1750],{"type":129,"attrs":1751},{"color":773},{"type":18,"attrs":1753,"content":1754},{"textAlign":34},[1755,1760],{"text":1028,"type":22,"marks":1756},[1757,1759],{"type":129,"attrs":1758},{"color":773},{"type":38},{"text":1761,"type":22,"marks":1762}," 50% stocks, 50% bonds",[1763],{"type":129,"attrs":1764},{"color":773},{"type":18,"attrs":1766,"content":1767},{"textAlign":34},[1768,1773],{"text":1146,"type":22,"marks":1769},[1770,1772],{"type":129,"attrs":1771},{"color":773},{"type":38},{"text":1774,"type":22,"marks":1775}," $10,000",[1776],{"type":129,"attrs":1777},{"color":773},{"type":764,"attrs":1779,"content":1780},{"level":960,"textAlign":34},[1781],{"text":1782,"type":22,"marks":1783},"MFS Conservative Allocation (MACIX)",[1784],{"type":129,"attrs":1785},{"color":967},{"type":18,"attrs":1787,"content":1788},{"textAlign":34},[1789,1794],{"text":1064,"type":22,"marks":1790},[1791,1793],{"type":129,"attrs":1792},{"color":773},{"type":38},{"text":1795,"type":22,"marks":1796},"23 underlying funds are diversified across geography, market cap, and risk profile. There are both domestic and international funds, large-, mid-, and small-cap funds, and value and growth funds. ",[1797],{"type":129,"attrs":1798},{"color":773},{"type":18,"attrs":1800,"content":1801},{"textAlign":34},[1802,1807],{"text":1092,"type":22,"marks":1803},[1804,1806],{"type":129,"attrs":1805},{"color":773},{"type":38},{"text":1808,"type":22,"marks":1809},"8.47%",[1810],{"type":129,"attrs":1811},{"color":773},{"type":18,"attrs":1813,"content":1814},{"textAlign":34},[1815,1821],{"text":1816,"type":22,"marks":1817},"SEC 30-day yield: ",[1818,1820],{"type":129,"attrs":1819},{"color":773},{"type":38},{"text":1822,"type":22,"marks":1823},"3.24%",[1824],{"type":129,"attrs":1825},{"color":773},{"type":18,"attrs":1827,"content":1828},{"textAlign":34},[1829,1834],{"text":1014,"type":22,"marks":1830},[1831,1833],{"type":129,"attrs":1832},{"color":773},{"type":38},{"text":1835,"type":22,"marks":1836},"0.58%",[1837],{"type":129,"attrs":1838},{"color":773},{"type":18,"attrs":1840,"content":1841},{"textAlign":34},[1842,1847],{"text":1028,"type":22,"marks":1843},[1844,1846],{"type":129,"attrs":1845},{"color":773},{"type":38},{"text":1848,"type":22,"marks":1849}," 79% equity, 21% fixed income",[1850],{"type":129,"attrs":1851},{"color":773},{"type":18,"attrs":1853,"content":1854},{"textAlign":34},[1855,1860],{"text":1042,"type":22,"marks":1856},[1857,1859],{"type":129,"attrs":1858},{"color":773},{"type":38},{"text":1861,"type":22,"marks":1862}," $0",[1863],{"type":129,"attrs":1864},{"color":773},{"type":764,"attrs":1866,"content":1867},{"level":766,"textAlign":34},[1868],{"text":1869,"type":22,"marks":1870},"How much more income can balanced funds provide?",[1871],{"type":129,"attrs":1872},{"color":773},{"type":18,"attrs":1874,"content":1875},{"textAlign":34},[1876,1881,1890],{"text":1877,"type":22,"marks":1878},"Balanced funds can provide more ",[1879],{"type":129,"attrs":1880},{"color":773},{"text":1882,"type":22,"marks":1883},"income",[1884,1887,1889],{"type":31,"attrs":1885},{"href":1886,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/12-investments-that-pay-monthly-income",{"type":129,"attrs":1888},{"color":842},{"type":844},{"text":1891,"type":22,"marks":1892}," than funds with a higher percentage of stocks. They often have a higher percentage of bonds and stocks that pay dividends, which produce more income distributions. ",[1893],{"type":129,"attrs":1894},{"color":773},{"type":18,"attrs":1896,"content":1897},{"textAlign":34},[1898],{"text":1899,"type":22,"marks":1900},"Funds with higher income do come at the expense of a higher percentage of growth stocks, which means your overall portfolio won’t have the same growth if you had a higher percentage of stocks. ",[1901],{"type":129,"attrs":1902},{"color":773},{"type":764,"attrs":1904,"content":1905},{"level":766,"textAlign":34},[1906],{"text":1907,"type":22,"marks":1908},"Growth and income mutual funds: What about total returns?",[1909],{"type":129,"attrs":1910},{"color":773},{"type":18,"attrs":1912,"content":1913},{"textAlign":34},[1914],{"text":1915,"type":22,"marks":1916},"It’s also possible that a good portfolio that’s balanced with income and growth can also deliver great returns. ",[1917],{"type":129,"attrs":1918},{"color":773},{"type":18,"attrs":1920,"content":1921},{"textAlign":34},[1922],{"text":1923,"type":22,"marks":1924},"The mutual funds listed in this article, for example, have annual returns ranging between 7% and 11%. ",[1925],{"type":129,"attrs":1926},{"color":773},{"type":18,"attrs":1928,"content":1929},{"textAlign":34},[1930],{"text":1931,"type":22,"marks":1932},"It’s important to keep in mind that nothing can replace expert guidance. ",[1933],{"type":129,"attrs":1934},{"color":773},{"type":18,"attrs":1936,"content":1937},{"textAlign":34},[1938,1947,1952,1961],{"text":1939,"type":22,"marks":1940},"High returns",[1941,1944,1946],{"type":31,"attrs":1942},{"href":1943,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/highest-return-investment",{"type":129,"attrs":1945},{"color":842},{"type":844},{"text":1948,"type":22,"marks":1949}," aren’t the only metric to look at when deciding on a fund, and for advice for your specific situation, you’ll need to consult an ",[1950],{"type":129,"attrs":1951},{"color":773},{"text":1953,"type":22,"marks":1954},"expert advisor",[1955,1958,1960],{"type":31,"attrs":1956},{"href":1957,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/",{"type":129,"attrs":1959},{"color":842},{"type":844},{"text":1962,"type":22,"marks":1963},". ",[1964],{"type":129,"attrs":1965},{"color":773},{"type":764,"attrs":1967,"content":1968},{"level":766,"textAlign":34},[1969],{"text":1970,"type":22,"marks":1971},"How to pick the right growth and income mutual fund for you",[1972],{"type":129,"attrs":1973},{"color":773},{"type":18,"attrs":1975,"content":1976},{"textAlign":34},[1977],{"text":1978,"type":22,"marks":1979},"With thousands of options, it’s difficult to know which mutual funds are suitable for your needs. It’s also hard to determine how well the mutual fund will perform for you. ",[1980],{"type":129,"attrs":1981},{"color":773},{"type":18,"attrs":1983,"content":1984},{"textAlign":34},[1985],{"text":1986,"type":22,"marks":1987},"Some things to look for that may help you evaluate a fund:",[1988],{"type":129,"attrs":1989},{"color":773},{"type":775,"content":1991},[1992,2018,2034,2049,2065],{"type":778,"content":1993},[1994],{"type":18,"attrs":1995,"content":1996},{"textAlign":34},[1997,2007,2013],{"text":1998,"type":22,"marks":1999},"Allocation",[2000,2003,2005,2006],{"type":31,"attrs":2001},{"href":2002,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-asset-allocation",{"type":129,"attrs":2004},{"color":842},{"type":38},{"type":844},{"text":2008,"type":22,"marks":2009},": ",[2010,2012],{"type":129,"attrs":2011},{"color":773},{"type":38},{"text":2014,"type":22,"marks":2015},"Where your money is invested may make a difference in how the portfolio performs. Different mutual funds use different strategies to generate income and growth, with varying allocations to US and non-US equities, cash, fixed income, and other investments. ",[2016],{"type":129,"attrs":2017},{"color":773},{"type":778,"content":2019},[2020],{"type":18,"attrs":2021,"content":2022},{"textAlign":34},[2023,2029],{"text":2024,"type":22,"marks":2025},"Yield: ",[2026,2028],{"type":129,"attrs":2027},{"color":773},{"type":38},{"text":2030,"type":22,"marks":2031},"The amount paid per share of a mutual fund from income-producing investments in the portfolio, such as bonds, dividend-paying stocks, and emerging-market debt. Higher is better, but a good look at the fund is in order to determine whether that number is sustainable.  ",[2032],{"type":129,"attrs":2033},{"color":773},{"type":778,"content":2035},[2036],{"type":18,"attrs":2037,"content":2038},{"textAlign":34},[2039,2044],{"text":1213,"type":22,"marks":2040},[2041,2043],{"type":129,"attrs":2042},{"color":773},{"type":38},{"text":2045,"type":22,"marks":2046}," The adjusted expense ratio takes into account all fees so you’re able to make an apples-to-apples comparison among mutual funds. ",[2047],{"type":129,"attrs":2048},{"color":773},{"type":778,"content":2050},[2051],{"type":18,"attrs":2052,"content":2053},{"textAlign":34},[2054,2060],{"text":2055,"type":22,"marks":2056},"Risk:",[2057,2059],{"type":129,"attrs":2058},{"color":773},{"type":38},{"text":2061,"type":22,"marks":2062}," You may want to review the risk score produced by Morningstar, which categorizes funds as conservative, moderate, aggressive, very aggressive, and extreme. ",[2063],{"type":129,"attrs":2064},{"color":773},{"type":778,"content":2066},[2067],{"type":18,"attrs":2068,"content":2069},{"textAlign":34},[2070,2076],{"text":2071,"type":22,"marks":2072},"Rating:",[2073,2075],{"type":129,"attrs":2074},{"color":773},{"type":38},{"text":2077,"type":22,"marks":2078}," It’s helpful to look at how independent research providers, such as Morningstar, rate a mutual fund. There’s no replacement for expertise.",[2079],{"type":129,"attrs":2080},{"color":773},{"type":764,"attrs":2082,"content":2083},{"level":766,"textAlign":34},[2084],{"text":2085,"type":22,"marks":2086},"Bottom line",[2087],{"type":129,"attrs":2088},{"color":773},{"type":18,"attrs":2090,"content":2091},{"textAlign":34},[2092],{"text":2093,"type":22,"marks":2094},"Growth-and-income mutual funds offer a balanced approach for investors seeking both income now and growth potential. ",[2095],{"type":129,"attrs":2096},{"color":773},{"type":18,"attrs":2098,"content":2099},{"textAlign":34},[2100],{"text":2101,"type":22,"marks":2102},"Professional guidance can help you find the right strategy and funds to help accomplish your financial goals. ",[2103],{"type":129,"attrs":2104},{"color":773},{"type":18,"attrs":2106,"content":2107},{"textAlign":34},[2108,2113,2122],{"text":2109,"type":22,"marks":2110},"Unbiased can match you with a ",[2111],{"type":129,"attrs":2112},{"color":773},{"text":2114,"type":22,"marks":2115},"financial advisor",[2116,2119,2121],{"type":31,"attrs":2117},{"href":2118,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas?mf-type=regular&flow=affiliate-journey",{"type":129,"attrs":2120},{"color":842},{"type":844},{"text":2123,"type":22,"marks":2124}," to get you on the right track and answer all your questions. ",[2125],{"type":129,"attrs":2126},{"color":773},[2128],{"_uid":2129,"image":2130,"title":2135,"subtitle":12,"component":2150,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":2131,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":2132,"copyright":12,"fieldtype":2133,"meta_data":2134,"is_external_url":543},118762509371087,"https://a.storyblok.com/f/185166/5563x3192/19d771b266/best-growth-and-income-mutual-funds.jpg","asset",{},{"type":15,"content":2136},[2137],{"type":18,"attrs":2138,"content":2139},{"textAlign":34},[2140,2142,2148],{"text":2141,"type":22},"What are the ",{"text":2143,"type":22,"marks":2144},"best growth and income mutual funds",[2145],{"type":25,"attrs":2146},{"class":2147},"primary-gradient",{"text":2149,"type":22},"?","app-hero",{"name":2152,"created_at":2153,"published_at":2154,"updated_at":2155,"id":2156,"uuid":2157,"content":2158,"slug":2169,"full_slug":2170,"sort_by_date":34,"position":2171,"tag_list":2172,"is_startpage":543,"parent_id":2173,"meta_data":34,"group_id":2174,"first_published_at":2175,"release_id":34,"lang":730,"path":34,"alternates":2176,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Alene Laney","2025-01-10T11:20:16.824Z","2025-07-31T11:31:28.400Z","2025-07-31T11:31:28.412Z",607140568,"fa11c784-d733-4cc0-a8ec-90a90154b805",{"job":2159,"_uid":2160,"name":2152,"image":2161,"component":2165,"education":2166,"expertise":2167,"description":2168},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":2162,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":2163,"copyright":12,"fieldtype":2133,"meta_data":2164,"is_external_url":543},19801386,"https://a.storyblok.com/f/185166/1986x1986/48279a1e44/alene-laney.jpg",{},"article-author","University of Utah, BA in English Literature & History ","Laney has more than 10 years of experience in media, including newsprint, public relations, marketing, and SEO content writing. \nHer work has been featured in national publications such as The Wall Street Journal, Fox Business, SoFi, Credible, and others.","Alene Laney is an award-winning journalist for Unbiased, where she breaks down financial topics related to retirement, investing, and banking. \n\nShe specializes in helping readers make the best decisions for their money with long-form content for brands and consumer publications.","alene-laney","authors/alene-laney",-20,[],224651374,"e2751bd8-55e4-46e9-94e4-ccce2929794c","2025-01-10T11:21:18.666Z",[],[2178],{"_uid":2179,"body":2180,"title":2196,"component":2197},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[2181,2185,2189,2192],{"_uid":2182,"href":2183,"text":2184,"component":542,"openInNewWindow":558},"fbf56655-5bfd-4afb-92b5-f278c637a244","https://www.unbiased.com/discover/financial-advice/best-financial-advisor","Best financial advisor firms",{"_uid":2186,"href":2187,"text":2188,"component":542,"openInNewWindow":558},"d143f321-0677-4e5c-af51-c38a8c1a7058","https://www.unbiased.com/discover/investing/what-is-a-mutual-fund","What is a mutual fund?",{"_uid":2190,"href":839,"text":2191,"component":542,"openInNewWindow":558},"b408b773-6b4c-48c4-a416-057b4855231b","How to invest in a mutual fund",{"_uid":2193,"href":2194,"text":2195,"component":542,"openInNewWindow":558},"23458399-20f2-4f52-9719-b9a62be50ad1","https://www.unbiased.com/discover/financial-advice/northwestern-mutual-financial-advisor","Northwestern mutual financial advisor","Related articles","app-links-list",{"_uid":2199,"title":750,"plugin":2200,"og_image":12,"og_title":12,"description":2201,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"54c7faf0-c106-4eb7-a5c6-7e1bacc70212","seo_metatags","Looking for mutual funds that perform well and have low fees? This list can help get you thinking about where to invest.",{"name":2203,"created_at":2204,"published_at":2205,"updated_at":2206,"id":2207,"uuid":2208,"content":2209,"slug":2217,"full_slug":2218,"sort_by_date":34,"position":2219,"tag_list":2220,"is_startpage":543,"parent_id":2173,"meta_data":34,"group_id":2221,"first_published_at":2222,"release_id":34,"lang":730,"path":34,"alternates":2223,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":2210,"_uid":2160,"name":2203,"image":2211,"component":2165,"education":2214,"expertise":2215,"description":2216},"Senior Content Writer",{"id":2212,"alt":12,"name":12,"focus":12,"title":12,"filename":2213,"copyright":12,"fieldtype":2133,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],"app-article",[],[],"There are thousands of mutual funds to choose from, including those that balance growth and income. Here’s a breakdown of some of the highly rated funds to choose from. ",[],"best-growth-and-income-mutual-funds","discover/investing/best-growth-and-income-mutual-funds",-1060,[],365491304,"cee42eda-9606-463b-9e5d-4fda57aab270","2025-12-02T14:24:33.361Z",[],{"left":727,"top":727,"width":2238,"height":2238,"rotate":727,"vFlip":543,"hFlip":543,"body":2239},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[2241,2244,2245],{"title":2242,"exact":558,"href":2243},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":2246,"disabled":558},"/discover/investing/best-growth-and-income-mutual-funds",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":2248},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777626338328]