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CTOBX American Funds College 2021 529B

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Fund CTOBX American Funds College 2021 529B TRRIX T. Rowe Price Retirement Balanced SWCGX Schwab MarketTrack Conservative  
100% 87% 88%
Annual Fees
(1.49% Exp. Ratio)
(0.57% Exp. Ratio)
(0.66% Exp. Ratio)
Future Est. Balance in 30 yrs
Assuming 3.45% annual return
$17,634.97 $23,307.11 $22,682.45
Est. savings over 30 yrs +$5,672.14 +$5,047.47
As of 9/30/16
1 YR RETURN 5.54%
3 YR 4.01%
5 YR --
10 YR --
1 YR RETURN 8.74%
3 YR 4.49%
5 YR 6.85%
10 YR 5.00%
1 YR RETURN 8.16%
3 YR 4.74%
5 YR 6.77%
10 YR 4.28%
The investment seeks to achieve the following objectives to varying degrees: growth, income and preservation of capital, depending on the proximity to its target date; the target date is meant to roughly correspond to the year in which the fund beneficiary will start to withdraw funds to meet higher education expenses. The fund will attempt to achieve its investment objectives by investing in a mix of American Funds in different combinations and weightings. The underlying American Funds represent a variety of fund categories such as growth-and-income funds, equity-income funds, balanced funds and bond funds.
The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund invests in a diversified portfolio of other T. Rowe Price stock and bond funds that represent various asset classes and sectors. It is intended for retired investors who seek income and relative stability from bonds along with some capital appreciation potential from stocks. The fund's "neutral allocations," which are what T. Rowe Price considers broadly appropriate for investors during their retirement years, are 40% stock funds and 60% bond funds. While the fund is non-diversified, it invests in diversified underlying holdings.
The investment seeks income and more growth potential than an all-bond portfolio. To pursue its goal, the portfolio maintains a defined asset allocation. The portfolio's target allocation includes bond, stock and cash investments. The portfolio's allocation is weighted toward bond investments, while including substantial stock investments in seeking to obtain long-term growth. The portfolio seeks to remain close to the target allocations of 55% fixed income, 40% equity and 5% cash and cash equivalents (including money market funds) and typically does not change its target allocation.

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The fees, balance and savings information above are estimated numbers, based on the data FeeX had at the day of publication, but may not be accurate due to incomplete or erroneous data.

The best choice is based on a combined analysis of lowest fees and highest similarity to the original fund.


FeeX's similarity algorithm analyzes over 15 investment characteristics like investment category, asset allocation, strategy, geographical allocation and more. FeeX gives each its own weight and calculates the similarity of any two investments based on a scale of 0 to 100%. Funds with a similarity ranking of 85% and higher are considered "similar".

Yes, funds and ETFs charge fees

Deep within every fund you own lies a hidden fee called expense ratio. It takes away a set % of your savings each and every year. It can often be easily reduced by switching to similar investments with lower expense ratios.


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