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Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in MainStay Moderate Allocation Fund, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Returns By Period
MainStay Moderate Allocation Fund (MMRIX) has returned -3.07% so far this year and 9.58% over the past 12 months. Over the last ten years, MMRIX has returned 6.30% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
MainStay Moderate Allocation Fund
- 1D
- 0.00%
- 1M
- -6.27%
- YTD
- -3.07%
- 6M
- -0.93%
- 1Y
- 9.58%
- 3Y*
- 8.70%
- 5Y*
- 4.63%
- 10Y*
- 6.30%
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since Apr 4, 2005, MMRIX's average daily return is +0.03%, while the average monthly return is +0.54%. At this rate, your investment would double in approximately 10.7 years.
Historically, 65% of months were positive and 35% were negative. The best month was Apr 2020 with a return of +8.1%, while the worst month was Oct 2008 at -12.2%. The longest winning streak lasted 11 consecutive months, and the longest losing streak was 5 months.
On a daily basis, MMRIX closed higher 51% of trading days. The best single day was May 10, 2018 with a return of +13.8%, while the worst single day was May 9, 2018 at -11.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.95% | 1.44% | -6.27% | -3.07% | |||||||||
| 2025 | 2.58% | -1.08% | -2.90% | 0.30% | 3.06% | 2.96% | 0.21% | 1.96% | 1.72% | 1.22% | 0.60% | 0.37% | 11.38% |
| 2024 | 0.38% | 1.79% | 2.20% | -3.16% | 2.67% | 1.30% | 2.28% | 1.46% | 1.58% | -1.96% | 3.93% | -3.66% | 8.84% |
| 2023 | 5.34% | -2.17% | 0.90% | 0.57% | -1.30% | 3.53% | 2.06% | -1.55% | -3.31% | -2.29% | 6.85% | 4.85% | 13.65% |
| 2022 | -4.14% | -1.58% | 0.80% | -5.73% | 0.38% | -6.51% | 5.98% | -3.09% | -7.02% | 5.15% | 5.22% | -2.99% | -13.76% |
| 2021 | -0.42% | 1.70% | 1.74% | 3.15% | 1.19% | 0.46% | 1.11% | 1.42% | -2.86% | 3.34% | -1.78% | 2.72% | 12.21% |
Benchmark Metrics
MainStay Moderate Allocation Fund has an annualized alpha of 1.02%, beta of 0.57, and R² of 0.84 versus S&P 500 Index. Calculated based on daily prices since April 05, 2005.
- This fund participated in 69.07% of S&P 500 Index downside but only 63.00% of its upside — more exposed to losses than it benefited from rallies.
- Beta of 0.57 indicates this fund moves significantly less than S&P 500 Index — a genuinely defensive profile with reduced participation in both market rallies and downturns.
- Alpha
- 1.02%
- Beta
- 0.57
- R²
- 0.84
- Upside Capture
- 63.00%
- Downside Capture
- 69.07%
Expense Ratio
MMRIX has an expense ratio of 0.09%, which is considered low.
Return for Risk
Risk / Return Rank
MMRIX ranks 46 for risk / return — on par with similar mutual funds. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for MainStay Moderate Allocation Fund (MMRIX) and compare them to a chosen benchmark (S&P 500 Index).
| MMRIX | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.96 | 0.90 | +0.07 |
Sortino ratioReturn per unit of downside risk | 1.39 | 1.39 | 0.00 |
Omega ratioGain probability vs. loss probability | 1.20 | 1.21 | -0.01 |
Calmar ratioReturn relative to maximum drawdown | 1.10 | 1.40 | -0.30 |
Martin ratioReturn relative to average drawdown | 5.01 | 6.61 | -1.60 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore MMRIX risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
MainStay Moderate Allocation Fund provided a 5.69% dividend yield over the last twelve months, with an annual payout of $0.79 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.79 | $0.79 | $0.93 | $0.08 | $0.70 | $1.41 | $0.83 | $0.55 | $0.93 | $0.45 | $0.22 | $0.65 |
Dividend yield | 5.69% | 5.51% | 6.88% | 0.60% | 5.92% | 9.74% | 5.89% | 4.16% | 7.98% | 3.23% | 1.73% | 5.26% |
Monthly Dividends
The table displays the monthly dividend distributions for MainStay Moderate Allocation Fund. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | |||||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.79 | $0.79 |
| 2024 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.93 | $0.93 |
| 2023 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.08 | $0.08 |
| 2022 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.70 | $0.70 |
| 2021 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1.41 | $1.41 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the MainStay Moderate Allocation Fund. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the MainStay Moderate Allocation Fund was 35.91%, occurring on Mar 9, 2009. Recovery took 420 trading sessions.
The current MainStay Moderate Allocation Fund drawdown is 6.40%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -35.91% | Nov 1, 2007 | 339 | Mar 9, 2009 | 420 | Nov 4, 2010 | 759 |
| -24.34% | Feb 20, 2020 | 23 | Mar 23, 2020 | 92 | Aug 3, 2020 | 115 |
| -20.4% | Nov 10, 2021 | 224 | Sep 30, 2022 | 358 | Mar 6, 2024 | 582 |
| -15.64% | Jan 29, 2018 | 71 | May 9, 2018 | 372 | Oct 30, 2019 | 443 |
| -14.27% | May 22, 2015 | 183 | Feb 11, 2016 | 208 | Dec 7, 2016 | 391 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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