Our Terms of Service and Privacy Policy have changed.

By continuing to use this site, you are agreeing to the new Privacy Policy and Terms of Service.

MainStay Retirement 2050 Fund Class A (MSRLX)

Net Asset Value
1 Day
Overall Morningstar Rating
Target-date 2050
Style or Category
Sales Expenses
Expense Ratio
Above Average
Morningstar Risk Rating™
Investment Objective The investment seeks to maximize total return over time consistent with its current investment allocation. The fund is a "fund of funds," meaning that it seeks to achieve its investment objective by investing primarily in mutual funds. It seeks to achieve its investment objective by normally investing approximately 11% (within a range of 1% to 21%) of its assets in underlying fixed-income funds and approximately 89% (within a range of 79% to 99%) of its assets in underlying equity funds. The underlying equity funds may consist of approximately 22% (within a range of 12% to 32%) of international equity funds.


1 month-2.31% 3 years+4.88%
3 months+6.74% 5 years+6.65%
1 year-8.13% Since inception+3.63%
Data through --

Peer Comparisonvs. Target-date 2050

Performance 5-yr return+6.65%+5.90%
Expense ratio1.50%0.97%
Risk 5 year sharpe ratio0.520.51
Net assets$90.9M$716.2M
Average market cap$24.4B$31.0B
Average P/E18.817.4
Portfolio turnover42%42%

There are thousands of mutual funds to choose from. Get Money Magazine’s picks in all major categories.

Fund Management and Purchase Info

Fund familyMainStay
Fund manager & tenureJonathan Swaney / 8 Years
Minimal initial investment$25,000.00
Minimum IRA investment--


U.S. stock63.09%
International stock25.49%
Fixed income6.84%
Top 5 Sectors
Portfolio weighting
Financial service 17.93%
Industrial materials 13.84%
Energy 11.98%
Healthcare 10.69%
Consumer goods 10.15%
Top 10 Holdings
Portfolio weighting
MLAIX MainStay Large Cap Growth Fund Class I15.41%
MATIX MainStay Epoch U.S. All Cap Fund Class I12.25%
ICEUX MainStay ICAP International Fund Class I11.33%
IWM iShares Russell 2000 ETF10.23%
MUBFX MainStay MAP Fund Class I9.22%
MSOIX MainStay Common Stock Fund Class I9.05%
ICAEX MainStay ICAP Equity Fund Class I6.63%
MSIIX MainStay International Equity Fund Class I5.09%
EPIEX MainStay Epoch International Small Cap Fund Class I3.65%
MSPIX MainStay S&P 500 Index Fund Class I2.80%

Partner Offers