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Name

As of 07/13/2026

Price

Aum/Mkt Cap

YIELD

Annualized forward dividend yield. Multiplies the most recent dividend payout amount by its frequency and divides by the previous close price.

Exp Ratio

Expense ratio is the fund’s total annual operating expenses, including management fees, distribution fees, and other expenses, expressed as a percentage of average net assets.

Watchlist

MoA Clear Passage 2040 Fund

MURLX | Fund

$16.37

$1.33 B

1.85%

$0.31

0.37%

Vitals

YTD Return

8.1%

1 yr return

16.6%

3 Yr Avg Return

15.0%

5 Yr Avg Return

N/A

Net Assets

$1.33 B

Holdings in Top 10

99.2%

52 WEEK LOW AND HIGH

$16.5
N/A
N/A

Expenses

OPERATING FEES

Expense Ratio 0.37%

SALES FEES

Front Load N/A

Deferred Load N/A

TRADING FEES

Turnover 11.55%

Redemption Fee N/A

Min Investment

Standard (Taxable)

$0

IRA

N/A

Fund Classification

Fund Type

Open End Mutual Fund

Name

As of 07/13/2026

Price

Aum/Mkt Cap

YIELD

Annualized forward dividend yield. Multiplies the most recent dividend payout amount by its frequency and divides by the previous close price.

Exp Ratio

Expense ratio is the fund’s total annual operating expenses, including management fees, distribution fees, and other expenses, expressed as a percentage of average net assets.

Watchlist

MoA Clear Passage 2040 Fund

MURLX | Fund

$16.37

$1.33 B

1.85%

$0.31

0.37%

MURLX - Profile

Distributions

  • YTD Total Return 8.1%
  • 3 Yr Annualized Total Return 15.0%
  • 5 Yr Annualized Total Return N/A
  • Capital Gain Distribution Frequency Annually
  • Net Income Ratio 1.22%
DIVIDENDS
  • Dividend Yield 1.9%
  • Dividend Distribution Frequency SemiAnnual

Fund Details

  • Legal Name
    MoA Clear Passage 2040 Fund
  • Fund Family Name
    Mutual of America
  • Inception Date
    Nov 30, 2021
  • Shares Outstanding
    58740066
  • Share Class
    Other
  • Currency
    USD
  • Domiciled Country
    US
  • Manager
    Joseph Gaffoglio

Fund Description

The Fund invests in shares of other series of the MoA Funds in proportions that the Adviser selects to seek to meet the objective of the Fund, which will move toward preservation of capital and production of income as the Target Retirement Date approaches. As of December 31, 2025, the Fund’s asset allocation among the underlying funds was as follows: ●MoA Core Bond Fund: 13.60% ●MoA Equity Index Fund: 43.10% ●MoA Intermediate Bond Fund: 5.60% ●MoA International Fund: 21.60% ●MoA Mid Cap Equity Index Fund: 7.80% ●MoA Mid Cap Growth Fund: 0.90% ●MoA Mid Cap Value Fund: 0.90% ●MoA Small Cap Equity Index Fund: 1.70% ●MoA Small Cap Growth Fund: 1.50% ●MoA Small Cap Value Fund: 1.50% ●MoA US Government Money Market Fund: 1.80% The Clear Passage 2040 Fund is designed for investors who retired or began withdrawing assets around the year 2040. Under normal circumstances, the asset allocation will change over time according to a predetermined “glide path” as the Clear Passage Fund approaches the approximate year of retirement which is included in the Fund's name (“Target Retirement Date”). The glide path above represents the shifting of asset classes over time. As the glide path shows, generally, the less time that remains until the Target Retirement Date, and for a 10 year period after the Target Retirement Date, the more the Fund will invest in fixed income and the less it will invest in equity. At the Fund's Target Retirement Date, it can have 45% (which can vary by plus or minus 10%) of its assets invested in equities. The Adviser seeks to achieve its investment objectives by investing shares in MoA Funds in a variety of investment categories, including large, mid and small capitalization equity funds and fixed income funds. The Fund's equity exposure may be allocated among companies of varying market capitalizations and between domestic and international equities as determined by the Adviser. The Fund's fixed income exposure may be allocated among securities of different fixed income sectors and with varying duration and credit quality as determined by the Adviser. The periodic reallocations of the assets of each Clear Passage Fund will be affected by other matters aside from the period of time remaining until the Target Retirement Date, such as current market conditions, the economy, unanticipated events and other factors, so there is no precise timetable or formula for the reallocations of the Target Date Funds, but the target allocations are not expected to vary from the chart by more than plus or minus ten percentage points.
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MURLX - Performance

Return Ranking - Trailing

Period MURLX Return Category Return Low Category Return High Rank in Category (%)
YTD 8.1% 1.6% 12.6% 69.59%
1 Yr 16.6% 11.1% 22.1% 70.76%
3 Yr 15.0%* 9.6% 17.5% 47.95%
5 Yr N/A* 4.0% 9.5% 12.92%
10 Yr N/A* 6.9% 11.8% 7.94%

* Annualized

Return Ranking - Calendar

Period MURLX Return Category Return Low Category Return High Rank in Category (%)
2025 7.5% -2.4% 17.8% 77.19%
2024 4.9% -3.2% 15.0% 83.04%
2023 N/A 9.0% 18.3% N/A
2022 N/A -37.2% -15.9% N/A
2021 N/A -6.3% 17.5% N/A

Total Return Ranking - Trailing

Period MURLX Return Category Return Low Category Return High Rank in Category (%)
YTD 8.1% 1.6% 12.6% 69.59%
1 Yr 16.6% 11.1% 22.1% 70.76%
3 Yr 15.0%* 9.6% 17.5% 47.95%
5 Yr N/A* 4.0% 9.5% 11.93%
10 Yr N/A* 6.9% 11.8% 7.26%

* Annualized

Total Return Ranking - Calendar

Period MURLX Return Category Return Low Category Return High Rank in Category (%)
2025 17.0% 9.8% 25.4% 74.27%
2024 14.3% -0.3% 22.2% 20.47%
2023 N/A 12.5% 37.9% N/A
2022 N/A -19.9% -2.8% N/A
2021 N/A 8.3% 22.1% N/A

NAV & Total Return History

MURLX - Holdings

Concentration Analysis

MURLX Category Low Category High MURLX % Rank
Net Assets 1.33 B 28.2 M 120 B 46.78%
Number of Holdings 12 3 88 75.44%
Net Assets in Top 10 1.32 B 27.5 M 108 B 44.44%
Weighting of Top 10 99.19% 55.3% 116.4% 26.63%

Top 10 Holdings

  1. MOA EQUITY INDEX FUND 41.80%
  2. MOA INTERNATIONAL FUND 21.71%
  3. MOA CORE BOND FUND 14.73%
  4. MOA INTERMEDIATE BOND FUND 6.72%
  5. MOA MID CAP EQUITY INDEX FUND 6.06%
  6. MoA Funds Corp. MOA US GOV MMKT 2.33%
  7. MOA SMALL CAP EQUITY INDEX FUND 1.81%
  8. MOA SMALL CAP GROWTH FUND 1.57%
  9. MOA SMALL CAP VALUE FUND 1.57%
  10. MOA MID CAP VALUE FUND 0.90%

Asset Allocation

Weighting Return Low Return High MURLX % Rank
Stocks 		97.68% 0.00% 100.03% 69.01%
Cash 		2.33% 0.00% 18.23% 9.94%
Preferred Stocks 		0.00% 0.00% 0.03% 49.71%
Other 		0.00% -0.12% 0.81% 38.01%
Convertible Bonds 		0.00% 0.00% 0.98% 100.00%
Bonds 		0.00% 0.00% 16.22% 63.16%

Stock Sector Breakdown

Weighting Return Low Return High MURLX % Rank
Technology 		20.25% 16.60% 24.03% 26.90%
Financial Services 		13.61% 13.11% 18.83% 79.53%
Consumer Cyclical 		13.32% 9.11% 13.32% 0.58%
Healthcare 		12.48% 10.75% 14.53% 49.12%
Industrials 		12.21% 9.02% 12.29% 5.85%
Communication Services 		7.19% 5.69% 9.96% 53.22%
Consumer Defense 		6.10% 4.75% 8.27% 76.02%
Real Estate 		4.90% 1.87% 10.11% 37.43%
Basic Materials 		3.85% 3.33% 6.86% 80.70%
Energy 		3.09% 2.43% 6.31% 93.57%
Utilities 		3.00% 1.90% 3.69% 22.22%

Stock Geographic Breakdown

Weighting Return Low Return High MURLX % Rank
US 		97.68% 0.00% 100.03% 69.01%
Non US 		0.00% 0.00% 31.64% 52.63%

MURLX - Expenses

Operational Fees

MURLX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Expense Ratio 0.37% 0.05% 4.73% 84.12%
Management Fee 0.05% 0.00% 0.85% 32.74%
12b-1 Fee N/A 0.00% 1.00% N/A
Administrative Fee N/A 0.01% 0.29% N/A

Sales Fees

MURLX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Front Load N/A 3.50% 5.75% N/A
Deferred Load N/A 1.00% 4.00% N/A

Trading Fees

MURLX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Max Redemption Fee N/A N/A N/A N/A

Related Fees

Turnover provides investors a proxy for the trading fees incurred by mutual fund managers who frequently adjust position allocations. Higher turnover means higher trading fees.

MURLX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Turnover 11.55% 2.00% 112.00% 14.38%

MURLX - Distributions

Dividend Yield Analysis

MURLX Category Low Category High MURLX % Rank
Dividend Yield 1.85% 0.00% 8.83% 87.72%

Dividend Distribution Analysis

MURLX Category Low Category High Category Mod
Dividend Distribution Frequency SemiAnnual Annual Annual Annual

Net Income Ratio Analysis

MURLX Category Low Category High MURLX % Rank
Net Income Ratio 1.22% -0.21% 4.18% 55.42%

Capital Gain Distribution Analysis

MURLX Category Low Category High Capital Mode
Capital Gain Distribution Frequency Annually Annually Annually Annually

Distributions History

View More +

MURLX - Fund Manager Analysis

Managers

Joseph Gaffoglio

Start Date

Tenure

Tenure Rank

May 01, 2014

8.09

8.1%

Joseph R. Gaffoglio, Executive Vice President of Mutual of America Capital Management LLC, since 2014. Gaffoglio is a senior vice president of America Capital Management Corporation, and joined the firm in 2005 from Prudential Equity Group, LLC. He has approximately 17 years of experience in the financial industry. Mr. Gaffoglio’s primary focus has been quantitative research and risk management.

Jamie Zendel

Start Date

Tenure

Tenure Rank

May 01, 2021

1.08

1.1%

Jamie A. Zendel, Vice President of the Mutual of America Capital Management Corp, handles indexed investments. She has been the portfolio manager since 2014. Ms. Zendel joined the Mutual of America Capital Management Corp in July 2007.

Tenure Analysis

Category Low Category High Category Average Category Mode
0.08 17.59 5.89 2.41

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