FRTCX Performance — Franklin LifeSmart Retirement Income Fund, Class C
Data updated: 2026-08-27
FRTCX returned +4.07% year to date and +9.47% over one year to Jun 2026. Annualised returns are +8.62% over 3 years and +3.76% over 5 years. The fund trailed its US Blend category average: $100 invested three years ago grew to $128, against $149 for the category, and to $109 over one year, against $121. Volatility over the past three years was 6.48% a year. In the 12 months to Jun 2026 the fund lost a net $3.6M, and assets reached $44.20M.
FRTCX Growth of $100
What $100 invested in Franklin LifeSmart Retirement Income Fund grew to, compounded from monthly returns reported on SEC Form N-PORT, against the US Blend category average over the same months.
| Period | FRTCX | Category average |
|---|---|---|
| 1 year (Jul 2025 – Jun 2026) | $109 | $121 |
| 3 years (Jul 2023 – Jun 2026) | $128 | $149 |
| 5 years (Jul 2021 – Jun 2026) | $120 | $143 |
| Since data start (Jul 2019 – Jun 2026) | $137 | $177 |
FRTCX Trailing Returns
Total returns to Jun 2026, from SEC N-PORT.
| Period | Total return |
|---|---|
| YTD | +4.07% |
| 1 year | +9.47% |
| 3 years (annualised) | +8.62% |
| 5 years (annualised) | +3.76% |
FRTCX Annual Returns
Calendar-year total returns of Franklin LifeSmart Retirement Income Fund, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2026 (Jan–Jun) | +4.07% |
| 2025 | +9.08% |
| 2024 | +7.48% |
| 2023 | +10.88% |
| 2022 | −12.53% |
| 2021 | +4.56% |
| 2020 | +7.62% |
| 2019 (Jul–Dec) | +3.10% |
FRTCX Monthly Returns
Monthly total returns as reported on SEC Form N-PORT.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.6% | +1.4% | −3.5% | +3.2% | +1.4% | +0.1% | — | — | — | — | — | — |
| 2025 | +1.5% | +0.8% | −1.7% | −0.6% | +1.3% | +2.4% | +0.2% | +1.5% | +1.7% | +0.7% | +0.6% | +0.4% |
| 2024 | +0.1% | +1.0% | +1.7% | −2.5% | +2.5% | +0.9% | +1.7% | +1.8% | +1.4% | −1.6% | +2.4% | −1.9% |
| 2023 | +4.2% | −2.3% | +1.7% | +1.0% | −1.1% | +2.0% | +1.6% | −0.9% | −2.7% | −1.7% | +5.3% | +3.6% |
| 2022 | −2.2% | −1.8% | −0.4% | −4.9% | +0.7% | −5.2% | +4.3% | −2.6% | −6.1% | +2.5% | +5.0% | −1.8% |
| 2021 | −0.7% | −0.4% | +0.8% | +1.7% | +0.6% | +0.8% | +0.4% | +0.8% | −1.6% | +1.6% | −1.2% | +1.8% |
| 2020 | +0.4% | −2.0% | −5.4% | +3.8% | +1.9% | +0.4% | +2.0% | +1.2% | −1.0% | −0.9% | +5.3% | +2.0% |
| 2019 | — | — | — | — | — | — | +0.3% | +0.2% | +0.7% | +0.5% | +0.3% | +1.1% |
FRTCX Risk
Risk measures from monthly returns over Jul 2023 – Jun 2026.
- 3-year volatility (annualised): 6.48%
- 3-year Sharpe ratio: 0.64 (vs 4.5% risk-free rate)
- Best month: +5.31% (Nov 2023)
- Worst month: −3.52% (Mar 2026)
FRTCX Fund Flows
Monthly money in and out of Franklin LifeSmart Retirement Income Fund, from SEC Form N-PORT.
- 12-month net flow: −$3.6M
- 12-month gross sales (incl. reinvestments): $7.3M
- Sales ÷ redemptions: 0.67×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Jun 2026 | $352K | $1.1M | −$716K |
| May 2026 | $423K | $483K | −$60K |
| Apr 2026 | $759K | $566K | $193K |
| Mar 2026 | $918K | $1.1M | −$166K |
| Feb 2026 | $550K | $1.2M | −$605K |
| Jan 2026 | $608K | $723K | −$115K |
| Dec 2025 | $893K | $675K | $217K |
| Nov 2025 | $385K | $1.7M | −$1.3M |
| Oct 2025 | $438K | $803K | −$365K |
| Sep 2025 | $519K | $1.3M | −$749K |
| Aug 2025 | $345K | $542K | −$197K |
| Jul 2025 | $1.1M | $798K | $289K |
FRTCX Assets Under Management
Net assets of Franklin LifeSmart Retirement Income Fund by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2026-06-30 | $44.20M |
| 2026-03-31 | $43.12M |
| 2025-12-31 | $44.64M |
| 2025-09-30 | $46.07M |
| 2025-06-30 | $45.58M |
| 2025-03-31 | $45.29M |
| 2024-12-31 | $44.84M |
| 2024-09-30 | $46.31M |
| 2024-06-30 | $44.53M |
| 2024-03-31 | $45.80M |
| 2023-12-31 | $47.05M |
| 2023-09-30 | $43.65M |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.