LFTQX — MFS Lifetime 2070 Fund
Data updated: 2026-09-24
LFTQX — MFS Lifetime 2070 Fund. Money Market · $1.22M AUM · 0.80% expense ratio. Holdings, fees, performance and SEC filings.
LFTQX Fund Overview
LFTQX — MFS Lifetime 2070 Fund is a US mutual fund managed by Mfs Series Trust XII, categorised as Money Market. ABC INVEST provides holdings, performance, costs, cashflows, risk data, prospectus documents and SEC filings, sourced from SEC filings.
- Type: US mutual fund
- Manager: Mfs Series Trust XII
- Category: Money Market
- Assets under management: $1.22M
- Ticker: LFTQX
- SEC CIK: 0001330967
- SEC series ID: S000104920
- Share class ID: C000275574
LFTQX Investment Objective and Strategy
MFS Lifetime 2070 Fund describes its objective and strategy as follows, from its latest prospectus filed with the SEC by Mfs Series Trust XII.
Investment objective
The funds investment objective is to seek a high level of total return consistent with its asset allocation until the approximate retirement year in the fund's name; thereafter, the fund will seek total return through a combination of current income and capital appreciation. The asset allocation of the fund will change over time.
Principal investment strategy
The fund is designed to provide diversification among different asset classes for investors with the approximate retirement year in the fund's name. MFS (Massachusetts Financial Services Company, the fund's investment adviser) invests substantially all of the fund's assets in other MFS mutual funds, referred to as underlying funds. MFS selects the asset class allocations based on a strategic asset allocation process that takes into account a variety of factors, including historical risk and performance, projected performance, and other factors. MFS analyses of projected performance are primarily based on quantitative models using various inputs such as valuation metrics, growth rates, profitability, yields, and inflation. MFS may also consider current market conditions, its qualitative assessment of the risk/return characteristics of asset classes, and other factors in determining these allocations.
MFS employs the strategic asset allocation process described above to determine the amount of the fund's assets invested in (1) underlying funds that invest primarily in equity securities (Equity Funds) and underlying funds that provide exposure to less traditional asset classes, currently real estate and commodities (Non-Traditional Funds) and (2) underlying funds that invest primarily in debt instruments (Bond Funds) and an underlying fund that invests in cash and/or cash equivalents (Money Market Fund). MFS selects the underlying funds within each asset class based on underlying fund classifications, historical risk, historical and projected performance of the represented asset classes, as well as other factors. Within the Equity Fund allocation, MFS seeks to diversify by geography (by including domestic and international underlying funds, including emerging market underlying funds), in terms of market capitalization (by including large, mid, and small capitalization underlying funds) and by style (by including both growth and value underlying funds).
A portion of the funds assets is also allocated to Non-Traditional Funds (i.e., asset classes less correlated to the overall equity and debt markets), which MFS believes provides further diversification benefits. Within the Bond Fund allocation, MFS includes underlying funds with varying degrees of geographic (potentially including emerging market), interest rate and credit exposure, including exposure to below investment grade quality debt instruments. A portion of the funds assets may also be allocated to the Money Market Fund. MFS normally invests the underlying funds assets across different industries, sectors, countries, and regions, but MFS may invest a significant percentage of the underlying funds' assets in issuers in a single industry, sector, country, or region. As of May 27, 2026, the funds approximate long-term strategic allocation among asset classes was: Equity Funds and Non-Traditional Funds 95% Bond Funds and Money Market Fund 5% All percentages are rounded to the nearest percent.
MFS may deviate from the long-term strategic allocations set forth above; however, any deviation from the long-term strategic allocation is not expected to be greater than plus or minus 10% under normal market conditions. At no time, however, will the fund's investments in Equity Funds and Non-Traditional Funds exceed 99%. Additionally, the funds allocation to Non-Traditional Funds will not typically exceed 20% of the funds assets. As of May 27, 2026, the funds approximate strategic allocation among asset classes was: Equity Funds and Non-Traditional Funds 94.0% U.S. Equity Funds 55.5% International Equity Funds 28.5% Non-Traditional Funds 10.0% Bond Funds and Money Market Fund 6.0% Bond Funds 5.0% Money Market Fund 1.0% All percentages are rounded to the nearest tenth of a percent. As a result, the sum of the asset class allocations presented in the table may not total 100%.
The asset class allocations for the fund, as well as the underlying funds and their weightings, are based on an allocation strategy designed for investors with the approximate retirement year in the funds name. Investors should also consider their age, personal circumstances, risk tolerance, and overall investment strategy and allocation. The asset allocation strategy will become increasingly conservative over time, shifting more weight from Equity Funds and Non-Traditional Funds to Bond Funds and the Money Market Fund. Upon reaching its stated target year, the funds allocation strategy will be aligned with the allocation strategy of MFS Lifetime Income Fund. It is expected that the fund will be combined with MFS Lifetime Income Fund within five years of the date that its asset allocation strategy matches the asset allocation strategy of MFS Lifetime Income Fund.
MFS Lifetime Income Fund is designed for investors who intend to withdraw assets over an extended period of time or who want an investment with an asset allocation mix similar to MFS Lifetime Income Fund's long-term strategic asset allocation. The chart below illustrates how the asset allocation strategy of the fund will change over time.
LFTQX Holdings
Top 10 holdings of MFS Lifetime 2070 Fund by percentage of net assets, from the fund's latest SEC N-PORT filing.
| Holding | % of net assets |
|---|---|
| MFS Blended Research International Equity Fund | 11.25% |
| MFS Blended Research Mid Cap Equity Fund | 10.19% |
| MFS Blended Research Value Equity Fund | 5.67% |
| MFS Value Fund | 5.63% |
| MFS Global Real Estate Fund | 5.27% |
| MFS Mid Cap Value Fund | 5.10% |
| MFS Commodity Strategy Fund | 5.00% |
| MFS Blended Research Growth Equity Fund | 4.97% |
| MFS Growth Fund | 4.95% |
| MFS Mid Cap Growth Fund | 4.89% |
LFTQX Portfolio Allocation
Asset-class allocation of MFS Lifetime 2070 Fund by percentage of net assets, from the latest SEC N-PORT filing.
| Asset class | Allocation |
|---|---|
| Equity | 100.2% |
LFTQX Performance
Total returns for LFTQX (as of 2026-10-01), from SEC filings.
| Period | Total return |
|---|---|
| YTD | 1.9% |
LFTQX Costs and Fees
LFTQX costs about $80 per $10,000 invested per year in fund expenses.
- Net expense ratio: 0.80%
- Gross expense ratio: 5.27%
LFTQX Debt Constituents
No individual debt constituents are reported in MFS Lifetime 2070 Fund's latest SEC N-PORT filing.
LFTQX Prospectus and SEC Filings
Official MFS Lifetime 2070 Fund filings on SEC EDGAR — prospectus, portfolio holdings and annual reports.
Related Funds
Other Money Market funds tracked on ABC INVEST:
Data Sources
ABC INVEST compiles this page from public filings made to the U.S. Securities and Exchange Commission (SEC) through EDGAR: portfolio holdings and monthly cashflows from Form N-PORT, expenses and returns from fund prospectuses (Form 485BPOS) and the SEC DERA Risk/Return Summary data sets, annual data from Form N-CEN, and shareholder reports from Form N-CSR.