X0101 EFFECT 33 LIVE 2010-02-26 0001144204-10-003163 485APOS 0001469192 MAINSTAY FUNDS TRUST 333-160918 S000028518 MainStay Cash Reserves Fund C000087274 Class I S000028518 MainStay Cash Reserves Fund C000087275 Sweep Shares S000028519 MainStay ICAP Equity Fund C000087276 Investor Class S000028519 MainStay ICAP Equity Fund C000087277 Class A S000028519 MainStay ICAP Equity Fund C000087278 Class C S000028519 MainStay ICAP Equity Fund C000087279 Class I S000028519 MainStay ICAP Equity Fund C000087280 Class R1 S000028519 MainStay ICAP Equity Fund C000087281 Class R2 S000028519 MainStay ICAP Equity Fund C000087282 Class R3 S000028520 MainStay ICAP Select Equity Fund C000087283 Investor Class S000028520 MainStay ICAP Select Equity Fund C000087284 Class A S000028520 MainStay ICAP Select Equity Fund C000087285 Class B S000028520 MainStay ICAP Select Equity Fund C000087286 Class C S000028520 MainStay ICAP Select Equity Fund C000087287 Class I S000028520 MainStay ICAP Select Equity Fund C000087288 Class R1 S000028520 MainStay ICAP Select Equity Fund C000087289 Class R2 S000028520 MainStay ICAP Select Equity Fund C000087290 Class R3 S000028521 MainStay ICAP Global Fund C000087291 Investor Class S000028521 MainStay ICAP Global Fund C000087292 Class A S000028521 MainStay ICAP Global Fund C000087293 Class C S000028521 MainStay ICAP Global Fund C000087294 Class I S000028522 MainStay ICAP International Fund C000087295 Investor Class S000028522 MainStay ICAP International Fund C000087296 Class A S000028522 MainStay ICAP International Fund C000087297 Class C S000028522 MainStay ICAP International Fund C000087298 Class I S000028522 MainStay ICAP International Fund C000087299 Class R1 S000028522 MainStay ICAP International Fund C000087300 Class R2 S000028522 MainStay ICAP International Fund C000087301 Class R3 S000028523 MainStay Epoch U.S. All Cap Fund C000087302 Investor Class S000028523 MainStay Epoch U.S. All Cap Fund C000087303 Class A S000028523 MainStay Epoch U.S. All Cap Fund C000087304 Class B S000028523 MainStay Epoch U.S. All Cap Fund C000087305 Class C S000028523 MainStay Epoch U.S. All Cap Fund C000087306 Class I S000028524 MainStay Growth Equity Fund C000087307 Investor Class S000028524 MainStay Growth Equity Fund C000087308 Class A S000028524 MainStay Growth Equity Fund C000087309 Class B S000028524 MainStay Growth Equity Fund C000087310 Class C S000028524 MainStay Growth Equity Fund C000087311 Class I S000028525 MainStay S&P 500 Index Fund C000087312 Investor Class S000028525 MainStay S&P 500 Index Fund C000087313 Class A S000028525 MainStay S&P 500 Index Fund C000087314 Class I S000028526 MainStay Retirement 2010 Fund C000087315 Investor Class S000028526 MainStay Retirement 2010 Fund C000087316 Class A S000028526 MainStay Retirement 2010 Fund C000087317 Class I S000028526 MainStay Retirement 2010 Fund C000087318 Class R1 S000028526 MainStay Retirement 2010 Fund C000087319 Class R2 S000028526 MainStay Retirement 2010 Fund C000087320 Class R3 S000028527 MainStay Retirement 2020 Fund C000087321 Investor Class S000028527 MainStay Retirement 2020 Fund C000087322 Class A S000028527 MainStay Retirement 2020 Fund C000087323 Class I S000028527 MainStay Retirement 2020 Fund C000087324 Class R1 S000028527 MainStay Retirement 2020 Fund C000087325 Class R2 S000028527 MainStay Retirement 2020 Fund C000087326 Class R3 S000028528 MainStay Retirement 2030 Fund C000087327 Investor Class S000028528 MainStay Retirement 2030 Fund C000087328 Class A S000028528 MainStay Retirement 2030 Fund C000087329 Class I S000028528 MainStay Retirement 2030 Fund C000087330 Class R1 S000028528 MainStay Retirement 2030 Fund C000087331 Class R2 S000028528 MainStay Retirement 2030 Fund C000087332 Class R3 S000028529 MainStay Floating Rate Fund C000087333 Investor Class S000028529 MainStay Floating Rate Fund C000087334 Class A S000028529 MainStay Floating Rate Fund C000087335 Class B S000028529 MainStay Floating Rate Fund C000087336 Class C S000028529 MainStay Floating Rate Fund C000087337 Class I S000028530 MainStay Retirement 2040 Fund C000087338 Investor Class S000028530 MainStay Retirement 2040 Fund C000087339 Class A S000028530 MainStay Retirement 2040 Fund C000087340 Class I S000028530 MainStay Retirement 2040 Fund C000087341 Class R1 S000028530 MainStay Retirement 2040 Fund C000087342 Class R2 S000028530 MainStay Retirement 2040 Fund C000087343 Class R3 S000028531 MainStay Retirement 2050 Fund C000087344 Class I S000028531 MainStay Retirement 2050 Fund C000087345 Class R1 S000028531 MainStay Retirement 2050 Fund C000087346 Class R2 S000028531 MainStay Retirement 2050 Fund C000087347 Class R3 S000028531 MainStay Retirement 2050 Fund C000087348 Investor Class S000028531 MainStay Retirement 2050 Fund C000087349 Class A S000028532 MainStay Conservative Allocation Fund C000087350 Investor Class S000028532 MainStay Conservative Allocation Fund C000087351 Class A S000028532 MainStay Conservative Allocation Fund C000087352 Class B S000028532 MainStay Conservative Allocation Fund C000087353 Class C S000028532 MainStay Conservative Allocation Fund C000087354 Class I S000028533 MainStay Moderate Allocation Fund C000087355 Investor Class S000028533 MainStay Moderate Allocation Fund C000087356 Class A S000028533 MainStay Moderate Allocation Fund C000087357 Class B S000028533 MainStay Moderate Allocation Fund C000087358 Class C S000028533 MainStay Moderate Allocation Fund C000087359 Class I S000028534 MainStay Moderate Growth Allocation Fund C000087360 Investor Class S000028534 MainStay Moderate Growth Allocation Fund C000087361 Class A S000028534 MainStay Moderate Growth Allocation Fund C000087362 Class B S000028534 MainStay Moderate Growth Allocation Fund C000087363 Class C S000028534 MainStay Moderate Growth Allocation Fund C000087364 Class I S000028535 MainStay Growth Allocation Fund C000087365 Investor Class S000028535 MainStay Growth Allocation Fund C000087366 Class A S000028535 MainStay Growth Allocation Fund C000087367 Class B S000028535 MainStay Growth Allocation Fund C000087368 Class C S000028535 MainStay Growth Allocation Fund C000087369 Class I S000028536 MainStay Indexed Bond Fund C000087370 Class I S000028536 MainStay Indexed Bond Fund C000087371 Investor Class S000028536 MainStay Indexed Bond Fund C000087372 Class A S000028537 MainStay Intermediate Term Bond Fund C000087373 Investor Class S000028537 MainStay Intermediate Term Bond Fund C000087374 Class A S000028537 MainStay Intermediate Term Bond Fund C000087375 Class B S000028537 MainStay Intermediate Term Bond Fund C000087376 Class C S000028537 MainStay Intermediate Term Bond Fund C000087377 Class I S000028538 MainStay Short Term Bond Fund C000087378 Investor Class S000028538 MainStay Short Term Bond Fund C000087379 Class A S000028538 MainStay Short Term Bond Fund C000087380 Class I S000028539 MainStay 130/30 Core Fund C000087381 Investor Class S000028539 MainStay 130/30 Core Fund C000087382 Class A S000028539 MainStay 130/30 Core Fund C000087383 Class C S000028539 MainStay 130/30 Core Fund C000087384 Class I S000028540 MainStay 130/30 Growth Fund C000087385 Investor Class S000028540 MainStay 130/30 Growth Fund C000087386 Class A S000028540 MainStay 130/30 Growth Fund C000087387 Class C S000028540 MainStay 130/30 Growth Fund C000087388 Class I S000028541 MainStay High Yield Opportunities Fund C000087389 Investor Class S000028541 MainStay High Yield Opportunities Fund C000087390 Class A S000028541 MainStay High Yield Opportunities Fund C000087391 Class C S000028541 MainStay High Yield Opportunities Fund C000087392 Class I S000028542 MainStay 130/30 International Fund C000087393 Investor Class S000028542 MainStay 130/30 International Fund C000087394 Class A S000028542 MainStay 130/30 International Fund C000087395 Class C S000028542 MainStay 130/30 International Fund C000087396 Class I