# EDGAR Filing Document

**Accession Number:** 0000810695
**File Stem:** 0001580642-26-001778
**Filing Date:** 2026-3
**Character Count:** 11457
**Document Hash:** 4149e37edc1ff6c08858beab65cdbb94
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001580642-26-001778.hdr.sgml**: 20260312

**ACCESSION NUMBER**: 0001580642-26-001778

**CONFORMED SUBMISSION TYPE**: 24F-2NT

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260312

**DATE AS OF CHANGE**: 20260312

**EFFECTIVENESS DATE**: 20260312

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Mutual Fund & Variable Insurance Trust
- **CENTRAL INDEX KEY:** 0000810695

**ORGANIZATION NAME:**
- **EIN:** 043023766
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 24F-2NT
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-11905
- **FILM NUMBER:** 26748807

**BUSINESS ADDRESS:**
- **STREET 1:** C/O GEMINI FUND SERVICES, LLC
- **STREET 2:** 4221 NORTH 203RD STREET, SUITE 100
- **CITY:** ELKHORN
- **STATE:** NE
- **ZIP:** 68022-3474
- **BUSINESS PHONE:** 800-253-0412

**MAIL ADDRESS:**
- **STREET 1:** C/O GEMINI FUND SERVICES, LLC
- **STREET 2:** 4221 NORTH 203RD STREET, SUITE 100
- **CITY:** ELKHORN
- **STATE:** NE
- **ZIP:** 68022-3474

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HUNTINGTON FUNDS
- **DATE OF NAME CHANGE:** 20040922

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HUNTINGTON FUNDS /MA/
- **DATE OF NAME CHANGE:** 19990106

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MONITOR FUNDS
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### Rational Equity Armor Fund (Series ID: S000005856)

---

|  |  |  |
|:---|:---|:---|
| Class Name                                      | Ticker Symbol | Class ID   |
| Rational Equity Armor Fund Class A Shares       | HDCAX         | C000016036 |
| Rational Equity Armor Fund Institutional Shares | HDCTX         | C000016038 |
| Rational Equity Armor Fund Class C Shares       | HDCEX         | C000135443 |
| Rational Equity Armor Fund Class T Shares       | nan           | C000190775 |

---

### Rational Dynamic Brands Fund (Series ID: S000005874)

---

|  |  |  |
|:---|:---|:---|
| Class Name                                        | Ticker Symbol | Class ID   |
| Rational Dynamic Brands Fund Class A Shares       | HSUAX         | C000016090 |
| Rational Dynamic Brands Fund Institutional Shares | HSUTX         | C000016092 |
| Rational Dynamic Brands Fund Class C Shares       | HSUCX         | C000135444 |
| Rational Dynamic Brands Fund Class T Shares       | nan           | C000190776 |

---

### Rational Premium Income Fund (Series ID: S000017165)

---

|  |  |  |
|:---|:---|:---|
| Class Name                                        | Ticker Symbol | Class ID   |
| Rational Premium Income Fund Class A Shares       | HRSAX         | C000047568 |
| Rational Premium Income Fund Institutional Shares | HRSTX         | C000047570 |
| Rational Premium Income Fund Class C Shares       | HRSFX         | C000169250 |
| Rational Premium Income Class T Shares            | nan           | C000190777 |

---

### Rational Strategic Allocation Fund (Series ID: S000026200)

---

|  |  |  |
|:---|:---|:---|
| Class Name                                              | Ticker Symbol | Class ID   |
| Rational Strategic Allocation Fund Class A Shares       | RHSAX         | C000078667 |
| Rational Strategic Allocation Fund Class C Shares       | RHSCX         | C000169251 |
| Rational Strategic Allocation Fund Institutional Shares | RHSIX         | C000169252 |
| Rational Strategic Allocation Fund Class T Shares       | nan           | C000190778 |

---

### Return Stacked® Balanced Allocation & Systematic Macro Fund (Series ID: S000055002)

---

|  |  |  |
|:---|:---|:---|
| Class Name                                                                       | Ticker Symbol | Class ID   |
| Return Stacked® Balanced Allocation & Systematic Macro Fund Class A              | RDMAX         | C000172993 |
| Return Stacked® Balanced Allocation & Systematic Macro Fund Class C              | RDMCX         | C000172994 |
| Return Stacked® Balanced Allocation & Systematic Macro Fund Institutional Shares | RDMIX         | C000172995 |
| Return Stacked® Balanced Allocation & Systematic Macro Fund Class T              | nan           | C000190780 |

---

### Rational Special Situations Income Fund (Series ID: S000065726)

---

|  |  |  |
|:---|:---|:---|
| Class Name                                                   | Ticker Symbol | Class ID   |
| Rational Special Situations Income Fund Institutional Shares | RFXIX         | C000212569 |
| Rational Special Situations Income Fund Class A Shares       | RFXAX         | C000212570 |
| Rational Special Situations Income Fund Class C Shares       | RFXCX         | C000212571 |

---

### Rational/Pier 88 Convertible Securities Fund (Series ID: S000067226)

---

|  |  |  |
|:---|:---|:---|
| Class Name                                                        | Ticker Symbol | Class ID   |
| Rational/Pier 88 Convertible Securities Fund-Institutional Shares | PBXIX         | C000216241 |
| Rational/Pier 88 Convertible Securities Fund-Class A Shares       | PBXAX         | C000216242 |
| Rational/Pier 88 Convertible Securities Fund-Class C Shares       | PBXCX         | C000216243 |

---

### Rational/RGN Hedged Equity Fund (Series ID: S000086525)

---

|  |  |  |
|:---|:---|:---|
| Class Name                                          | Ticker Symbol | Class ID   |
| Rational/RGN Hedged Equity Fund Class C             | RNECX         | C000252105 |
| Rational/RGN Hedged Equity Fund Institutional Class | RNEIX         | C000252106 |
| Rational/RGN Hedged Equity Fund Class A             | RNEAX         | C000252107 |

---

## Series and Classes Contracts Data

### Rational Equity Armor Fund (Series ID: S000005856)

| Class ID   | Class Name                                      | Ticker Symbol   |
|:---|:---|:---|
| C000016036 | Rational Equity Armor Fund Class A Shares       | HDCAX           |
| C000016038 | Rational Equity Armor Fund Institutional Shares | HDCTX           |
| C000135443 | Rational Equity Armor Fund Class C Shares       | HDCEX           |
| C000190775 | Rational Equity Armor Fund Class T Shares       |  |

### Rational Dynamic Brands Fund (Series ID: S000005874)

| Class ID   | Class Name                                        | Ticker Symbol   |
|:---|:---|:---|
| C000016090 | Rational Dynamic Brands Fund Class A Shares       | HSUAX           |
| C000016092 | Rational Dynamic Brands Fund Institutional Shares | HSUTX           |
| C000135444 | Rational Dynamic Brands Fund Class C Shares       | HSUCX           |
| C000190776 | Rational Dynamic Brands Fund Class T Shares       |  |

### Rational Premium Income Fund (Series ID: S000017165)

| Class ID   | Class Name                                        | Ticker Symbol   |
|:---|:---|:---|
| C000047568 | Rational Premium Income Fund Class A Shares       | HRSAX           |
| C000047570 | Rational Premium Income Fund Institutional Shares | HRSTX           |
| C000169250 | Rational Premium Income Fund Class C Shares       | HRSFX           |
| C000190777 | Rational Premium Income Class T Shares            |  |

### Rational Strategic Allocation Fund (Series ID: S000026200)

| Class ID   | Class Name                                              | Ticker Symbol   |
|:---|:---|:---|
| C000078667 | Rational Strategic Allocation Fund Class A Shares       | RHSAX           |
| C000169251 | Rational Strategic Allocation Fund Class C Shares       | RHSCX           |
| C000169252 | Rational Strategic Allocation Fund Institutional Shares | RHSIX           |
| C000190778 | Rational Strategic Allocation Fund Class T Shares       |  |

### Return Stacked® Balanced Allocation & Systematic Macro Fund (Series ID: S000055002)

| Class ID   | Class Name                                                                       | Ticker Symbol   |
|:---|:---|:---|
| C000172993 | Return Stacked® Balanced Allocation & Systematic Macro Fund Class A              | RDMAX           |
| C000172994 | Return Stacked® Balanced Allocation & Systematic Macro Fund Class C              | RDMCX           |
| C000172995 | Return Stacked® Balanced Allocation & Systematic Macro Fund Institutional Shares | RDMIX           |
| C000190780 | Return Stacked® Balanced Allocation & Systematic Macro Fund Class T              |  |

### Rational Special Situations Income Fund (Series ID: S000065726)

| Class ID   | Class Name                                                   | Ticker Symbol   |
|:---|:---|:---|
| C000212569 | Rational Special Situations Income Fund Institutional Shares | RFXIX           |
| C000212570 | Rational Special Situations Income Fund Class A Shares       | RFXAX           |
| C000212571 | Rational Special Situations Income Fund Class C Shares       | RFXCX           |

### Rational/Pier 88 Convertible Securities Fund (Series ID: S000067226)

| Class ID   | Class Name                                                        | Ticker Symbol   |
|:---|:---|:---|
| C000216241 | Rational/Pier 88 Convertible Securities Fund-Institutional Shares | PBXIX           |
| C000216242 | Rational/Pier 88 Convertible Securities Fund-Class A Shares       | PBXAX           |
| C000216243 | Rational/Pier 88 Convertible Securities Fund-Class C Shares       | PBXCX           |

### Rational/RGN Hedged Equity Fund (Series ID: S000086525)

| Class ID   | Class Name                                          | Ticker Symbol   |
|:---|:---|:---|
| C000252105 | Rational/RGN Hedged Equity Fund Class C             | RNECX           |
| C000252106 | Rational/RGN Hedged Equity Fund Institutional Class | RNEIX           |
| C000252107 | Rational/RGN Hedged Equity Fund Class A             | RNEAX           |

## FORM 24F-2NT: Annual Notice of Securities Sold Pursuant to Rule 24f-2

### 24F-2NT: Filer Information

**Filer CIK:** 0000810695

**Is this a LIVE or TEST Filing?:** LIVE

**Filer Investment Company Type:** N-1A

### 24F-2NT: Annual Filing Information

**1. Name and address of issuer:**

- **Name of Issuer:** Mutual Fund & Variable Insurance Trust

- **Address:** 35 North New York Avenue, Huntington, NY 11743

**2. The Name and EDGAR Identifier of each series or class of securities for which this Form is filed:**

- [ ] Check box if the Form is being filed for all series and classes of the issuer.

**3. Investment Company Act File Number:** 811-05010

   **Securities Act File Number:** 033-11905

**4(a). Last day of fiscal year for which this Form is filed:** 12/31/2025

**4(b). Check box if this Form is being filed late:** [ ]

**4(c). Check box if this is the last time the issuer will be filing this Form:** [ ]

**5. Calculation of registration fee:**

- **(i) Aggregate sale price of securities sold during the fiscal year:** $750818428.61

- **(ii) Aggregate price of securities redeemed or repurchased during the fiscal year:** $509883609.00

- **(iii) Aggregate price of securities redeemed or repurchased during any prior fiscal year:** $2596008211.92

- **(iv) Total available redemption credits [add Items 5(ii) and 5(iii)]:** $3105891820.92

- **(v) Net sales:** $0.00

- **(vi) Redemption credits available for use in future years:** $-2355073392.31

- **(vii) Multiplier for determining registration fee:** 0.000138100

- **(viii) Registration fee due:** $0.00

**Signatures**

**Name and Title:** Erik Naviloff, Treasurer

**Date:** 03/05/2026

**Signature:** /s/ Erik Naviloff