Fidelity Advisor Intermediate Bond T (FTBRX)
Expense Ratio: 0.80%
Expected Lifetime Fees: $24,322.95
The Fidelity Advisor Intermediate Bond T fund (FTBRX) is a Intermediate-Term Bond fund started on 9/10/1992 and has $623.40 million in assets under management. The current manager has been running Fidelity Advisor Intermediate Bond T since 12/23/2004. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 0.25%
Vanguard Intermediate-Term Bond ETF (BIV)
Expense Ratio: 0.11%
Expected Lifetime Fees: $3,595.26
The Vanguard Intermediate-Term Bond ETF (BIV) is an Exchange Traded Fund. It is a "basket" of securities that index the Intermediate-Term Bond investment strategy and is an alternative to a Intermediate-Term Bond mutual fund. Fees are very low compared to a comparable mutual fund like Fidelity Advisor Intermediate Bond T because computers automatically manage the stocks.
|Mutual Fund Name||Ticker Symbol||Turnover||Assets (M)||Annual Fees|
|AllianceBern Interm Bond Adv||ABQYX||115.0%||548||0.55%|
|AllianceBern Interm Bond I||ABQIX||115.0%||548||0.55%|
|American Beacon Intermediate Bd Instl||AABDX||75.0%||419||0.36%|
|American Beacon Intermediate Bond Fund Class Y||ACTYX||75.0%||419||0.65%|
|American Beacon Intermediate Bond Fund Investor Class||ABIPX||75.0%||419||0.79%|
|American Century Core Plus Instl||ACCUX||91.0%||250||0.46%|
|American Century Core Plus Inv||ACCNX||91.0%||250||0.66%|
|American Century Diversified Bond Instl||ACBPX||91.0%||5,500||0.41%|
|American Century Diversified Bond Inv||ADFIX||91.0%||5,500||0.61%|
|American Funds Bond Fund of Amer A||ABNDX||154.0%||33,500||0.60%|
|American Funds Bond Fund of Amer F-1||BFAFX||154.0%||33,500||0.63%|
|American Funds Bond Fund of Amer F-2||ABNFX||154.0%||33,500||0.36%|
|American Funds Bond Fund of Amer R4||RBFEX||154.0%||33,500||0.62%|
|American Funds Bond Fund of Amer R5||RBFFX||154.0%||33,500||0.32%|
|American Funds Bond Fund of Amer R6||RBFGX||154.0%||33,500||0.27%|
|Artio Total Return Bond A||BJBGX||219.0%||2,100||0.69%|
|Artio Total Return Bond I||JBGIX||219.0%||2,100||0.44%|
|Ave Maria Bond||AVEFX||27.0%||100||0.71%|
|Baird Aggregate Bond Inst||BAGIX||45.9%||1,600||0.30%|
|Baird Aggregate Bond Inv||BAGSX||45.9%||1,600||0.55%|
|Baird Core Plus Bond Inst||BCOIX||34.6%||1,700||0.30%|
|Baird Core Plus Bond Inv||BCOSX||34.6%||1,700||0.55%|
|Baird Intermediate Bond Inst||BIMIX||24.1%||763||0.30%|
|Baird Intermediate Bond Inv||BIMSX||24.1%||763||0.55%|
|BBH Broad Market N||BBBMX||28.0%||2,600||0.51%|
|Bernstein Intermediate Dur Inst||SIIDX||121.0%||1,100||0.45%|
|Bernstein Intermediate Duration||SNIDX||110.0%||4,900||0.56%|
|BlackRock Bond Allc Tgt Shares Ser C||BRACX||41.0%||349||0.00%|
|BlackRock Bond Allc Tgt Shares Ser M||BRAMX||523.0%||321||0.03%|
|BlackRock Bond Allc Tgt Shares Ser S||BRASX||192.0%||134||0.01%|
|BlackRock Bond Index K||WFBIX||122.0%||145||0.20%|
|BlackRock Core Bond BlackRock||CCBBX||726.0%||3,200||0.45%|
|BlackRock Core Bond Instl||BFMCX||726.0%||3,200||0.56%|
|BlackRock Total Return BlackRock||MPHQX||1.0%||2,800||0.41%|
|BlackRock Total Return Instl||MAHSZ||1.0%||2,800||0.56%|
|BNY Mellon Bond M||MPBFX||86.8%||1,300||0.55%|
|BNY Mellon Interm Bond M||MPIBX||45.2%||967||0.55%|
|Brown Advisory Intermediate Income A||BIATX||84.0%||315||0.73%|
|Brown Advisory Intermediate Income Instl||BIAIX||84.0%||315||0.53%|
|Calamos Total Return Bond I||CTRIX||41.5%||231||0.65%|
|Calvert Bond I||CBDIX||203.0%||768||0.52%|
|Calvert Income I||CINCX||223.0%||1,600||0.56%|
|Columbia Bond Fund Class T||CNDTX||136.0%||1,600||0.70%|
|Columbia Bond Z||UMMGX||136.0%||1,600||0.55%|
|Columbia Corporate Income Z||SRINX||183.0%||1,400||0.67%|
|Columbia Corporate Income Z||SRITZ||183.0%||1,400||0.67%|
|Columbia Corporate Income Z||SRN1Z||183.0%||1,400||0.67%|
|Columbia Diversified Bond R5||RSVBX||373.0%||3,100||0.54%|
|Columbia Intermediate Bond Z||SRB1Z||170.0%||2,900||0.59%|
|Columbia Intermediate Bond Z||SRBFX||170.0%||2,900||0.59%|
|Columbia Intermediate Bond Z||SRBTZ||170.0%||2,900||0.59%|
|CRA Qualified Investment Instl||CRANX||40.0%||1,300||0.51%|
|Delaware Core Plus Bond I||DUGIX||293.0%||201||0.65%|
|Delaware Corporate Bond Inst||DGCIX||204.0%||1,300||0.69%|
|Delaware Diversified Income Instl||DPFFX||237.0%||9,100||0.67%|
|DFA Intermediate-Term Extended Quality Portfolio Institutional Class Shares||DFTEX||15.0%||635||0.22%|
|Dodge & Cox Income||DODIX||27.0%||25,100||0.43%|
|Dodge & Cox Income||DODTZ||27.0%||25,100||0.43%|
|DoubleLine Core Fixed Income Fund Class I||DBLFX||81.0%||2,400||0.50%|
|DoubleLine Core Fixed Income Fund Class N||DLFNX||81.0%||2,400||0.75%|
|DoubleLine Total Return Bond Fund Class I||DBLTX||15.0%||25,400||0.50%|
|DoubleLine Total Return Bond Fund Class N||DLTNX||15.0%||25,400||0.75%|
|Dreyfus Bond Market Index Basic||DBIRX||30.0%||2,400||0.15%|
|Dreyfus Bond Market Index Inv||DBMIX||30.0%||2,400||0.40%|
|Dreyfus Intermediate Term Inc I||DITIX||371.2%||1,100||0.55%|
|Dreyfus/Standish Fixed-Income I||SDFIX||400.3%||222||0.56%|
|DWS Core Fixed Income Inst||MFINX||384.0%||389||0.68%|
|DWS Core Fixed Income S||SFXSX||384.0%||389||0.78%|
|DWS Core Plus Income Inst||SZIIX||379.0%||309||0.70%|
|DWS Core Plus Income S||SCS1Z||379.0%||309||0.71%|
|DWS Core Plus Income S||SCSBX||379.0%||309||0.71%|
|DWS US Bond Index A||BONDX||146.0%||413||0.71%|
|DWS US Bond Index Inst||BTUSX||146.0%||413||0.39%|
|DWS US Bond Index S||BONSX||146.0%||413||0.45%|
|Eagle Investment Grade Bond I||EGBLX||78.0%||129||0.60%|
|Eagle Investment Grade Bond R5||EGBTX||78.0%||129||0.60%|
|Federated Intermediate Corp Bd Instl||FIIFX||22.0%||425||0.57%|
|Federated Total Return Bond Instl||FTRBX||63.0%||7,400||0.36%|
|Federated Total Return Bond Svc||FTRFX||63.0%||7,400||0.66%|
|Fidelity Advisor Corporate Bond Fund Class T||FCBTX||242.0%||359||0.75%|
|Fidelity Advisor Intermediate Bond I||EFIPX||108.0%||623||0.58%|
|Fidelity Advisor Investment Gr Bd I||FGBPX||275.0%||5,000||0.48%|
|Fidelity Advisor Mortgage Securities I||FMSCX||490.0%||885||0.53%|
|Fidelity Advisor Mortgage Securities T||FMSAX||490.0%||885||0.79%|
|Fidelity Advisor Total Bond I||FEPIX||168.0%||14,300||0.54%|
|Fidelity Corporate Bond Fund||FCBFX||242.0%||359||0.45%|
|Fidelity Intermediate Bond||FTHRX||102.0%||4,200||0.45%|
|Fidelity Investment Grade Bond||FBNDX||275.0%||5,000||0.45%|
|Fidelity Mortgage Secs||FMSFX||490.0%||885||0.45%|
|Fidelity Spartan US Bond Index Fund Fidelity Advantage Class||FSITX||106.0%||14,800||0.11%|
|Fidelity Total Bond||FTBFX||168.0%||14,300||0.45%|
|Fifth Third Total Return Bond Instl||KNIIX||60.0%||222||0.64%|
|Franklin Strategic Mortgage A1||FSMTZ||539.8%||118||0.66%|
|Franklin Total Return Adv||FBDAX||255.6%||4,600||0.64%|
|Frost Total Return Bond A||FATRX||58.0%||763||0.77%|
|Frost Total Return Bond Inst||FIJEX||58.0%||763||0.52%|
|GE Instl Income Inv||GFIIX||393.0%||405||0.23%|
|GE Instl Income Svc||GEISX||393.0%||405||0.48%|
|Goldman Sachs Core Fxd-Inc Instl||GSFIX||687.0%||1,600||0.47%|
|Goldman Sachs Core Plus Fixed Income I||GSNIX||767.0%||350||0.49%|
|Goldman Sachs Invest Grade Credit A||GSGAX||120.0%||549||0.71%|
|Goldman Sachs Invest Grade Credit A||GSHSZ||120.0%||549||0.71%|
|Goldman Sachs Invest Grade Credit Inst||GSGDX||120.0%||549||0.37%|
|Hancock Horizon Core Bond Instl||HHBTX||26.0%||208||0.79%|
|Harbor Bond Instl||HABDX||666.0%||7,500||0.55%|
|Hartford Total Return Bond I||ITBIX||131.0%||1,900||0.62%|
|Hartford Total Return Bond R5||ITBTX||131.0%||1,900||0.59%|
|Hartford Total Return Bond Y||HABYX||131.0%||1,900||0.48%|
|HighMark Bond Fid||HMBDX||58.0%||393||0.72%|
|ICON Bond S||IOBZX||32.1%||100||0.75%|
|ING Intermediate Bond A||IIBAX||500.0%||861||0.68%|
|ING Intermediate Bond A||IIBCZ||500.0%||861||0.68%|
|ING Intermediate Bond I||IICIX||500.0%||861||0.38%|
|Invesco Van Kampen Corporate Bond Y||ACCHX||69.0%||972||0.67%|
|ISI North American Government Bond Fund Class I||NORIX||46.0%||165||0.78%|
|Janus Flexible Bond Fund Class A||JDFAX||147.0%||5,100||0.77%|
|Janus Flexible Bond Fund Class I||JFLEX||147.0%||5,100||0.56%|
|Janus Flexible Bond T||JAFIX||147.0%||5,100||0.71%|
|JHancock Bond I||JHBIX||73.0%||1,300||0.60%|
|JPMorgan Mortgage-Backed Securities A||OMBAX||21.0%||3,500||0.66%|
|JPMorgan Mortgage-Backed Securities Sel||OMBIX||21.0%||3,500||0.41%|
|Loomis Sayles Core Plus Bond Y||NERYX||86.0%||1,100||0.62%|
|Loomis Sayles Investment Grade Bond Y||LSIIX||19.0%||11,100||0.56%|
|Loomis Sayles Investment Grade Bond Y||LSNTZ||19.0%||11,100||0.56%|
|Lord Abbett Core Fixed Income I||LCRYX||668.7%||1,000||0.67%|
|Lord Abbett Income A||LAGCZ||149.3%||1,600||0.78%|
|Lord Abbett Income I||LAUYX||149.3%||1,600||0.58%|
|Lord Abbett Total Return I||LTRYX||645.0%||1,900||0.63%|
|Madison Mosaic Institutional Bond Y||MIIBX||9.0%||109||0.49%|
|MainStay Indexed Bond A||MIXAX||106.0%||497||0.78%|
|MainStay Indexed Bond I||MIXIX||106.0%||497||0.43%|
|MainStay Indexed Bond I||MIXSZ||106.0%||497||0.43%|
|MainStay Intermediate Term Bond I||MTMIX||104.0%||781||0.60%|
|Managers Fixed Income Inst||MFDYX||28.0%||143||0.60%|
|Managers PIMCO Bond||MBDFX||495.0%||1,300||0.59%|
|Manning & Napier Core Bond Fund||EXCRX||18.0%||170||0.72%|
|Manning & Napier Core Plus Bond Fund||EXCPX||35.0%||603||0.76%|
|MEMBERS Bond Y||MBOYX||12.0%||145||0.65%|
|Metropolitan West Intermediate Bond I||MWIIX||145.0%||290||0.45%|
|Metropolitan West Intermediate Bond M||MWIMX||145.0%||290||0.66%|
|Metropolitan West Total Return Bond I||MWTIX||156.0%||20,500||0.43%|
|Metropolitan West Total Return Bond M||MWTRX||156.0%||20,500||0.64%|
|MFS Bond I||MBDIX||58.0%||2,400||0.60%|
|MFS Bond R4||MFBJX||58.0%||2,400||0.60%|
|MFS Research Bond I||MRBIX||67.0%||3,300||0.65%|
|MFS Research Bond R4||MRBJX||67.0%||3,300||0.65%|
|Morgan Stanley Inst Core Plus FI Instl||MPFIX||225.0%||253||0.66%|
|Munder Bond A||MUCAX||258.0%||112||0.67%|
|Munder Bond Y||MUCYX||258.0%||112||0.42%|
|Nationwide Bond Index A||GBIAX||118.0%||1,400||0.68%|
|Neuberger Berman Core Bond Inst||NCRLX||379.0%||262||0.47%|
|Northern Bond Index||NOBOX||129.3%||2,400||0.16%|
|Northern Fixed Income||NOFIX||700.0%||1,600||0.46%|
|Nuveen Core Plus Bond A||FAFIX||91.0%||817||0.78%|
|Nuveen Core Plus Bond I||FFIIX||91.0%||817||0.53%|
|Nuveen Intermediate Term Bond A||FAIIX||58.0%||656||0.78%|
|Nuveen Intermediate Term Bond I||FINIX||58.0%||656||0.53%|
|Nuveen Strategic Income I||FCBYX||98.0%||621||0.61%|
|Oppenheimer Core Bond Y||OPBYX||94.0%||1,200||0.52%|
|Payden Core Bond||PYC1Z||118.0%||623||0.56%|
|Payden Core Bond||PYCBX||118.0%||623||0.56%|
|PIMCO Investment Grade Corp Bd Admin||PGCAX||124.0%||7,700||0.75%|
|PIMCO Investment Grade Corp Bd Instl||PIGIX||124.0%||7,700||0.50%|
|PIMCO Investment Grade Corp Bd P||PBDPX||124.0%||7,700||0.60%|
|PIMCO Moderate Duration Instl||PMDRX||391.0%||2,600||0.46%|
|PIMCO Moderate Duration P||PMOPX||391.0%||2,600||0.56%|
|PIMCO Mortgage-Backed Securities Adm||PMTAX||1.0%||536||0.75%|
|PIMCO Mortgage-Backed Securities Instl||PTRIX||1.0%||536||0.50%|
|PIMCO Mortgage-Backed Securities P||PMRPX||1.0%||536||0.60%|
|PIMCO Total Return Admin||PTRAX||584.0%||260,900||0.71%|
|PIMCO Total Return D||PTTDX||584.0%||260,900||0.75%|
|PIMCO Total Return Fund IV Institutional Class||PTUIX||771.0%||725||0.50%|
|PIMCO Total Return II Admin||PRADX||647.0%||3,300||0.75%|
|PIMCO Total Return II Instl||PMBIX||647.0%||3,300||0.50%|
|PIMCO Total Return II P||PMTPX||647.0%||3,300||0.60%|
|PIMCO Total Return III Admin||PRFAX||522.0%||3,800||0.75%|
|PIMCO Total Return III Fund Class P||PRAPX||522.0%||3,800||0.60%|
|PIMCO Total Return III Instl||PTSAX||522.0%||3,800||0.50%|
|PIMCO Total Return Instl||PTTRX||584.0%||260,900||0.46%|
|PIMCO Total Return P||PTTPX||584.0%||260,900||0.56%|
|Pioneer Bond Y||PICYX||36.0%||1,400||0.61%|
|PNC Bond I||PFDIX||80.0%||187||0.59%|
|PNC Total Return Bond I||PTVIX||76.0%||270||0.58%|
|Principal Income Inst||PIOIX||16.9%||2,100||0.52%|
|Principal Preferred Securities Inst||PPSIX||16.8%||3,800||0.76%|
|Principal Preferred Securities P||PPSPX||16.8%||3,800||0.76%|
|Prudential Total Return Bond Z||PDBZX||242.0%||1,900||0.60%|
|Putnam Income Y||PNCYX||339.0%||1,400||0.62%|
|Rainier Intermediate Fixed-Income Portfolio Fund||RIMFX||32.7%||106||0.55%|
|RidgeWorth Core Bond Fund A||STGIX||211.0%||489||0.62%|
|RidgeWorth Core Bond Fund I||STIGX||211.0%||489||0.35%|
|RidgeWorth Intermediate Bond A||IBASX||139.0%||1,200||0.60%|
|RidgeWorth Intermediate Bond I||SAMIX||139.0%||1,200||0.34%|
|RidgeWorth Total Return Bond A||CBPSX||170.0%||1,200||0.60%|
|RidgeWorth Total Return Bond I||SAMFX||170.0%||1,200||0.35%|
|RS Investment Quality Bond Fund Class Y||RSQYX||113.0%||213||0.66%|
|Russell Investment Grade Bond E||RFAEX||187.0%||1,900||0.77%|
|Russell Investment Grade Bond I||RFASX||187.0%||1,900||0.48%|
|Russell Investment Grade Bond I||RFASZ||187.0%||1,900||0.48%|
|Russell Investment Grade Bond S||RFATX||187.0%||1,900||0.56%|
|Russell Investment Grade Bond S||RFATZ||187.0%||1,900||0.56%|
|Russell Strategic Bond I||RFCSX||233.0%||8,300||0.71%|
|Russell Strategic Bond I||RFCSZ||233.0%||8,300||0.71%|
|Russell Strategic Bond S||RFCTX||233.0%||8,300||0.77%|
|Russell Strategic Bond S||RFCTZ||233.0%||8,300||0.77%|
|Schwab Premier Income||SWIIX||294.0%||424||0.61%|
|Schwab Total Bond Market||SWLBX||166.0%||973||0.29%|
|Scout Core Bond I||SCCIX||564.0%||168||0.40%|
|Scout Core Plus Bond Instl||SCPZX||623.0%||454||0.40%|
|Spartan U.S. Bond Index Investor||FBIDX||106.0%||14,800||0.22%|
|Sterling Capital Total Return Bond I||BIBTX||131.9%||557||0.59%|
|T. Rowe Price Instl Core Plus||TICPX||121.5%||188||0.42%|
|T. Rowe Price Instl Core Plus F||PFCPX||121.5%||188||0.57%|
|T. Rowe Price New Income||PRCIX||110.7%||17,500||0.64%|
|T. Rowe Price U.S. Bond Enhanced Index||PBDIX||112.8%||1,000||0.30%|
|Target Total Return Bond T||TATBX||243.0%||426||0.65%|
|TCW Core Fixed-Income I||TGCFX||280.5%||856||0.44%|
|TCW Core Fixed-Income N||TGFNX||280.5%||856||0.78%|
|TCW Total Return Bond I||TGLMX||141.3%||5,800||0.44%|
|TCW Total Return Bond N||TGMNX||141.3%||5,800||0.74%|
|TIAA-CREF Bond Instl||TIBDX||402.0%||2,300||0.33%|
|TIAA-CREF Bond Plus Inst||TIBFX||221.0%||1,100||0.35%|
|TIAA-CREF Bond Plus R||TCBRX||221.0%||1,100||0.60%|
|TIAA-CREF Bond Plus Retail||TCBPX||221.0%||1,100||0.59%|
|TIAA-CREF Bond R||TIDRX||402.0%||2,300||0.58%|
|TIAA-CREF Bond Retail||TIORX||402.0%||2,300||0.52%|
|Vanguard Interm-Term Bond Index Inv||VBIIX||61.0%||15,600||0.22%|
|Vanguard Interm-Term Bond Index Signal||VIBSX||61.0%||15,600||0.11%|
|Vanguard Interm-Term Investment-Grade Ad||VFIDX||49.0%||17,400||0.10%|
|Vanguard Interm-Term Invmt-Grade Inv||VFICX||49.0%||17,400||0.20%|
|Vanguard Interm-Tm Corp Bd Idx Signal||VICSX||80.0%||2,400||0.14%|
|Vanguard Mortgage-Backed Sec Idx Signal||VMBSX||344.0%||209||0.15%|
|Vanguard Total Bond Market Idx Instl Pls||VBMPX||73.0%||110,100||0.05%|
|Vanguard Total Bond Market Index Inst||VBTIX||73.0%||110,100||0.07%|
|Vanguard Total Bond Market Index Inv||VBMFX||73.0%||110,100||0.22%|
|Vanguard Total Bond Market Index Signal||VBTSX||73.0%||110,100||0.10%|
|Virtus Bond I||SAVYX||169.0%||163||0.79%|
|Wells Fargo Advantage Income Plus Fund Administrator Class||WIPDX||215.0%||737||0.74%|
|Wells Fargo Advantage Income Plus I||WIP2Z||215.0%||737||0.56%|
|Wells Fargo Advantage Ttl Return Bond Ad||MNTRX||761.0%||3,400||0.70%|
|Wells Fargo Advantage Ttl Return Bond I||MBFIX||761.0%||3,400||0.42%|
|Westcore Plus Bond||WTIBX||42.0%||1,700||0.55%|
|Westcore Plus Bond Institutional||WIIBX||42.0%||1,700||0.41%|
|Western Asset Core Bond FI||WAPIX||556.0%||3,000||0.75%|
|Western Asset Core Bond I||WATFX||556.0%||3,000||0.52%|
|Western Asset Core Plus Bond FI||WACIX||734.0%||9,400||0.78%|
|Western Asset Core Plus Bond I||WACPX||734.0%||9,400||0.45%|
|Western Asset Core Plus Bond IS||WAPSX||734.0%||9,400||0.43%|
|William Blair Bond I||WBFIX||28.0%||266||0.50%|
|William Blair Bond Inst||BBFIX||28.0%||266||0.35%|
|William Blair Bond N||WBBNX||28.0%||266||0.65%|
Turnover represents how much of a mutual fund's holdings are changed over the course of a year through buying and selling. Active mutual funds have an average turnover rate of about 85%, meaning that funds are turning over nearly all of their holdings every year. A high turnover means you could make lower returns because: 1) buying and selling stocks costs money through commissions and spreads and 2) the fund will distribute yearly capital gains which increases your taxes. Look for funds with turnover rates below 50%. For comparison, ETF turnover rates average around 10% or lower.
Generally, smaller funds do better than larger ones. The more assets in a mutual fund, the lower the chance that it will beat its index. Managers outperform an index by choosing stocks that are undervalued. In order to find these undervalued stocks, the manager has to know more than his competitors to develop an "edge." There are only a finite number of stocks a mutual fund manager can reasonably analyze and actively track to gain such a competitive edge. When the fund has more assets, the manager must analyze large companies because he needs to take larger positions. Large companies are more efficiently priced in the market and it becomes increasingly difficult to get an edge.
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MarketRiders provides users with access to a rich collection of resources, including various communications tools, a portfolio engine tool, forums, search services, personalized content and branded programming through its site which may be accessed through any various medium or device now known or hereafter developed (the "Service"). You also understand and agree that the Service may include advertisements and that these advertisements are necessary for MarketRiders to provide the Service. You also understand and agree that the Service may include certain communications from MarketRiders, such as service announcements, administrative messages and the MarketRiders Newsletter, and that these communications are considered part of MarketRiders membership and you will not be able to opt out of receiving them. Unless explicitly stated otherwise, any new features that augment or enhance the current Service, including the release of new MarketRiders properties, shall be subject to the TOS. You understand and agree that the Service is provided "AS-IS" and that MarketRiders assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings. You are responsible for obtaining access to the Service, and that access may involve third-party fees (such as Internet service provider or airtime charges). You are responsible for those fees, including those fees associated with the display or delivery of advertisements. In addition, you must provide and are responsible for all equipment necessary to access the Service.
In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service's registration form (the "Registration Data") and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or MarketRiders has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, MarketRiders has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).
You will receive a password and account designation upon completing the Service's registration process. You are responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify MarketRiders of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. MarketRiders cannot and will not be liable for any loss or damage arising from your failure to comply with this Section 4.
You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages, tags, or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from whom such Content originated. This means that you, and not MarketRiders, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service. MarketRiders does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will MarketRiders be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service. You agree to not use the Service to:
You acknowledge that MarketRiders may or may not pre-screen Content, but that MarketRiders and its designees shall have the right (but not the obligation) in their sole discretion to pre-screen, refuse, or move any Content that is available via the Service. Without limiting the foregoing, MarketRiders and its designees shall have the right to remove any Content that violates the TOS or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by MarketRiders or submitted to MarketRiders, including without limitation information in MarketRiders Message Boards and in all other parts of the Service.
You acknowledge, consent and agree that MarketRiders may access, preserve and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of MarketRiders, its users and the public.
You understand that the technical processing and transmission of the Service, including your Content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.
You understand that the Service and software embodied within the Service may include security components that permit digital materials to be protected, and that use of these materials is subject to usage rules set by MarketRiders and/or content providers who provide content to the Service. You may not attempt to override or circumvent any of the usage rules embedded into the Service. Any unauthorized reproduction, publication, further distribution or public exhibition of the materials provided on the Service, in whole or in part, is strictly prohibited.
When you register with MarketRiders, you acknowledge that in using MarketRiders services to send electronic communications (including but not limited to email, search queries, sending messages to MarketRiders blogs, Q and A, Research Library or MarketRiders Groups, uploading photos and files to MarketRiders Photos or Briefcase, and other Internet activities), you will be causing communications to be sent through MarketRiders's computer networks, portions of which are located in California, Texas, Virginia, and other locations in the United States and portions of which are located abroad. As a result, and also as a result of MarketRiders's network architecture and business practices and the nature of electronic communications, even communications that seem to be intrastate in nature can result in the transmission of interstate communications regardless of where you are physically located at the time of transmission. Accordingly, by agreeing to this Terms of Service, you acknowledge that use of the service results in interstate data transmissions.
Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.
MarketRiders does not claim ownership of Content you submit or make available for inclusion on the Service. However, with respect to Content you submit or make available for inclusion on publicly accessible areas of the Service, you grant MarketRiders the following worldwide, royalty-free and non-exclusive license(s), as applicable:
"Publicly accessible" areas of the Service are those areas of the MarketRiders network of properties that are intended by MarketRiders to be available to the general public. By way of example, publicly accessible areas of the Service would include MarketRiders Message Boards and portions of MarketRiders that are open to both members and visitors.
You agree to indemnify and hold MarketRiders and its subsidiaries, affiliates, officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Content you submit, post, transmit or otherwise make available through the Service, your use of the Service, your connection to the Service, your violation of the TOS, or your violation of any rights of another.
You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Service (including your MarketRiders ID), use of the Service, or access to the Service.
You acknowledge that MarketRiders may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that messages, message board postings or other uploaded Content will be retained by the Service, the maximum number of messages that may be sent from or received by an account on the Service, the maximum size of any message that may be sent from or received by an account on the Service, the maximum disk space that will be allotted on MarketRiders's servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Service in a given period of time. You agree that MarketRiders has no responsibility or liability for the deletion or failure to store any messages and other communications or other Content maintained or transmitted by the Service. You acknowledge that MarketRiders reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that MarketRiders reserves the right to modify these general practices and limits from time to time.
MarketRiders reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that MarketRiders shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.
You agree that MarketRiders may, under certain circumstances and without prior notice, immediately terminate your MarketRiders account, any associated email address, and access to the Service. Cause for such termination shall include, but not be limited to, (a) breaches or violations of the TOS or other incorporated agreements or guidelines, (b) requests by law enforcement or other government agencies, (c) a request by you (self-initiated account deletions), (d) discontinuance or material modification to the Service (or any part thereof), (e) unexpected technical or security issues or problems, (f) extended periods of inactivity, (g) engagement by you in fraudulent or illegal activities, and/or (h) nonpayment of any fees owed by you in connection with the Services. Termination of your MarketRiders account includes (a) removal of access to all offerings within the Service, (b) deletion of your password and all related information, files and content associated with or inside your account (or any part thereof), and (c) barring of further use of the Service. Further, you agree that all terminations for cause shall be made in MarketRiders's sole discretion and that MarketRiders shall not be liable to you or any third party for any termination of your account, any associated email address, or access to the Service.
Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that MarketRiders shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.
The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because MarketRiders has no control over such sites and resources, you acknowledge and agree that MarketRiders is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that MarketRiders shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.
You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service or by advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by MarketRiders or advertisers, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part.
MarketRiders grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on a single computer; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, nor to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Service. You agree not to access the Service by any means other than through the interface that is provided by MarketRiders for use in accessing the Service.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOU EXPRESSLY UNDERSTAND AND AGREE THAT MARKETRIDERS AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF MARKETRIDERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 16 AND 17 MAY NOT APPLY TO YOU.
If you intend to create or join any service, receive or request any news, messages, alerts or other information from the Service concerning companies, ETF quotes, investments or securities, please read the above Sections 17 and 18 again. They go doubly for you. In addition, for this type of information particularly, the phrase "Let the investor beware" is apt. The Service is provided for informational purposes only, and no Content included in the Service is intended for trading or investing purposes. MarketRiders and its licensors shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the Service, and shall not be responsible or liable for any trading or investment decisions based on such information.
You agree that, except as otherwise expressly provided in this TOS, there shall be no third-party beneficiaries to this agreement.
MarketRiders may provide you with notices, including those regarding changes to the TOS, by email, regular mail or postings on the Service.
MarketRiders respects the intellectual property of others, and we ask our users to do the same. MarketRiders may, in appropriate circumstances and at its discretion, disable and/or terminate the accounts of users who may be repeat infringers. If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide MarketRiders's with the following information:
MarketRiders's contact info for claims of copyright or other intellectual property infringement is as follows:
James Alan Cook
731A Emerson Street
Palo Alto, CA 94301
The TOS constitutes the entire agreement between you and MarketRiders and governs your use of the Service, superseding any prior agreements between you and MarketRiders with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other MarketRiders services, affiliate services, third-party content or third-party software.
Choice of Law and Forum.
The TOS and the relationship between you and MarketRiders shall be governed by the laws of the State of New York without regard to its conflict of law provisions. You and MarketRiders agree to submit to the personal and exclusive jurisdiction of the courts located within the county of New York, New York.
Waiver and Severability of Terms.
The failure of MarketRiders to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect.
No Right of Survivorship and Non-Transferability.
You agree that your MarketRiders account is non-transferable and any rights to your MarketRiders ID or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.
Statute of Limitations.
You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.
The section titles in the TOS are for convenience only and have no legal or contractual effect.
Please be advised that the answers provided by any member of the MarketRiders community represents his or own opinions, and that MarketRiders will not assess, verify or guarantee the suitability or profitability of any particular investment. You should not rely solely upon information provided on this page for purposes of transacting securities or other investments. You bear responsibility for your own investment research and decisions and should seek the advice of a qualified securities professional before making any investment.
Please report any violations of the TOS to us via the contact form.