AllianceBern 2030 Retirement Strat R (LTKRX)
Expense Ratio: 1.26%
Expected Lifetime Fees: $36,524.18
The AllianceBern 2030 Retirement Strat R fund (LTKRX) is a Target Date 2026-2030 fund started on 9/1/2005 and has $208.30 million in assets under management. The current manager has been running AllianceBern 2030 Retirement Strat R since 9/23/2005. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 0.50%
iShares S&P Target Date 2030 (TZL)
Expense Ratio: 0.11%
Expected Lifetime Fees: $3,595.26
The iShares S&P Target Date 2030 (TZL) is an Exchange Traded Fund. It is a "basket" of securities that index the Target Date 2026-2030 investment strategy and is an alternative to a Target Date 2026-2030 mutual fund. Fees are very low compared to a comparable mutual fund like AllianceBern 2030 Retirement Strat R because computers automatically manage the stocks.
|Mutual Fund Name||Ticker Symbol||Turnover||Assets (M)||Annual Fees|
|AllianceBern 2030 Retirement Strat A||LTJAX||12.0%||208||1.06%|
|AllianceBern 2030 Retirement Strat I||LTKIX||12.0%||208||0.76%|
|AllianceBern 2030 Retirement Strat K||LTKKX||12.0%||208||1.01%|
|American Century LIVESTRONG 2030 A||ARCMX||4.0%||548||1.11%|
|American Century LIVESTRONG 2030 Instl||ARCSX||4.0%||548||0.66%|
|American Century LIVESTRONG 2030 Inv||ARCVX||4.0%||548||0.86%|
|American Funds Trgt Date Ret 2030 A||AAETX||2.0%||1,700||0.78%|
|American Funds Trgt Date Ret 2030 R3||RCETX||2.0%||1,700||1.10%|
|American Funds Trgt Date Ret 2030 R4||RDETX||2.0%||1,700||0.78%|
|American Funds Trgt Date Ret 2030 R5||REETX||2.0%||1,700||0.47%|
|American Funds Trgt Date Ret 2030 R6||RFETX||2.0%||1,700||0.42%|
|BlackRock LifePath 2030 Institutional||STLDX||3.0%||971||0.85%|
|BlackRock LifePath 2030 Investor A||LPRDX||3.0%||971||1.10%|
|Fidelity Advisor Freedom 2030 I||FEFIX||16.0%||2,400||0.73%|
|Hartford Target Retirement 2030 A||HTHAX||34.0%||159||1.05%|
|JHancock2 Retirement Living 2030 R4||JLFGX||19.0%||837||1.10%|
|Manning & Napier Target 2030 I||MTPIX||40.0%||107||0.89%|
|Manning & Napier Target 2030 K||MTPKX||40.0%||107||1.14%|
|MFS Lifetime 2030 A||MLTAX||15.0%||117||1.15%|
|Oppenheimer Transition 2030 Y||OTHYX||13.0%||143||0.77%|
|Principal LifeTime 2030 A||PTCAX||10.7%||4,800||1.13%|
|Principal LifeTime 2030 R5||PTCPX||10.7%||4,800||1.01%|
|Russell LifePoints 2030 Strategy A||RRLAX||28.0%||181||1.06%|
|Russell LifePoints 2030 Strategy E||RRLEX||28.0%||181||1.06%|
|Russell LifePoints 2030 Strategy R1||RRLRX||28.0%||181||0.81%|
|Russell LifePoints 2030 Strategy R2||RRLTX||28.0%||181||1.06%|
|Russell LifePoints 2030 Strategy S||RRLSX||28.0%||181||0.81%|
|Russell LifePoints 2030 Strategy S||RRLSZ||28.0%||181||0.81%|
|Schwab Target 2030||SWDRX||8.0%||408||0.77%|
|T. Rowe Price Retirement 2030||TRRCX||16.2%||11,900||0.74%|
|T. Rowe Price Retirement 2030 Adv||PARCX||16.2%||11,900||0.99%|
|T. Rowe Price Retirement 2030 R||RRTCX||16.2%||11,900||1.24%|
|Wells Fargo Advantage DJ Target 2030 A||STHRX||26.0%||1,900||1.02%|
|Wells Fargo Advantage DJ Target 2030 Adm||WFLIX||26.0%||1,900||0.86%|
|Wells Fargo Advantage DJ Target 2030 I||WFOOX||26.0%||1,900||0.51%|
|Wells Fargo Advantage DJ Target 2030 Inv||WFETX||26.0%||1,900||0.92%|
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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