PL Port Optimization Mod-Agrsv B (PODBX)
Expense Ratio: 2.13%
Expected Lifetime Fees: $56,483.04
The PL Port Optimization Mod-Agrsv B fund (PODBX) is a Aggressive Allocation fund started on 12/31/2003 and has $700.50 million in assets under management. The current manager has been running PL Port Optimization Mod-Agrsv B since 1/23/2004. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 1.00%
iShares Aggressive Allocation Fund (AOA)
Expense Ratio: 0.11%
Expected Lifetime Fees: $3,595.26
The iShares Aggressive Allocation Fund (AOA) is an Exchange Traded Fund. It is a "basket" of securities that index the Aggressive Allocation investment strategy and is an alternative to a Aggressive Allocation mutual fund. Fees are very low compared to a comparable mutual fund like PL Port Optimization Mod-Agrsv B because computers automatically manage the stocks.
|Mutual Fund Name||Ticker Symbol||Turnover||Assets (M)||Annual Fees|
|American Century One Choice Agrsv Inv||AOGIX||11.0%||548||0.95%|
|American Century Strat Allc: Agrsv A||ACVAX||91.0%||1,000||1.46%|
|American Century Strat Allc: Agrsv Inst||AAAIX||91.0%||1,000||1.01%|
|American Century Strat Allc: Agrsv Inv||TWSAX||91.0%||1,000||1.21%|
|American Century Strat Allc: Agrsv R||AAARX||91.0%||1,000||1.71%|
|Calamos Growth & Income A||CVTRX||55.1%||4,300||1.08%|
|Calamos Growth & Income B||CVTYX||55.1%||4,300||1.83%|
|Calamos Growth & Income C||CVTCX||55.1%||4,300||1.83%|
|Calamos Growth & Income I||CGIIX||55.1%||4,300||0.83%|
|Columbia Marsico Flexible Capital Fund Class Z||CCMZX||214.0%||182||1.25%|
|Columbia Port Builder Aggressive A||AXBAX||83.0%||531||1.27%|
|Columbia Port Builder Aggressive B||AXPBX||83.0%||531||2.02%|
|Columbia Port Builder Aggressive C||RBGCX||83.0%||531||2.02%|
|Columbia Portfolio Builder Aggressive Fund Class R4||CAGRX||83.0%||531||1.14%|
|Columbia Strategic Allocation A||IMRFX||142.0%||854||1.26%|
|Columbia Strategic Allocation B||IMRBX||142.0%||854||2.01%|
|Columbia Strategic Allocation C||RSSCX||142.0%||854||2.01%|
|Columbia Strategic Allocation Fund Class R||CSARX||142.0%||854||1.51%|
|Columbia Thermostat A||CTFAX||130.0%||387||1.15%|
|Columbia Thermostat B||CTFBX||130.0%||387||1.65%|
|Columbia Thermostat C||CTFDX||130.0%||387||1.90%|
|Columbia Thermostat Z||COTZX||130.0%||387||0.90%|
|Davis Appreciation & Income A||RPFCX||20.0%||345||0.93%|
|Davis Appreciation & Income B||DCSBX||20.0%||345||1.84%|
|Davis Appreciation & Income C||DCSCX||20.0%||345||1.74%|
|Davis Appreciation & Income Y||DCSYX||20.0%||345||0.74%|
|Fidelity Advisor Asset Manager 85% T||FEYTX||20.0%||753||1.37%|
|Fidelity Asset Manager 85%||FAMRX||20.0%||753||0.84%|
|Fidelity Four-in-One Index||FFNOX||16.0%||2,200||0.21%|
|Fifth Third LifeModel Mod Agrsv Instl||LMAIX||18.0%||158||1.05%|
|Franklin Templeton Founding Allc A||FFASZ||3.7%||5,300||1.06%|
|Franklin Templeton Founding Allc Adv||FFAAX||3.7%||5,300||0.81%|
|Franklin Templeton Founding Allc B||FFABX||3.7%||5,300||1.81%|
|Franklin Templeton Founding Allc R||FFARX||3.7%||5,300||1.31%|
|Franklin Templeton Growth Allocation A||FGTCZ||20.2%||1,100||1.24%|
|Franklin Templeton Growth Allocation A||FGTIX||20.2%||1,100||1.24%|
|Franklin Templeton Growth Allocation Adv||FGTZX||20.2%||1,100||0.99%|
|Hartford Growth Allocation A||HRAAX||36.0%||840||1.31%|
|Hartford Growth Allocation B||HRABX||36.0%||840||2.10%|
|Hartford Growth Allocation C||HRACX||36.0%||840||2.05%|
|Hartford Growth Allocation I||HRAIX||36.0%||840||0.98%|
|Invesco Growth Allocation A||AADAX||28.0%||834||1.36%|
|Invesco Growth Allocation B||AAEBX||28.0%||834||2.11%|
|Invesco Growth Allocation C||AADCX||28.0%||834||2.11%|
|Invesco Growth Allocation I||AADIX||28.0%||834||0.91%|
|Invesco Van Kampen Leaders A||VFFSZ||7.0%||165||1.26%|
|Invesco Van Kampen Leaders A||VLFAX||7.0%||165||1.26%|
|Invesco Van Kampen Leaders B||VLFBX||7.0%||165||2.01%|
|Ivy Balanced A||IBNAX||37.0%||474||1.30%|
|Ivy Balanced Fund Class C||IBN1Z||37.0%||474||1.94%|
|Ivy Balanced Fund Class Y||IBNYX||37.0%||474||1.22%|
|Janus Growth Allocation Fund Class I||JGCIX||26.0%||225||0.93%|
|Janus Growth Allocation T||JSPGX||26.0%||225||1.03%|
|JHancock2 Lifestyle Growth A||JALGX||24.0%||11,200||1.44%|
|JHancock2 Lifestyle Growth R1||JPLGX||24.0%||11,200||1.78%|
|JHancock2 Lifestyle Growth R3||JRLGX||24.0%||11,200||1.67%|
|JHancock2 Lifestyle Growth R4||JSLGX||24.0%||11,200||1.28%|
|Legg Mason Lifestyle Allocation 85% A||SCHAX||36.0%||604||1.49%|
|Legg Mason Lifestyle Allocation 85% C||SCHCX||36.0%||604||2.06%|
|Leuthold Asset Allocation Instl||LAAIX||105.6%||765||1.18%|
|Leuthold Asset Allocation Retail||LAALX||105.6%||765||1.40%|
|Leuthold Core Investment I||LCRIX||83.2%||907||1.11%|
|Leuthold Core Investment Retail||LCORX||83.2%||907||1.22%|
|Lord Abbett Capital Structure A||LAMAX||22.0%||1,000||1.30%|
|Lord Abbett Capital Structure B||LAMBX||22.0%||1,000||1.95%|
|Lord Abbett Capital Structure C||LAMCX||22.0%||1,000||1.95%|
|Lord Abbett Capital Structure I||LAMYX||22.0%||1,000||0.95%|
|Lord Abbett Growth & Inc Strat A||LWSAX||25.0%||667||1.27%|
|Lord Abbett Growth & Inc Strat B||LWSBX||25.0%||667||2.02%|
|Lord Abbett Growth & Inc Strat I||LWSYX||25.0%||667||1.02%|
|MFS Growth Allocation Fund Class A||MAGWX||13.0%||2,900||1.18%|
|MFS Growth Allocation Fund Class B||MBGWX||13.0%||2,900||1.93%|
|Nationwide Inv Dest Mod Agrsv Svc||NDMSX||13.9%||1,700||0.86%|
|Nationwide Inv Destinations Mod Agrsv A||NDMAX||13.9%||1,700||0.73%|
|Nationwide Inv Destinations Mod Agrsv B||NDMBX||13.9%||1,700||1.46%|
|Nationwide Inv Destinations Mod Agrsv C||NDMCX||13.9%||1,700||1.46%|
|Nuveen Strategy Growth Allocation A||FAGSX||45.0%||148||1.26%|
|Nuveen Strategy Growth Allocation B||FSNBX||45.0%||148||2.01%|
|Nuveen Strategy Growth Allocation C||FSNCX||45.0%||148||2.01%|
|Nuveen Strategy Growth Allocation I||FSGYX||45.0%||148||1.01%|
|Oppenheimer Active Allc A||OAAAX||21.0%||1,900||1.21%|
|Oppenheimer Active Allc A||OAASZ||21.0%||1,900||1.21%|
|Oppenheimer Active Allc B||OAABX||21.0%||1,900||2.06%|
|Oppenheimer Active Allc C||OAACX||21.0%||1,900||1.96%|
|Oppenheimer Active Allc N||OAANX||21.0%||1,900||1.41%|
|Oppenheimer Active Allc Y||OAAYX||21.0%||1,900||0.86%|
|Pioneer Ibbotson Growth Allocation A||GRAAX||12.0%||203||1.57%|
|PL Portfolio Optimization Moderate-Aggressive Fund Class A||PODAX||7.5%||701||1.38%|
|PL Portfolio Optimization Moderate-Aggressive Fund Class A||PODSZ||7.5%||701||1.38%|
|Principal SAM Conservative Growth R5||PCWPX||31.9%||2,200||1.29%|
|Putnam Dynamic Asset Allocation: Gr A||PAEAX||98.0%||1,500||1.15%|
|Putnam Dynamic Asset Allocation: Gr B||PAEBX||98.0%||1,500||1.90%|
|Putnam Dynamic Asset Allocation: Gr C||PAECX||98.0%||1,500||1.90%|
|Putnam Dynamic Asset Allocation: Gr M||PAGMX||98.0%||1,500||1.65%|
|Putnam Dynamic Asset Allocation: Gr Y||PAGYX||98.0%||1,500||0.90%|
|Russell LifePoints Growth Strategy A||RALAX||7.0%||2,500||1.41%|
|Russell LifePoints Growth Strategy E||RALEX||7.0%||2,500||1.41%|
|Russell LifePoints Growth Strategy R1||RALRX||7.0%||2,500||1.01%|
|Russell LifePoints Growth Strategy R2||RALTX||7.0%||2,500||1.26%|
|Russell LifePoints Growth Strategy S||RALSX||7.0%||2,500||1.16%|
|Russell LifePoints Growth Strategy S||RALSZ||7.0%||2,500||1.16%|
|Schwab MarketTrack Growth Investor||SWHGX||17.0%||546||0.66%|
|T. Rowe Price Personal Strat Growth||TRSGX||49.0%||1,100||0.84%|
|Transamerica Asset Allc Mod Gr A||IMLAX||30.0%||2,800||1.47%|
|Transamerica Asset Allc Mod Gr I||TMGIX||30.0%||2,800||1.16%|
|Vanguard LifeStrategy Growth Inv||VASGX||22.0%||7,400||0.17%|
|Virtus Tactical Allocation A||NAA1Z||128.0%||181||1.37%|
|Virtus Tactical Allocation A||NAINX||128.0%||181||1.37%|
|Virtus Tactical Allocation B||NBINX||128.0%||181||2.12%|
|Wells Fargo Advantage Divers Cptl Bldr A||EKBAX||56.0%||497||1.20%|
|Wells Fargo Advantage Divers Cptl Bldr B||EKBBX||56.0%||497||1.95%|
|Wells Fargo Advantage Divers Cptl Bldr C||EKBCX||56.0%||497||1.95%|
|Wells Fargo Advantage Divers Cptl Bldr I||EKBYX||56.0%||497||0.78%|
|Wells Fargo Advantage Idx Asst Allo A||SFAAX||18.0%||660||1.15%|
|Wells Fargo Advantage Idx Asst Allo Adm||WFAIX||18.0%||660||0.90%|
|Wells Fargo Advantage Idx Asst Allo B||SASBX||18.0%||660||1.90%|
|Wells Fargo Advantage Idx Asst Allo C||WFALX||18.0%||660||1.90%|
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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