Thornburg Investment Income Builder R4 (TIBGX)
Expense Ratio: 1.40%
Expected Lifetime Fees: $40,000.87
The Thornburg Investment Income Builder R4 fund (TIBGX) is a World Allocation fund started on 2/1/2008 and has $10.70 billion in assets under management. The current manager has been running Thornburg Investment Income Builder R4 since 1/15/2003. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 0.25%
Vanguard Total World Stock Index ETF (VT)
Expense Ratio: 0.22%
Expected Lifetime Fees: $7,107.65
The Vanguard Total World Stock Index ETF (VT) is an Exchange Traded Fund. It is a "basket" of securities that index the World Allocation investment strategy and is an alternative to a World Allocation mutual fund. Fees are very low compared to a comparable mutual fund like Thornburg Investment Income Builder R4 because computers automatically manage the stocks.
|Mutual Fund Name||Ticker Symbol||Turnover||Assets (M)||Annual Fees|
|AllianceBernstein Real Asset Strategy Fund Advisor Class||AMTYX||120.0%||354||0.75%|
|AllianceBernstein Real Asset Strategy Fund Class A||AMTAX||120.0%||354||1.05%|
|American Funds Capital Inc Bldr A||CAIBX||47.0%||73,800||0.61%|
|American Funds Capital Inc Bldr B||CIBBX||47.0%||73,800||1.38%|
|American Funds Capital Inc Bldr F-1||CIBFX||47.0%||73,800||0.65%|
|American Funds Capital Inc Bldr F-2||CAIFX||47.0%||73,800||0.41%|
|American Funds Capital Inc Bldr R3||RIRCX||47.0%||73,800||0.97%|
|American Funds Capital Inc Bldr R4||RIREX||47.0%||73,800||0.66%|
|American Funds Capital Inc Bldr R5||RIRFX||47.0%||73,800||0.37%|
|American Funds Capital Inc Bldr R6||RIRGX||47.0%||73,800||0.32%|
|AQR Risk Parity Fund Class I||AQRIX||66.0%||613||1.01%|
|AQR Risk Parity Fund Class N||AQRNX||66.0%||613||1.26%|
|BlackRock Global Allocation Instl||MALOX||31.0%||51,700||0.89%|
|BlackRock Global Allocation Inv A||MDLOX||31.0%||51,700||1.16%|
|Calamos Global Growth & Income A||CVLOX||73.1%||1,600||1.32%|
|Calamos Global Growth & Income I||CGCIX||73.1%||1,600||1.07%|
|DWS Global Income Builder A||KTR1Z||137.0%||984||0.96%|
|DWS Global Income Builder A||KTRAX||137.0%||984||0.96%|
|DWS Global Income Builder S||KTRSX||137.0%||984||0.76%|
|Fidelity Advisor Global Balanced Fund Class A||FGLAX||197.0%||507||1.37%|
|Fidelity Advisor Global Balanced Fund Institutional Class||FGLIX||197.0%||507||1.12%|
|Fidelity Advisor Global Strategies A||FDASX||200.0%||381||1.24%|
|Fidelity Advisor Global Strategies I||FDYIX||200.0%||381||0.99%|
|Fidelity Global Balanced||FGBLX||197.0%||507||1.06%|
|Fidelity Global Strategies||FDYSX||200.0%||381||0.99%|
|First Eagle Global A||SGENX||11.6%||33,000||1.13%|
|First Eagle Global I||SGIIX||11.6%||33,000||0.88%|
|Goldman Sachs Dynamic Allocation Inst||GDIFX||297.0%||584||1.17%|
|Goldman Sachs Dynamic Allocation IR||GDHFX||297.0%||584||1.32%|
|Goldman Sachs Growth & Inc Strat A||GOIAX||35.0%||1,100||1.35%|
|Goldman Sachs Growth & Inc Strat Inst||GOIIX||35.0%||1,100||0.95%|
|Goldman Sachs Growth & Inc Strat IR||GPITX||35.0%||1,100||1.10%|
|Goldman Sachs Growth Strat A||GGSAX||35.0%||897||1.34%|
|Goldman Sachs Growth Strat Instl||GGSIX||35.0%||897||0.94%|
|Goldman Sachs Growth Strat IR||GGSTX||35.0%||897||1.09%|
|Goldman Sachs Satellite Strategies Instl||GXSIX||35.0%||1,100||1.06%|
|Goldman Sachs Satellite Strategies IR||GXSTX||35.0%||1,100||1.21%|
|Hartford Global All-Asset A||HLAAX||206.0%||806||1.18%|
|Hartford Global All-Asset Fund Class I||HLAIX||206.0%||806||0.93%|
|Hartford Global All-Asset Fund Class R4||HLASX||206.0%||806||1.13%|
|Hartford Global All-Asset Fund Class R5||HLATX||206.0%||806||0.93%|
|Hartford Global Real Asset A||HRLAX||145.0%||369||1.25%|
|Hartford Global Real Asset Fund Class I||HRLIX||145.0%||369||1.00%|
|Hartford Global Real Asset Fund Class R4||HRLSX||145.0%||369||1.20%|
|Hartford Global Real Asset Fund Class R5||HRLTX||145.0%||369||1.00%|
|Hartford Global Real Asset Fund Class Y||HRLYX||145.0%||369||0.95%|
|IVA Worldwide A||IVWAX||50.8%||9,000||1.29%|
|IVA Worldwide I||IVWIX||50.8%||9,000||1.04%|
|Ivy Asset Strategy A||WASAX||47.0%||24,400||0.99%|
|Ivy Asset Strategy I||IVAEX||47.0%||24,400||0.77%|
|Ivy Asset Strategy New Opportunities Fund Class I||INOIX||54.0%||329||1.25%|
|Ivy Asset Strategy R||IASRX||47.0%||24,400||1.36%|
|Ivy Asset Strategy Y||WASYX||47.0%||24,400||0.99%|
|Ivy Global Income Allocation A||IVBAX||61.0%||281||1.35%|
|Ivy Global Income Allocation Y||IVBYX||61.0%||281||1.17%|
|Lazard Capital Allctr Opp Str Instl||LCAIX||155.0%||261||1.33%|
|Legg Mason Strategic Real Return Fund Class A||LRRAX||70.0%||130||1.35%|
|Loomis Sayles Global Equity and Income A||LGMSZ||65.0%||763||1.24%|
|Loomis Sayles Global Equity and Income Y||LSWWX||65.0%||763||0.99%|
|Lord Abbett Global Allocation I||LGEYX||27.7%||159||1.16%|
|Managers AMG FQ Global Essentials Instl||MMAFX||80.0%||112||1.21%|
|Managers AMG FQ Global Essentials Svc||MMASX||80.0%||112||1.39%|
|MassMutual Select BlackRock Glbl Allc S||MGSSX||43.0%||522||0.87%|
|MFS Global Total Return A||MFW1Z||46.0%||818||1.25%|
|MFS Global Total Return A||MFWTX||46.0%||818||1.25%|
|MFS Global Total Return R3||MFWHX||46.0%||818||1.25%|
|MFS Global Total Return R4||MFWJX||46.0%||818||1.00%|
|Morgan Stanley Global Strategist A||SRTAX||123.0%||444||0.98%|
|Morgan Stanley Global Strategist I||SRTDX||123.0%||444||0.73%|
|Oppenheimer Global Allocation A||QVB1Z||77.0%||1,800||1.37%|
|Oppenheimer Global Allocation A||QVB2Z||77.0%||1,800||1.37%|
|Oppenheimer Global Allocation A||QVGIX||77.0%||1,800||1.37%|
|Oppenheimer Global Allocation Y||QGRYX||77.0%||1,800||1.04%|
|PIMCO All Asset All Authority Fund Class P||PAUPX||55.0%||18,800||1.21%|
|PIMCO All Asset All Authority Fund Institutional Class||PAUIX||55.0%||18,800||1.11%|
|PIMCO All Asset Fund Administrative Class||PAALX||56.0%||27,300||1.14%|
|PIMCO All Asset Fund Class A||PASAX||56.0%||27,300||1.39%|
|PIMCO All Asset Fund Class D||PASDX||56.0%||27,300||1.29%|
|PIMCO All Asset Fund Class P||PALPX||56.0%||27,300||0.99%|
|PIMCO All Asset Fund Institutional Class||PAAIX||56.0%||27,300||0.89%|
|PIMCO Global Multi-Asset Instl||PGAIX||94.0%||5,400||1.04%|
|PIMCO Global Multi-Asset P||PGAPX||94.0%||5,400||1.14%|
|Pioneer Multi-Asset Real Return Fund Class A||PMARX||205.0%||389||1.33%|
|Pioneer Multi-Asset Real Return Fund Class Y||PMYRX||205.0%||389||1.03%|
|Target Moderate Allocation A||PAMGX||151.0%||268||1.37%|
|Target Moderate Allocation Z||PDMZX||151.0%||268||1.12%|
|Templeton Global Balanced Adv||TZINX||19.0%||998||0.96%|
|Templeton Global Balanced Fund Class A1||TICSZ||19.0%||998||1.21%|
|The Hartford Global All-Asset Fund Class Y||HLAYX||206.0%||806||0.88%|
|Thornburg Investment Income Builder A||TIB1Z||30.3%||10,700||1.21%|
|Thornburg Investment Income Builder A||TIBAX||30.3%||10,700||1.21%|
|Thornburg Investment Income Builder I||TIBIX||30.3%||10,700||0.87%|
|Thornburg Investment Income Builder R5||TIBMX||30.3%||10,700||0.99%|
|UBS Global Allocation A||BNGLX||68.0%||867||1.27%|
|UBS Global Allocation Y||BPGLX||68.0%||867||0.98%|
|Waddell & Reed Asset Strategy A||UNA1Z||72.0%||2,800||1.14%|
|Waddell & Reed Asset Strategy Y||WYASX||72.0%||2,800||0.84%|
|Wells Fargo Advantage Asset Alloc A||EAAFX||1.0%||7,200||1.33%|
|Wells Fargo Advantage Asset Alloc Adm||EAIFX||1.0%||7,200||1.13%|
|Wilmington Multi-Manager Real Asst A||WMMRX||199.0%||346||1.39%|
|Wilmington Multi-Manager Real Asst Instl||WMRIX||199.0%||346||1.14%|
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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