AFJAX - Allianz NFJ International Value A

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Allianz NFJ International Value A (AFJAX)
Expense Ratio: 1.23%
Expected Lifetime Fees: $35,765.19

The Allianz NFJ International Value A fund (AFJAX) is a Foreign Large Value fund started on 03/31/2005 and has $2.00 billion in assets under management. The current manager has been running Allianz NFJ International Value A since 02/21/2003. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 0.25%

MarketRiders Prefers The Following ETF

iShares MSCI EAFE Value Index (EFV)
Expense Ratio: 0.40%
Expected Lifetime Fees: $12,680.81

The iShares MSCI EAFE Value Index (EFV) is an Exchange Traded Fund. It is a "basket" of securities that index the Foreign Large Value investment strategy and is an alternative to a Foreign Large Value mutual fund. Fees are very low compared to a comparable mutual fund like Allianz NFJ International Value A because computers automatically manage the stocks.

The Following Foreign Large Value Funds Have Lower Fees Than Allianz NFJ International Value A (AFJAX). Why are these metrics important?
Mutual Fund Name Ticker Symbol Turnover Assets (M) Annual Fees
AllianceBern Intl Val Adv ABIYX 52.0% 801 1.10%
AllianceBern Intl Val I AIVIX 52.0% 801 0.86%
Allianz NFJ International Value Instl ANJIX 48.0% 2,000 0.88%
American Beacon International Equity Fund Class Y ABEYX 33.0% 1,200 0.82%
American Beacon Intl Equity AMR AAIAX 33.0% 1,200 0.46%
American Beacon Intl Equity Instl AAIEX 33.0% 1,200 0.71%
American Beacon Intl Equity Instl AAITZ 33.0% 1,200 0.71%
American Beacon Intl Equity Inv AAIPX 33.0% 1,200 1.08%
AQR International Equity I AQIIX 60.0% 515 0.96%
BNY Mellon International M MPITX 57.4% 600 1.02%
Brandes Instl International Equity I BIIEX 5.0% 369 1.05%
Causeway International Value Instl CIVIX 39.0% 1,400 1.00%
Columbia International Value Z EMIEX 19.0% 987 1.12%
Delaware Intl Value Equity Instl DEQIX 42.0% 209 1.21%
DFA International Core Equity I DFIEX 3.0% 5,300 0.40%
DFA International Value I DFIVX 9.0% 4,800 0.45%
DFA International Value III DFVIX 9.0% 1,100 0.26%
DFA International Value R2 DFIPX 9.0% 4,800 0.71%
DFA Tax-Managed International Value DTMIX 16.0% 1,700 0.55%
Dreyfus International Eq A DIEAX 89.9% 156 1.12%
Dreyfus International Value I DIRVX 60.7% 163 1.15%
Federated Intl Strategic Val Div Instl IVFIX 38.0% 142 0.80%
Federated Intl Strategic Val Dividend A IVFAX 38.0% 142 1.05%
Fidelity Advisor International Value I FIVQX 83.0% 129 0.98%
Fidelity International Value FIVLX 83.0% 129 1.04%
Goldman Sachs Intl Eq Div & Prem I GIDHX 51.0% 343 0.90%
Goldman Sachs Structured Intl Equity I GCIIX 101.0% 966 0.85%
Goldman Sachs Structured Intl T/M Eq I GHTMX 88.0% 134 0.86%
JHancock3 International Core I GOCIX 42.0% 1,500 1.15%
JHancock3 International Value Equity Fund Class I JIEEX 21.0% 145 1.18%
Laudus Mondrian Intl Equity Instl LIEIX 35.0% 105 1.05%
Laudus Mondrian Intl Equity Select LIEFX 35.0% 105 1.12%
Lord Abbett Intl Dividend Inc A LIDAX 100.2% 1,300 1.12%
Lord Abbett Intl Dividend Inc I LAIDX 100.2% 1,300 0.77%
MainStay ICAP International I ICE1Z 62.0% 917 0.95%
MainStay ICAP International I ICEUX 62.0% 917 0.95%
MainStay ICAP International R1 ICETX 62.0% 917 1.14%
MFS International Value I MINIX 24.0% 4,800 1.02%
MFS International Value R4 MINHX 24.0% 4,800 1.02%
Nuveen Tradewinds International Value I NGRRX 23.0% 793 1.07%
Oppenheimer International Value Y QIVYX 33.0% 595 0.85%
Putnam International Value Fund Class Y PNGYX 52.0% 187 1.12%
Schwab Fdmtl Intl Lg Co Idx SFNNX 35.0% 345 0.35%
SSgA International Stock Selection Instl SSAIX 77.0% 479 1.00%
T. Rowe Price Intl Gr & Inc TRIGX 26.3% 4,700 0.87%
T. Rowe Price Intl Gr & Inc Adv PAIGX 26.3% 4,700 1.07%
Templeton Foreign A TEMFX 35.0% 4,900 1.17%
Templeton Foreign A TFF1Z 35.0% 4,900 1.17%
Templeton Foreign Adv TFFAX 35.0% 4,900 0.92%
Templeton Instl Foreign Eq Ser Primary TFEQX 9.9% 5,200 0.80%
Templeton Instl Foreign Eq Ser Service TFESX 9.9% 5,200 0.95%
Templeton Instl Foreign Eq Ser Service TFESZ 9.9% 5,200 0.95%
Vanguard International Value Inv VTRIX 39.0% 5,800 0.39%

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Why Are These Metrics Important?

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.