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FDIVX - Fidelity Diversified International

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Fidelity Diversified International (FDIVX)
Expense Ratio: 0.90%
Expected Lifetime Fees: $27,080.06


The Fidelity Diversified International fund (FDIVX) is a Foreign Large Blend fund started on 12/27/1991 and has $20.50 billion in assets under management. The current manager has been running Fidelity Diversified International since 4/24/2001. The fund is rated by Morningstar. This fund does not charge 12b-1 fees.

MarketRiders Prefers The Following ETF

iShares MSCI EAFE Index (EFA)
Expense Ratio: 0.34%
Expected Lifetime Fees: $10,846.80


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




The Following Foreign Large Blend Funds Have Lower Fees Than Fidelity Diversified International (FDIVX). Why are these metrics important?
Mutual Fund Name Ticker Symbol Turnover Assets (M) Annual Fees
American Beacon Intl Eq Index Inst AIIIX 6.0% 316 0.24%
American Funds EuroPacific Gr A AEPGX 24.0% 89,800 0.84%
American Funds EuroPacific Gr F-1 AEGFX 24.0% 89,800 0.86%
American Funds EuroPacific Gr F-2 AEPFX 24.0% 89,800 0.58%
American Funds EuroPacific Gr R4 REREX 24.0% 89,800 0.85%
American Funds EuroPacific Gr R5 RERFX 24.0% 89,800 0.55%
American Funds EuroPacific Gr R6 RERGX 24.0% 89,800 0.50%
American Funds Intl Gr And Inc A IGG1Z 31.0% 4,700 0.89%
American Funds Intl Gr And Inc F-2 IGFFX 31.0% 4,700 0.71%
American Funds Intl Gr And Inc R5 RIGFX 31.0% 4,700 0.67%
American Funds Intl Gr And Inc R6 RIGGX 31.0% 4,700 0.62%
BlackRock International Index Instl MAIIX 6.0% 222 0.35%
BlackRock International Index Inv A MDISZ 6.0% 222 0.60%
DFA International Sustainability Core 1 DFSPX 13.0% 118 0.57%
DFA Large Cap International I DFALX 3.0% 1,700 0.30%
DFA T.A. World ex US Core Equity Instl DFTWX 5.0% 1,100 0.48%
Dodge & Cox International Stock DOCTZ 16.0% 34,200 0.64%
Dodge & Cox International Stock DODFX 16.0% 34,200 0.64%
Dreyfus Intl Stock Index DIISX 6.1% 412 0.60%
DWS EAFE Equity Index Inst BTAEX 6.0% 222 0.50%
DWS International Inst SUIIX 202.0% 683 0.80%
Fidelity Overseas FOSFX 77.0% 1,700 0.73%
Fidelity Spartan International Index Inv FSIIX 9.0% 7,600 0.20%
Fidelity Spartan Intl Idx Advtg FSIVX 9.0% 7,600 0.12%
GE Instl International Equity Inv GIEIX 41.0% 2,000 0.56%
GE Instl International Equity Svc GIESX 41.0% 2,000 0.81%
Harbor International Instl HAINX 12.0% 31,400 0.78%
Hartford Intl Opportunities Y HAOYX 122.0% 485 0.82%
Lazard Intl Strategic Equity Instl LISIX 53.0% 624 0.88%
Lord Abbett Intl Core Equity I LICYX 62.0% 645 0.77%
Manning & Napier Overseas EXOSX 37.0% 1,600 0.75%
Neuberger Berman International Inst I NBIIX 46.0% 395 0.85%
Northern International Equity Index NOINX 30.6% 1,500 0.25%
PIMCO International StocksPLUS TR Str I PISIX 896.0% 138 0.76%
PIMCO Intl StkPLUS TR Strat (Unhedged) I PSKIX 778.0% 834 0.64%
PIMCO Intl StkPLUS TR Strat (Unhedged) P PPLPX 778.0% 834 0.74%
Praxis International Index I MPLIX 2.4% 106 0.86%
RidgeWorth Intl Equity Index I SIEIX 31.0% 289 0.77%
Schwab International Index SWISX 10.0% 1,200 0.19%
Sextant International SSIFX 7.0% 167 0.88%
T. Rowe Price International Eq Index PIEQX 30.0% 330 0.50%
T. Rowe Price Overseas Stock TROSX 16.7% 4,100 0.88%
TIAA-CREF Enh Intl Eq Idx Inst TFIIX 92.0% 614 0.53%
TIAA-CREF International Eq Idx Instl TCIEX 6.0% 2,800 0.09%
TIAA-CREF International Eq Instl TIIEX 107.0% 2,300 0.53%
Vanguard Developed Markets Index Instl VIDMX 5.0% 10,400 0.08%
Vanguard Developed Markets Index Inv VDMIX 5.0% 10,400 0.20%
Vanguard FTSE All-World ex-US Index Inst VFWSX 6.0% 12,000 0.13%
Vanguard FTSE All-World ex-US Index Inv VFWIX 6.0% 12,000 0.35%
Vanguard Tax-Managed Intl Adm VTMGX 5.0% 9,100 0.12%
Vanguard Tax-Managed Intl Instl VTMNX 5.0% 9,100 0.08%
Vanguard Total International Stock Index Fund Institutional Shares VTSNX 3.0% 63,100 0.13%
Vanguard Total International Stock Index Fund Signal Shares VTSGX 3.0% 63,100 0.18%
Vanguard Total Intl Stock Index Inv VGTSX 3.0% 63,100 0.22%
Wells Fargo Advantage Intl Equity I WFENX 44.0% 313 0.85%



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Why Are These Metrics Important?


Turnover
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.

Assets
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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