GUSSX - GE Instl US Equity Svc

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GE Instl US Equity Svc (GUSSX)
Expense Ratio: 0.62%
Expected Lifetime Fees: $19,207.62

The GE Instl US Equity Svc fund (GUSSX) is a Large Growth fund started on 01/3/2001 and has $616.70 million in assets under management. The current manager has been running GE Instl US Equity Svc since 02/17/2001. 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

Vanguard Growth ETF (VUG)
Expense Ratio: 0.10%
Expected Lifetime Fees: $3,271.86

The Vanguard Growth ETF (VUG) is an Exchange Traded Fund. It is a "basket" of securities that index the Large Growth investment strategy and is an alternative to a Large Growth mutual fund. Fees are very low compared to a comparable mutual fund like GE Instl US Equity Svc because computers automatically manage the stocks.

The Following Large Growth Funds Have Lower Fees Than GE Instl US Equity Svc (GUSSX). Why are these metrics important?
Mutual Fund Name Ticker Symbol Turnover Assets (M) Annual Fees
American Funds AMCAP F-2 AMCFX 31.0% 23,200 0.49%
American Funds AMCAP R5 RAFFX 31.0% 23,200 0.43%
American Funds AMCAP R6 RAFGX 31.0% 23,200 0.39%
American Funds Growth Fund of Amer F-2 GFFFX 34.0% 114,400 0.43%
American Funds Growth Fund of Amer R5 RGAFX 34.0% 114,400 0.38%
American Funds Growth Fund of Amer R6 RGAGX 34.0% 114,400 0.33%
American Funds New Economy F-2 NEFFX 45.0% 7,200 0.59%
American Funds New Economy R5 RNGFX 45.0% 7,200 0.54%
American Funds New Economy R6 RNGGX 45.0% 7,200 0.49%
AQR Momentum Fund Class L AMOMX 162.0% 427 0.50%
Calvert Social Index I CISIX 8.0% 131 0.21%
Fidelity FFIDX 88.0% 5,000 0.59%
Fidelity Large Cap Growth Enhanced Index FLGEX 77.0% 149 0.47%
Fidelity Magellan FMAGX 99.0% 14,500 0.55%
GE Instl Premier Growth Equity Inv GEIPX 26.0% 236 0.38%
GE Instl US Equity Inv GUSIX 44.0% 617 0.37%
Goldman Sachs Struct Large Cap Gr I GLCSZ 76.0% 587 0.55%
Jensen Quality Growth I JENIX 7.0% 3,800 0.60%
MFS Massachusetts Investors Gr Stk I MGTIX 28.0% 3,200 0.56%
MFS Massachusetts Investors Gr Stk R4 MIGKX 28.0% 3,200 0.56%
Pyxis U.S Equity Y HUEYX 40.0% 158 0.61%
T. Rowe Price Instl Large Cap Growth TRLGX 57.6% 5,000 0.57%
TIAA-CREF Enh Lg Cp Gr Idx Inst TLIIX 121.0% 950 0.38%
TIAA-CREF Large-Cap Gr Idx Instl TILIX 24.0% 908 0.08%
TIAA-CREF Large-Cap Growth Inst TILGX 160.0% 1,500 0.48%
Vanguard Capital Opportunity Adm VHCAX 9.0% 7,100 0.41%
Vanguard Capital Opportunity Inv VHCOX 9.0% 7,100 0.48%
Vanguard Diversified Equity Inv VDEQX 3.0% 1,200 0.41%
Vanguard FTSE Social Index Instl VFTNX 11.0% 535 0.16%
Vanguard FTSE Social Index Inv VFTSX 11.0% 535 0.29%
Vanguard Growth Equity Inv VGEQX 44.0% 731 0.52%
Vanguard Growth Index Instl VIGIX 23.0% 23,400 0.08%
Vanguard Growth Index Inv VIGRX 23.0% 23,400 0.24%
Vanguard Growth Index Signal VIGSX 23.0% 23,400 0.10%
Vanguard Morgan Growth Adm VMRAX 55.0% 8,700 0.30%
Vanguard Morgan Growth Inv VMRGX 55.0% 8,700 0.42%
Vanguard PRIMECAP Adm VPMAX 8.0% 27,700 0.36%
Vanguard PRIMECAP Core Inv VPCCX 9.0% 4,500 0.51%
Vanguard PRIMECAP Inv VPMCX 8.0% 27,700 0.45%
Vanguard Russell 1000 Growth Index Fund Institutional Shares VRGWX 30.0% 507 0.08%
Vanguard US Growth Adm VWUAX 89.0% 3,700 0.30%
Vanguard US Growth Inv VWUSX 89.0% 3,700 0.44%

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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.