HNSJX - Hartford Intl Small Company I

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Hartford Intl Small Company I (HNSJX)
Expense Ratio: 1.09%
Expected Lifetime Fees: $32,156.67

The Hartford Intl Small Company I fund (HNSJX) is a Foreign Small/Mid Growth fund started on 05/31/2007 and has $174.50 million in assets under management. The current manager has been running Hartford Intl Small Company I since 02/23/2006. The fund is rated by Morningstar. This fund does not charge 12b-1 fees.

MarketRiders Prefers The Following ETF

iShares MSCI EAFE Small Cap Index (SCZ)
Expense Ratio: 0.40%
Expected Lifetime Fees: $12,680.81

The iShares MSCI EAFE Small Cap Index (SCZ) is an Exchange Traded Fund. It is a "basket" of securities that index the Foreign Small/Mid Growth investment strategy and is an alternative to a Foreign Small/Mid Growth mutual fund. Fees are very low compared to a comparable mutual fund like Hartford Intl Small Company I because computers automatically manage the stocks.

The Following Foreign Small/Mid Growth Funds Have Lower Fees Than Hartford Intl Small Company I (HNSJX). Why are these metrics important?
Mutual Fund Name Ticker Symbol Turnover Assets (M) Annual Fees
Columbia Acorn International Z ACI1Z 32.0% 5,700 0.98%
Columbia Acorn International Z ACINX 32.0% 5,700 0.98%
Columbia Acorn International Z ACITZ 32.0% 5,700 0.98%
Fidelity Advisor Intl Sm Cap Opp I FOPIX 24.0% 340 1.03%
Fidelity International Small Cap Opp FSCOX 24.0% 340 1.08%
Oppenheimer International Small Co Y OSMYX 122.0% 918 0.83%
William Blair Intl Small Cap Gr Instl WIISX 85.0% 630 1.08%

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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.