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JLHFX - JHancock2 Retirement Living 2035 R3

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JHancock2 Retirement Living 2035 R3 (JLHFX)
Expense Ratio: 1.50%
Expected Lifetime Fees: $42,419.52


The JHancock2 Retirement Living 2035 R3 fund (JLHFX) is a Target Date 2031-2035 fund started on 10/30/2006 and has $661.10 million in assets under management. The current manager has been running JHancock2 Retirement Living 2035 R3 since 11/21/2006. The fund is rated by Morningstar. In addition to trading fees and broker commissions, this fund has 12b-1 fees of 0.50%

MarketRiders Prefers The Following ETF

iShares S&P Target Date 2035 (TZO)
Expense Ratio: 0.11%
Expected Lifetime Fees: $3,595.26


The iShares S&P Target Date 2035 (TZO) is an Exchange Traded Fund. It is a "basket" of securities that index the Target Date 2031-2035 investment strategy and is an alternative to a Target Date 2031-2035 mutual fund. Fees are very low compared to a comparable mutual fund like JHancock2 Retirement Living 2035 R3 because computers automatically manage the stocks.




The Following Target Date 2031-2035 Funds Have Lower Fees Than JHancock2 Retirement Living 2035 R3 (JLHFX). Why are these metrics important?
Mutual Fund Name Ticker Symbol Turnover Assets (M) Annual Fees
AllianceBern 2035 Retirement Strat A LTKAX 14.0% 150 1.06%
AllianceBern 2035 Retirement Strat I LTLIX 14.0% 150 0.76%
AllianceBern 2035 Retirement Strat K LTLKX 14.0% 150 1.01%
AllianceBern 2035 Retirement Strat R LTLRX 14.0% 150 1.26%
American Century LIVESTRONG 2035 A ARYAX 3.0% 846 1.14%
American Century LIVESTRONG 2035 Instl ARLIX 3.0% 846 0.69%
American Century LIVESTRONG 2035 Inv ARYIX 3.0% 846 0.89%
American Century LIVESTRONG 2035 R ARYRX 3.0% 846 1.39%
American Funds Trgt Date Ret 2035 A AAFTX 1.0% 1,200 0.77%
American Funds Trgt Date Ret 2035 R2 RBFTX 1.0% 1,200 1.48%
American Funds Trgt Date Ret 2035 R3 RCFTX 1.0% 1,200 1.11%
American Funds Trgt Date Ret 2035 R4 RDFTX 1.0% 1,200 0.78%
American Funds Trgt Date Ret 2035 R5 REFTX 1.0% 1,200 0.48%
American Funds Trgt Date Ret 2035 R6 RFFTX 1.0% 1,200 0.43%
Fidelity Advisor Freedom 2035 A FATHX 13.0% 1,600 1.02%
Fidelity Advisor Freedom 2035 I FITHX 13.0% 1,600 0.77%
JHancock2 Retirement Living 2035 A JLHAX 17.0% 661 1.35%
JHancock2 Retirement Living 2035 R4 JLHGX 17.0% 661 1.10%
Principal LifeTime 2035 R3 LTAOX 6.1% 563 1.34%
T. Rowe Price Retirement 2035 TRRJX 17.1% 5,300 0.76%
T. Rowe Price Retirement 2035 Adv PARKX 17.1% 5,300 1.01%
T. Rowe Price Retirement 2035 R RRTPX 17.1% 5,300 1.26%
Vanguard Target Retirement 2035 Inv VTTHX 18.0% 12,300 0.19%
Wells Fargo Advantage DJ Target 2035 Adm WFQWX 22.0% 811 0.87%
Wells Fargo Advantage DJ Target 2035 I WFQRX 22.0% 811 0.52%



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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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