PNLAX - PIMCO RealRetirement 2030 Adm

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PIMCO RealRetirement 2030 Adm (PNLAX)
Expense Ratio: 1.05%
Expected Lifetime Fees: $31,105.27

The PIMCO RealRetirement 2030 Adm fund (PNLAX) is a Target Date 2026-2030 fund started on 6/30/2008 and has $35.40 million in assets under management. The current manager has been running PIMCO RealRetirement 2030 Adm since 8/9/2008. 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 S&P Target Date 2030 (TZL)
Expense Ratio: 0.11%
Expected Lifetime Fees: $3,595.26

The iShares S&P Target Date 2030 (TZL) is an Exchange Traded Fund. It is a "basket" of securities that index the Target Date 2026-2030 investment strategy and is an alternative to a Target Date 2026-2030 mutual fund. Fees are very low compared to a comparable mutual fund like PIMCO RealRetirement 2030 Adm because computers automatically manage the stocks.

The Following Target Date 2026-2030 Funds Have Lower Fees Than PIMCO RealRetirement 2030 Adm (PNLAX). Why are these metrics important?
Mutual Fund Name Ticker Symbol Turnover Assets (M) Annual Fees
AllianceBern 2030 Retirement Strat I LTKIX 12.0% 208 0.76%
AllianceBern 2030 Retirement Strat K LTKKX 12.0% 208 1.01%
American Century LIVESTRONG 2030 Instl ARCSX 4.0% 548 0.66%
American Century LIVESTRONG 2030 Inv ARCVX 4.0% 548 0.86%
American Funds Trgt Date Ret 2030 A AAETX 2.0% 1,700 0.78%
American Funds Trgt Date Ret 2030 R4 RDETX 2.0% 1,700 0.78%
American Funds Trgt Date Ret 2030 R5 REETX 2.0% 1,700 0.47%
American Funds Trgt Date Ret 2030 R6 RFETX 2.0% 1,700 0.42%
BlackRock LifePath 2030 Institutional STLDX 3.0% 971 0.85%
Fidelity Advisor Freedom 2030 I FEFIX 16.0% 2,400 0.73%
Manning & Napier Target 2030 I MTPIX 40.0% 107 0.89%
Oppenheimer Transition 2030 Y OTHYX 13.0% 143 0.77%
Principal LifeTime 2030 R5 PTCPX 10.7% 4,800 1.01%
Russell LifePoints 2030 Strategy R1 RRLRX 28.0% 181 0.81%
Russell LifePoints 2030 Strategy S RRLSX 28.0% 181 0.81%
Russell LifePoints 2030 Strategy S RRLSZ 28.0% 181 0.81%
Schwab Target 2030 SWDRX 8.0% 408 0.77%
T. Rowe Price Retirement 2030 TRRCX 16.2% 11,900 0.74%
T. Rowe Price Retirement 2030 Adv PARCX 16.2% 11,900 0.99%
Wells Fargo Advantage DJ Target 2030 A STHRX 26.0% 1,900 1.02%
Wells Fargo Advantage DJ Target 2030 Adm WFLIX 26.0% 1,900 0.86%
Wells Fargo Advantage DJ Target 2030 I WFOOX 26.0% 1,900 0.51%
Wells Fargo Advantage DJ Target 2030 Inv WFETX 26.0% 1,900 0.92%

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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.