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RVLTX - Russell LifePoints 2035 Strategy R2

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Russell LifePoints 2035 Strategy R2 (RVLTX)
Expense Ratio: 1.09%
Expected Lifetime Fees: $32,156.67


The Russell LifePoints 2035 Strategy R2 fund (RVLTX) is a Target Date 2031-2035 fund started on 03/31/2008 and has $22.20 million in assets under management. The current manager has been running Russell LifePoints 2035 Strategy R2 since 09/4/2011. The fund is rated by Morningstar. This fund does not charge 12b-1 fees.

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 Russell LifePoints 2035 Strategy R2 because computers automatically manage the stocks.




The Following Target Date 2031-2035 Funds Have Lower Fees Than Russell LifePoints 2035 Strategy R2 (RVLTX). 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%
American Century LIVESTRONG 2035 Instl ARLIX 3.0% 846 0.69%
American Century LIVESTRONG 2035 Inv ARYIX 3.0% 846 0.89%
American Funds Trgt Date Ret 2035 A AAFTX 1.0% 1,200 0.77%
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%
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%
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.