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slewis008. • 9 mo. ago. Go to the Capital Group website > Investments > Mutual Fund Returns > select any fund (I selected AMCAP) > select Share Class A > scroll down to Volatility & Return and count how many of their funds are in the upper left quadrant OR the upper right quadrant against the S&P. My work here is done.
The Fundamental Investor Fund from American funds holds 164 and over a 15 year time frame has done 8.79% Per year Compared to S&P 500's 7.35%. There is even more of a difference in International funds. The Europacific Growth Fund holds 249 stocks while the ETF EFA has 930, VEU has 2,269, and American funds has outpaced both.
American Funds are really expensive. If you have ANY inkling to pursue self-directed low-cost investing ABSOLUTELY get away from American Funds. Whether you go to Fidelity, Vanguard or one of the other places comes down to a matter of personal preference. I've been at Fidelity for 30+ years.
My current investments Washington Mutual Investors Fund-R4 RWMEX 20% (my allocation) expense ratio is 0.61%. The Growth Fund of America R4 RGAEX 55% (my allocation) expense ration is 0.65%. New Perspective Fund R4 RNPEX 25% (my allocation) expense ratio 0.78%. There are more funds in growth category and growth and income and some international ...
American Funds 401k suggestions. Greeting PF, Long time reader here. In the past you all have given great advice on asset allocation. I recently went in to review my American Funds 401k and was surprised to see a 3.7% rate of return. I've been at a new company and contributing to the employer match (100% on 3% and then 50% on 5% contributions).
The biggest issue with continuing to use American Funds mutual funds is the sales charge, typically called a load fee. If you continue to purchase American Funds mutual funds, you'll either pay an up-front fee to buy (typically 5ish percent for AF, taken out of the purchase price), or pay a higher expense ratio and possibly a deferred load if ...
American funds typically sold by low level financial "advisors" have a 5.75% front end load. A good part of that goes as commission to the salesperson. Your typical salesperson selling these is not a financial "advisor". They are just sales slime. Another aspect is that they can't transferred to a regular broker.
American Funds are the worst of the worst. You may be comparing the wrong things, or they may be upselling the things that have done better to try and show they have skills (hint: they don't). This is known as 'survivorship bias' -- you bury bad results, discontinue failing fuds, show only the funds that have done well, and presto, your ...
My local American Funds broker convinced me to go with their 'portfolio series' GWPAX fund. It currently has 72% U.S. equities, 22% Non-U.S. equities, and 6% cash with a 0.74% expense ratio and 8.71% 10-year return. It is an actively managed (everything is as American Funds) mix of six mutual funds offered by American Funds.
If I'm not wrong, if there's any way to waive that or get around it to transfer elsewhere. Or some reason to keep it in the account. 1. Greetings! I come to r/personalfinance for the first time and I'm going to ask what might be an inane and small question. I've been looking at….