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Hokie360

Joined: 08/26/2006 Posts: 17911
Likes: 7206


I'd look at the Total Return metric. Combines capital growth and dividends.


See the link below. This assumes both are reinvested, and this is the metric you are really interested in. The capital gains distributions in that earlier Fidelity link reflect only the realized gains (where the fund actually sold the underlying stock, and thus, realized that gain). It would also have additional unrealized gains, they just haven't sold that stock to realize the gain.

I would also consider the expense ratio. I know you weren't looking for additional advice, but the FFFTX has an expense ratio of 1.25%, while the VFIAX has .04%. The FFFTX expenses are higher because some of it's holdings are managed funds, plus it has two layers of management (it's a mutual fund, that owns other mutual funds, both of which have expenses).

Comparing FFFTX to VFIAX is comparing apples to oranges though. Since FFFTX is a target date fund, it has 8.5% of it's holdings parked in cash and bonds, so it's going to lose to a pure stock fund in a bull market (like we've had for the last decade or so). That 8.5% will get higher as you grow older, since it's a target date fund.

(In response to this post by VTBB)

Link: https://seekingalpha.com/symbol/FFFTX/momentum/performance


Posted: 06/23/2019 at 5:13PM



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