Mutual Funds Compare (2024)

Data source identification

Schwab's Financial and Other Relationships with Mutual Funds

The charts and associated glossary are presented for general informational purposes only. Schwab makes no recommendations or endorsem*nts with respect to any of the strategies, chart patterns, or indicators referenced; nor does Schwab recommend the use of technical analysis as a sole means of investment research. Schwab recommends that investors define their goals, risk tolerance, time horizon, and investment objectives in addition to researching possible investment choices through multiple channels. Technical analysis may result in increased frequency of trading and, therefore, significantly higher transaction costs than a fundamental approach.

Investors should consider carefully information contained in the prospectus or, if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can view, download, and print a prospectus by clicking on Prospectus & Reports or by calling 1-800-435-4000. Please read the prospectus carefully before investing.

Past performance does not guarantee future performance. Investment value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. If an expense waiver was in place during the period, the net expense ratio was used to calculate fund performance.

Schwab's short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab's Mutual Fund OneSource® service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds®, which may charge a separate redemption fee, and funds that accommodate short-term trading. For each of these trade orders placed through a broker, a $25 service charge applies. Funds are also subject to management fees and expenses.

Trades in no-load mutual funds available through Mutual Funds OneSource service (including SchwabFunds) as well as certain other funds, are available without transaction fees. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Funds are also subject to management fees and expenses.

Charles Schwab & Co., Inc., member of SIPC, receives remuneration from fund companies for record keeping, shareholder services, and other administrative services for shares purchased through its Mutual Fund OneSource service. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.

The Morningstar Rating™ for funds, or "star rating", is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product's monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods. Morningstar Ratings do not take into account sales loads that may apply to certain third party funds. The Overall Morningstar Ratings are derived from a weighted average of the risk adjusted performance figures associated with a Fund's 3-, 5-, and 10-year (if applicable) Morningstar Rating™ metrics.

Except as noted below, all data provided by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for noncommercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete, or timely. Morningstar, Inc., shall not be responsible for investment decisions, damages, or other losses resulting from use of the information. Morningstar, Inc., has not granted consent for it to be considered or deemed an "expert" under the Securities Act of 1933. Charles Schwab Investment Management, Inc. and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

Market data for Daily Fund (NAVs) and charts provided by Markit on Demand.

Charles Schwab Investment Management, Inc. (CSIM) is the investment advisor for Schwab Funds. Charles Schwab & Co., Inc. (Schwab), Member SIPC, is the distributor for Schwab Funds. CSIM and Schwab are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

Environmental, social and governance (ESG) strategies implemented by mutual funds, exchange-traded funds (ETFs), and separately managed accounts are currently subject to inconsistent industry definitions and standards for the measurement and evaluation of ESG factors; therefore, such factors may differ significantly across strategies. As a result, it may be difficult to compare ESG investment products. Further, some issuers may present their investment products as employing an ESG strategy, but may overstate or inconsistently apply ESG factors. An investment product's ESG strategy may significantly influence its performance. Because securities may be included or excluded based on ESG factors rather than other investment methodologies, the product's performance may differ (either higher or lower) from the overall market or comparable products that do not have ESG strategies. Environmental ("E") factors can include climate change, pollution, waste, and how an issuer protects and/or conserves natural resources. Social ("S") factors can include how an issuer manages its relationships with individuals, such as its employees, shareholders, and customers as well as its community. Governance ("G") factors can include how an issuer operates, such as its leadership composition, pay and incentive structures, internal controls, and the rights of equity and debt holders. Carefully review an investment product's prospectus or disclosure brochure to learn more about how it incorporates ESG factors into its investment strategy.

Some of the funds on this list could be subject to sales loads, transaction fees, and early redemption fees. Please consult each fund's prospectus for a fund's specific fees, charges, investment strategy, and screening methodology.

(0911-5805, 0917-7498, 0618-84HV, 0620-0V9P, 0222-1YPY, 0222-22DC, 1121-1981)

As an enthusiast deeply entrenched in the world of finance and investment, I'd like to delve into the complexities highlighted in the article about Schwab's Financial and Other Relationships with Mutual Funds. My understanding is grounded in practical experience and extensive knowledge of the subject matter.

Let's break down the key concepts discussed in the article:

  1. Schwab's Recommendations and Endorsem*nts: The article emphasizes that Schwab makes no recommendations or endorsem*nts regarding strategies, chart patterns, or indicators. Schwab encourages investors to define their goals, risk tolerance, and objectives while researching investment choices through various channels.

  2. Investment Information: Investors are advised to carefully consider information in the prospectus, including investment objectives, risks, charges, and expenses before making investment decisions. Past performance is highlighted as not guaranteeing future performance, and the fluctuation of investment value is acknowledged.

  3. Redemption Fees: Schwab imposes a short-term redemption fee of $49.95 on funds held for 90 days or less. Certain exemptions exist, and additional fees may apply for specific trade orders placed through a broker.

  4. Management Fees and Expenses: Funds are subject to management fees and expenses. The article mentions that Schwab receives remuneration from fund companies for various services related to shares purchased through its Mutual Fund OneSource service.

  5. Morningstar Rating System: The Morningstar Rating system, or "star rating," is explained, detailing how it is calculated for managed products. The rating considers a product's risk-adjusted return over three, five, and 10 years. The Overall Morningstar Rating is derived from a weighted average of these periods.

  6. Data Source and Disclaimers: The article cites Morningstar, Inc. as the source of data, with disclaimers emphasizing the proprietary nature of the information. Morningstar, Inc. is not considered an "expert" under the Securities Act of 1933.

  7. ESG (Environmental, Social, Governance) Strategies: The article touches on the challenges of inconsistent industry definitions and standards for ESG factors in mutual funds, ETFs, and separately managed accounts. It highlights the impact of ESG strategies on the performance of investment products.

  8. Issuer Presentation of ESG Strategy: Some issuers may present their investment products as employing an ESG strategy, but the article warns of potential overstatement or inconsistent application of ESG factors.

  9. Factors in ESG Strategy: Environmental, social, and governance factors are explained, covering aspects like climate change, pollution, waste (E), relationships with individuals and the community (S), and how an issuer operates (G).

  10. Consultation on Fund Fees and Charges: The article advises investors to consult each fund's prospectus for specific fees, charges, investment strategy, and screening methodology.

This breakdown encapsulates the multifaceted nature of Schwab's financial relationships with mutual funds and the comprehensive information provided for investors' consideration. If you have specific questions or seek further clarification on any aspect, feel free to ask.

Mutual Funds Compare (2024)


How do you compare all mutual funds? ›

Comparing Mutual Funds: Different Parameters Available
  1. Returns. This is by far the most common criteria used to compare mutual fund schemes. ...
  2. Returns Compared to the Fund Benchmark. ...
  3. Expense Ratio. ...
  4. Risk Measures. ...
  5. Portfolio Level Information.

How are mutual funds compared? ›

Annualised returns reflect value changes over time, but evaluating consistency, fund quality, and risk-adjusted returns is equally important. Comparing mutual funds based on these aspects and using financial ratios can guide you in making informed decisions about the right fund for your investment goals.

How many mutual funds are enough? ›

Unless you are very well versed with the markets and have expert knowledge about mutual funds, a good rule of thumb would be to own: Large Cap Mutual Funds: Up to 2. Maybe 3 at best. Beyond that, it doesn't make sense as there will be a great overlap in the shares owned by your mutual funds.

What funds does Dave Ramsey invest in? ›

I put my personal 401(k) and a lot of my mutual fund investing in four types of mutual funds: growth, growth and income, aggressive growth, and international. I personally spread mine in 25% of those four. And I look for mutual funds that have long track records that have outperformed the S&P. Mutual Fund Investment.

How do I compare funds? ›

When comparing mutual funds, there are certain things you should be looking at: The rating, which tells you the fund's performance over a period of time. The fund's performance against relevant sectors and other funds. The fund's top holdings (what stocks they own)

What is the best way to compare investments? ›

Since you hold investments for different periods of time, the best way to compare their performance is by looking at their annualized percent return. In this example, your annualized return is 9.42 percent. Tip: Use FINRA's Fund Analyzer to find annual and total return for mutual funds and ETFs.

What is the best tool to compare index funds? ›

FundVisualizer allows you to compare index funds and determine which offer the most competitive expenses.

What are the pros and cons of mutual funds? ›

Some of the advantages of mutual funds include advanced portfolio management, dividend reinvestment, risk reduction, convenience, and fair pricing, while disadvantages include high expense ratios and sales charges, management abuses, tax inefficiency, and poor trade execution.

What is mutual fund in simple words? ›

A mutual fund is a pool of money managed by a professional Fund Manager. It is a trust that collects money from a number of investors who share a common investment objective and invests the same in equities, bonds, money market instruments and/or other securities.

Are mutual funds enough? ›

Just investing in 1-2 large cap funds, whether active or passive or both, is more than enough for most investors. If you really want to diversify, you need to invest across different fund categories and not just within a category.

What is the 80% rule for mutual funds? ›

Under the final amendments, when a fund employs a derivatives strategy, the fund will generally be required to use the notional value to determine if 80% of its funds are invested in accordance with the focus its name suggests.

Is one mutual fund enough? ›

Let's first talk about the number of funds

Yes. You should invest in more than one fund. While most mutual funds are inherently diversified, putting all your money in one fund means you are relying on the judgment and investing style of one person. This gives rise to fund manager risk, and this can work against you.

What is the 7 year rule for investing? ›

According to Standard and Poor's, the average annualized return of the S&P index, which later became the S&P 500, from 1926 to 2020 was 10%. 1 At 10%, you could double your initial investment every seven years (72 divided by 10).

What are the 4 funds Dave Ramsey recommends? ›

And to go one step further, we recommend dividing your mutual fund investments equally between four types of funds: growth and income, growth, aggressive growth, and international.

What type of bank did Dave Ramsey recommend? ›

Here's why Dave Ramsey likes neobanks

As Ramsey explains, many of these accounts charge no monthly maintenance fees, unlike more traditional banks that usually impose this added cost unless you meet certain requirements such as maintaining a set minimum balance.

Which app is best for mutual fund comparison? ›

To Wrap It Up…
Coin by Zerodha10M+4.1/5
ET Money10M+4.5/5
PayTM Money10M+3.8/5
4 more rows
Mar 26, 2024

How do you analyze best mutual funds? ›

Analyzing Mutual Fund Performance
  1. Analyse Fund Performance vs Benchmark Performance.
  2. Check the Expense Ratio of Funds.
  3. Study Fund History.
  4. Check the Strength of the Portfolio.
  5. Check Portfolio Turnover Ratio (PTR)
  6. Compare The Maturity Period of Funds.
  7. Compare Risk-Adjusted Returns.
Sep 6, 2023

Which website is best to Analyse mutual funds? ›

RankMF is the only mutual fund research & investment platform in India with “Right time to Invest” Indicator that guides investors to time their mutual fund investment using its proprietary Margin of Safety Index (MosDex).


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