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R&L | 401-K Choices!!!!

river17 said:
Braceface :1036316054:
Who is the administrator of your 401K.
(Vanguard, Fidelity, etc)
And how many funds do you have and what are your choices for stock funds???
:smilie_132:
Click to expand...

Hey Buddy, Here is the info you asked about..

Merrill Lynch is the administrator..
The fund choices are:

American Growth FD of America
American Europacifc GR FD
Lazard Mid Cap open
Garthmore Small Cap FD
Templeton World FD
JP MorganGovernment FD
Pimco Total Return FD
Eaton Vance LG Cap Value FD
Templeton Dev MKT FD
Davis NY Venture FD
ML Ret Preservation FD
Ml Equity Index Trust FD

Have a good weekend!!!!:1036316054:
 
braceface said:
Hey Buddy, Here is the info you asked about..

Merrill Lynch is the administrator..
The fund choices are:

American Growth FD of America
American Europacifc GR FD
Lazard Mid Cap open
Garthmore Small Cap FD
Templeton World FD
JP MorganGovernment FD
Pimco Total Return FD
Eaton Vance LG Cap Value FD
Templeton Dev MKT FD
Davis NY Venture FD
ML Ret Preservation FD
Ml Equity Index Trust FD

Have a good weekend!!!!:1036316054:
Click to expand...

braceface :1036316054:

We used to have Merrill Lynch as our administrator and now have Vanguard which puts us on the same page as FedEx Express.
When we had Merrill Lynch all our fund choices were NO LOAD. And I hope yours are also no load funds if they are Institutional shares and not Investor shares.
For example the first fund you quoted
American Growth Fund of America has a 5.75 front end load or the may also have another class of shares with a back end load if you don't keep for certain amount of years.
Key Stats more

Morningstar Category Morningstar Rating
Large Growth

NAV (04-27-07) Day Change
$34.96 $-0.03

Total Assets($mil) Expense Ratio %
169,121 0.63

Front Load % Deferred Load %
5.75 None

American Europacific Growth Fund
Key Stats more

Morningstar Category Morningstar Rating
Foreign Large Blend

NAV (04-27-07) Day Change
$50.19 $-0.22

Total Assets($mil) Expense Ratio %
104,023 0.76

Front Load % Deferred Load %
5.75 None

Lazard Mid Cap open
Lazard Mid Cap Portfolio (Retail Class) (LZMOX) [NTF]
Overview
Holdings
Risk attributes
Performance
Management
Price history
Fees & minimums
Prospectus & reports


Fund Overview

Non-Vanguard funds are offered through FundAccess®.

Price as of 04/27/2007 $15.61
Change –$0.06 –0.38%
Yield —
Expense ratio as of 12/31/2006
Note 1.18%
Inception date 11/03/1997
Ticker symbol LZMOX

Mid-Cap Blend

Learn more about this fund's investment strategy and policy.



Important Fee Information



12b-1 Fee 0.25%

FundAccess® Transaction Fee None**
Purchase Fee None
Redemption Fee 1% < 30 days & VBS 1% fee ($50 min, $250 max) for shares held less than 6 months
Load None



Fund Style

Type Domestic Stock
Category Mid-Cap Blend




Knowing a fund's investment style can help you understand how it might fit in your portfolio. This information can also help you build a portfolio that's broadly diversified across markets and less susceptible to sharp swings in any one market area.

Stock style
Vanguard uses a 9-box grid called a &quot;style box&quot; to show how a domestic stock fund's holdings are distributed by primary investment style (growth, value, or blend) and market capitalization category (large-, mid-, and small-cap companies).
Style
Value Blend Growth
Large
Market Cap.
Med

Small




Average Annual Returns—Updated Quarterly as of 03/31/2007

The performance data shown represent past performance, which is not a guarantee of future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited. See performance data current to the most recent month-end.

Important fund performance information
Display data in bar chart

1 Year 3 Year 5 Year 10 Year Since Inception
11/03/1997
Lazard Mid Cap Open 15.27% 14.63% 10.99% — 11.05%
S&P 400 TR 8.44% 13.35% 10.70% 14.28% —
Gartmore Small Cap
They have many small cap funds and need the rest of the name to be specific. I'll give the Index small cap
Key Stats more

Morningstar Category Morningstar Rating
Small Blend

NAV (04-27-07) Day Change
$13.31 $-0.07

Total Assets($mil) Expense Ratio %
725 0.30

Front Load % Deferred Load %
None None

Yield % (TTM) Min Investment
1.64 $1,000,000
this fund is no lad and also has loe expense ratio.

Templeton World Fund
Templeton World Fund Class C (TEWTX) [Load]
Overview
Holdings
Risk attributes
Performance
Management
Price history
Fees & minimums
Prospectus & reports


Fund Overview

Non-Vanguard funds are offered through FundAccess®.

Price as of 04/27/2007 $19.90
Change –$0.08 –0.40%
Yield —
Expense ratio as of 08/31/2006
Note 1.82%
Inception date 05/01/1995
Ticker symbol TEWTX

World Stock

Learn more about this fund's investment strategy and policy.



Important Fee Information



12b-1 Fee 1.00%

FundAccess® Transaction Fee $0
Purchase Fee None
Redemption Fee 2% if held < 1 month
Load 1.00%**

This fund has a very high expense ratio of 1.82% and a 12b-1 fee of 1.00%

You can look at the rest of your funds at Morningstar: Stocks, Mutual Funds, and Investing or www.vanguard.com
I'm afraid that many of your fund choices have either some kind of a load or 12b-1 fee and some have high expense ratios that translates into you having smaller profit or net gains. You can use the Vanguard Total Stock Market fund or the Vanguard S&P 500 fund as your bogie to compare how your other domestic stock funds compare. Vanguard has THE smallest expense ratios in the industry and maybe you should talk to the Folks at R & L about getting you guys over to Vanguard and have a similar plan that we have at FedEx Freight & Ground.
:smilie_132:
 
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