What do you think about these mutual funds?

Question

Are they good? What do you like or dis-like about them?

USAUX Aggressive Growth Fund

Expense ratio 1.06%

1 day -0.99%

1 week -0.12%

4 week -0.86%

3 month -9.17%

YTD -15.15%

1 year -9.20%

3 year annualized 2.68%

5 year annualized 5.95%

Best 3month return 63.65%

Worst 3month return -36.97%

USAWX World Growth Fund

Expense ratio 1.30%

Trailing total returns

1 day -0.55%

1 week -0.06%

4 week -1.21%

3 month -10.82%

YTD -11.57%

1 year -8.73%

3 year annualized 7.88%

5 year annualized 11.98%

USIFX International Fund

Expense ratio 1.20%

Trailing total returns

1 day -0.13%

1 week 0.42%

4 week -3.36%

3 month -14.01%

YTD -13.01%

1 year -11.31%

3 year annualized 8.86%

5 year annualized 13.93%

Are the trailing returns listed here the returns that you get after the expenses are paid? I got this information from the google website...

Answer 1

Yes on trailing returns question.  There is nothing real promising about any of these funds.  If your broker directed you to these funds, dump him.

Answer 2

I'm not crazy about Funds because you can not borrow our get insurance on them,  when I can put insurance on them I will look again,

Answer 3

It is my personal opinion that anything with the title "aggresive growth" should be avoided like the plague. If you had shown us the 10 yr return of USUAX you would have shown us 2.9%.  That has got to be one of the poorest returns among mutual funds. USAWX is about in the same boat but it is not sinking quite as fast.

USIFX is not great but not bad.  

Do these happen to be among your choices for a 401k account?  That is sort of what it looks like.  

If not there are far better choices available for international mutual funds.  For example I would pick Vanguard Global Equity Fund VHGEX beats these selections hands down 10 year return of 10.17%.  5 year return of 14.2%.

You will notice that there is not much difference between the 5 year returns of the USIFX and VHGEX but there is a big difference between the 10 year returns.