Looking to secure your retirement with a healthy nest egg? Like most investors, you’ve probably gotten a bad case of whiplash surveying an increasingly volatile stock market. Just take a look at its recent performance: The Dow Jones industrial average reached a milestone by passing the 14,000 mark in mid-July and, within just one month, dropped below 13,000 due to concerns in the credit markets triggered by the ongoing subprime lending crisis. These developments have left legions of individual investors dazed and confused. But one thing’s for sure: those who invest for the long haul fare much better than market-timers or investors driven by herd mentality.
That’s why our editors worked with Chicago-based mutual fund research firm Morningstar to create a list of consistent top performers. Welcome to our unveiling of the inaugural Moneywise 100 — be’s guide to the best mutual funds across 10 categories. Our criteria include the following:
Three- and five-year total returns in the top quartile of their respective categories
No loads and a minimum initial investment of $2,500 or less
A turnover rate and expense ratio less than the category average
Fund manager tenure of three years or more
In addition to actively managed funds, we highlight a range of index funds plus a few select diversified exchange-traded funds. So whatever you’re looking for, you can find the fund to match your objectives on the following pages. Doing so may get you a bit closer to sandy beaches during your golden years.
Fund Name |
Ticker Symbol |
3-Year Return |
5-Year Return |
Expense Ratio |
Minimum Initial Investment |
Website |
Large Cap |
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Janus Contrarian | JSVAX | 0.262 | 0.22 | 0.0094 | 2500 | www.janus.com |
Columbia Marsico 21st Century Z | NMYAX | 19.1 | 18.4 | 1.01 | 0 | www.columbia funds.com |
RiverSource Diversified Equity Inc R4 | IDQYX | 19.9 | 17.3 | 0.93 | 2000 | www.river source.com |
Excelsior Value & Restructuring | UMBIX | 17.6 | 16.9 | 1.05 | 500 | www.excelsior funds.com |
Hartford Value HLS IB | HBVOX | 16.8 | 16.5 | 0.89 | 0 | www.hartford investor.com |
Fifth Third Multi Cap Value Instl | MXEIX | 16.4 | 16.4 | 1.29 | 1000 | www.53.com |
1st Source Monogram Income Equity | FMIEX | 17.6 | 14.7 | 1.15 | 1000 | www.1stsource .com |
Neuberger Berman Partners Tr | NBPTX | 18 | 14.5 | 0.99 | 1000 | www.nb.com |
T. Rowe Price Spectrum Growth | PRSGX | 15.4 | 14.2 | 0.81 | 2500 | www.trowe price.com |
American Funds New Economy F | ANFFX | 14.9 | 14 | 0.79 | 250 | www.american funds.com |
Mutual Shares Z | MUTHX | 16.4 | 13.8 | 0.76 | 1000 | www.franklin temple ton.com |
Neuberger Berman Socially Resp Tr | NBSTX | 14.5 | 13.5 | 1.13 | 1000 | www.nb.com |
T. Rowe Price Value | TRVLX | 15.4 | 13.4 | 0.87 | 2500 | www.trowe price.com |
Manning & Napier Tax Managed A | EXTAX | 15.5 | 13.3 | 1.2 | 2000 | www.manning napier advisors .com |
T. Rowe Price Value Adv | PAVLX | 15.2 | 13.2 | 1.02 | 2500 | www.trowe price.com |
Robeco Boston Partners Inv | BPLIX | 15.9 | 12.8 | 1.11 | 2500 | www.robecoi nvest.com |
Seligman Large Cap Value I | SLVIX | 15.6 | 12.8 | 0.97 | 0 | www.selig man.com |
T. Rowe Price Growth Stock | PRGFX | 12.4 | 11.9 | 0.7 | 2500 | www.trowe price.com |
Neuberger Berman Guardian Tr | NBGTX | 14.3 | 11.8 | 1.04 | 1000 | www.nb.com |
Oppenheimer Equity Y | OEQYX | 13.1 | 11.5 | 0.72 | 1000 | www.oppen heimer funds.com |
Mid Cap |
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Hodges | HDPMX | 22.2 | 24.2 | 1.42 | 250 | www.hodges fund.com |
FBR Small Cap | FBRVX | 19.2 | 23.2 | 1.38 | 2000 | www.fbrfunds.com |
RiverSource Mid Cap Value R4 | RMCVX | 21.9 | 19.7 | 1.16 | 2000 | www.river source.com |
Janus Orion | JORNX | 20.7 | 18.3 | 0.99 | 2500 | www.janus.com |
Columbia Mid Cap Value Z | NAMAX | 19.9 | 16.9 | 0.87 | 0 | www.columbia funds.com |
Roosevelt Anti-Terror Multi-Cap | BULLX | 16.4 | 16.4 | 1.28 | 1000 | www.anti- terror fund.com |
Fidelity Value | FDVLX | 17.7 | 16.1 | 0.66 | 2500 | www.fidelity.com |
Heartland Select Value | HRSVX | 18.9 | 16.1 | 1.25 | 1000 | www.american value investor.com |
Westcore Mid-Cap Value | WTMCX | 18 | 15.8 | 1.23 | 2500 | www.westcore.com |
Janus Enterprise | JAENX | 16.2 | 15.8 | 0.99 | 2500 | www.janus.com |
Janus Adviser Mid Cap Growth S | JGRTX | 16.4 | 15.5 | 1.15 | 2500 | www.janus.com |
JHT Value Trust Ser I | JEVLX | 18.9 | 15.4 | 0.83 | 0 | www.jhfunds.com |
Small Cap |
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Royce Value Plus Service | RYVPX | 19.8 | 25.1 | 1.26 | 2000 | www.royce funds.com |
Royce Value Service | RYVFX | 21.5 | 23.6 | 1.31 | 2000 | www.royce funds.com |
Perritt Micro Cap Opportunities | PRCGX | 17.8 | 20.8 | 1.29 | 1000 | www.perrit tmutualfunds.com |
Columbia Small Cap Value II Z | NSVAX | 17.1 | 16.5 | 1.02 | 0 | www.columbia funds.com |
Gabelli Small Cap Growth AAA | GABSX | 16.3 | 16.1 | 1.44 | 1000 | www.gabelli.com |
Pennsylvania Mutual Inv | PENNX | 16.4 | 16 | 0.87 | 2000 | www.royce funds.com |
Excelsior Small Cap | UMLCX | 14.4 | 15.5 | 1.22 | width=”51″>500 | www.excelsior funds.com |
Westcore Small-Cap Opportunity | WTSCX | 16.2 | 15.5 | 1.3 | 2500 | www.westcore.com |
Foreign Stock |
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Janus Overseas | JAOSX | 38.8 | 25.3 | 0.91 | 2500 | www.janus.com |
Fidelity Canada | FICDX | 29.4 | 24.9 | 0.97 | 2500 | advisor.fidelity.com |
Janus Adviser International Growth S | JIGRX | 37.8 | 24.3 | 1.23 | 2500 | www.janus.com |
Dodge & Cox International Stock | DODFX | 26.3 | 23 | 0.66 | 2500 | www.dodgeand cox.com |
AllianceBernstein Intl Growth Adv | AWPYX | 26.3 | 22.6 | 1.13 | 0 | www.alliance bernstein.com |
RiverSource Intl Select Value R4 | Â | 26 | 21.2 | 1.3 | 2000 | www.river source.com |
Thomas White International | TWWDX | 29.4 | 21 | 1.44 | 2500 | www.thomas white.com |
SSgA International Stock Selection | SSAIX | 24.9 | 20.1 | 1 | 1000 | www.ssgafunds.com |
Manning & Napier World Opportunities A | EXWAX | 24.3 | 19.8 | 1.16 | 2000 | www.manning napier advisors.com |
New Century International | NCFPX | 25.3 | 19.5 | 2.42 | 1000 | www.newcentury portfolios.com |
Sextant International | SSIFX | 24.7 | 18.6 | 1.02 | 1000 | www.saturna. com |
American Funds EuroPacific Gr F | AEGFX | 23.4 | 18.4 | 0.78 | 250 | www.american funds.com |
Elfun International Equity | EGLBX | 25.1 | 18 | 0.18 | 500 | www.gefunds. com /elfun |
GE Instl International Equity Inv | GIEIX | 24.5 | 17.6 | 0.56 | 0 | www.geam.com |
source: morningstar inc. morningstar makes every effort to ensure the accuracy AND COMPLETENESS of this data, but cannot guarantee it. Top funds in each category, ranked by FIVE-year returns. open to the public. returns through june 30, 2007. |
Fund Name |
Ticker Symbol |
3-Year Return |
5-Year Return |
Expense Ratio |
Minimum Initial Investment |
Website |
Sector |
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Hartford Global Comm HLS IB | HBGCX | 0.247 | 0.285 | 0.0089 | 0 | institutional. hartfordlife.com |
Alpine International Real Estate | EGLRX | 33 | 27.6 | 1.17 | 1000 | www.alpine cef.com |
Matthews Asian Technology | MATFX | 20.1 | 19.5 | 1.39 | 2500 | www.matthews funds.com |
Buffalo Science & Technology | BUFTX | 11.7 | 17.4 | 1.03 | 2500 | www.buffalo funds.com |
Schwab Health Care | SWHFX | 15.4 | 17.3 | 0.84 | 100 | www.schwab.com |
T. Rowe Price Health Sciences | PRHSX | 12.1 | 14.8 | 0.87 | 2500 | www.trowe price.com |
VALIC I Health Sciences | VCHSX | 11.2 | 14.1 | 1.16 | 0 | www.aig valic.com |
JHT Health Sciences Trust Ser I | JEHSX | 11.1 | 13.9 | 1.16 | 0 | www.jhfunds.com |
JHT Financial Services Trust Ser I | JEFSX | 14.8 | 13.4 | 0.91 | 0 | www.jh annuities. com |
Core Bond |
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Managers Bond | MGFIX | 5.6 | 6.6 | 0.99 | 2000 | www.managers invest.com |
American Funds Bond Fund of Amer F | BFAFX | 4.9 | 6.5 | 0.6 | 250 | www.american funds.com |
Westcore Plus Bond | WTIBX | 4.8 | 6.1 | 0.55 | 2500 | www.westcore.com |
Baird Core Plus Bond Inv | BCOSX | 5.1 | 5.9 | 0.55 | 2500 | www.rwbaird.com |
Wells Fargo Advantage Corp. Bond Adv | SCBDX | 4.1 | 5.7 | 1 | 1000 | www.wellsfargo advantage funds.com |
Oppenheimer Core Bond Y | OPBYX | 4.6 | 5.6 | 0.55 | 1000 | www.oppen heimer funds.com |
Thompson Plumb Bond | THOPX | 3.3 | 5.6 | 0.72 | 2500 | www.thompson plumb.com |
Baird Aggregate Bond Inv | BAGSX | 4.3 | 5.1 | 0.55 | 2500 | www.rwbaird.com |
Dodge & Cox Income | DODIX | 4.1 | 4.9 | 0.44 | 2500 | www.dodg eand cox.com |
Analytic Short-Term Govt Inc Instl | ANSTX | 4.2 | 4.4 | 0.6 | 2500 | www.an investor.com |
Sp |
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Fidelity Advisor High Income Advantage I | FAHCX | 13.1 | 18.6 | 0.81 | 2500 | advisor.fidelity.com |
Fidelity Capital & Income | FAGIX | 12 | 17.1 | 0.75 | 2500 | www.fidelity.com |
Loomis Sayles Bond Ret | LSBRX | 10.5 | 13.2 | 1 | 2500 | www.ixis advisor funds.com |
American Funds American Hi Inc Tr F | AHTFX | 9.3 | 12.6 | 0.68 | 250 | www.american funds.com |
Oppenheimer Strat Income Y | OSIYX | 8.8 | 10.2 | 0.58 | 0 | www.oppen heimer funds.com |
American Funds Capital World Bd F | WBFFX | 6.5 | 9 | 0.89 | 250 | www.american funds.com |
Domestic Equity Index |
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DFA U.S. Large Cap Value II | DFCVX | 17.4 | 14.5 | 0.16 | 0 | www.dfaus.com |
Schwab MarketTrack All Equity | SWEGX | 14.7 | 12.8 | 0.5 | 100 | www.schwab.com |
T. Rowe Price Total Equity Market Idx | POMIX | 12.6 | 11.7 | 0.4 | 2500 | www.trowe price.com |
Schwab Total Stock Market Index Inv | SWTIX | 12.4 | 11.6 | 0.53 | 100 | www.schwab.com |
Vantagepoint Broad Market Index I | VPMIX | 12.3 | 11.5 | 0.44 | 0 | www.icmarc.org |
TIAA-CREF Instl Equity Index Instl | TIEIX | 12.3 | 11.4 | 0.08 | 0 | www.tiaa-cref.org |
Schwab 1000 Index Inv | SNXFX | 12 | 10.9 | 0.49 | 100 | www.schwab.com |
Schwab Instl Select S&P 500 | ISLCX | 11.7 | 10.6 | 0.1 | 100 | www.schwab. com |
GE Instl S&P 500 Index Inv | GIDIX | 11.5 | 10.5 | 0.15 | 0 | www.geam.com |
Columbia Large Cap Index Z | NINDX | 11.5 | 10.5 | 0.14 | 0 | www.columbia funds.com |
International Equity Index | Â | Â | Â | Â | Â | Â |
DFA Intl Value II | DIVTX | 27.5 | 23.4 | 0.27 | 0 | www.dfaus.com |
STI Classic Intl Equity Index A | SIIIX | 22 | 17.4 | 0.91 | 2000 | www.sti classic funds.com |
T. Rowe Price International Eq Index | PIEQX | 21.9 | 17.3 | 0.5 | 2500 | www.trowe price.com |
Bond Index |
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Schwab Total Bond Market | SWLBX | 4.2 | 4.6 | 0.53 | 100 | www.schwab.com |
Columbia U.S. Treasury Index Z | IUTIX | 3.2 | 3.7 | 0.38 | 2500 | www.columbia funds.com |
Schwab Short-Term Bond Market | SWBDX | 3.3 | 3.6 | 0.55 | 100 | www.schwab.com |
ETFs–U.S. Diversified |
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iShares Russell Midcap Value Index | IWS | 19.1 | n/a | 0.25 | n/a | www.ishares.com |
iShares Dow Jones US Basic Materials | IYM | 18 | n/a | 0.48 | n/a | www.ishares.com |
Materials Select Sector SPDR | XLB | 17.3 | n/a | 0.24 | n/a | www.spdr index. com |
iShares NYSE Composite Index | NYC | 16.6 | n/a | 0.25 | n/a | www.ishares. com |
Rydex S&P Equal Weight | RSP | 14 | n/a | 0.4 | n/a | www.rydex funds.com |