ATFCX vs VMLUX

Both ATFCX and VMLUX are mutual funds. ATFCX has a lower 5-year return than VMLUX (0.23% vs 1.03%). ATFCX has a higher expense ratio than VMLUX (1.33% vs 0.09%). Below is the comparison between ATFCX and VMLUX.

ATFCX VMLUX
Security Type Mutual fund Mutual fund
Segment Tax Exempt Fixed Income: Muni National Short Tax Exempt Fixed Income: Muni National Short
Family Invesco Vanguard
Net Assets $69.90M $33.93B
Expense Ratio 1.33% 0.09%
Management Style active active
Dividend Yield 0.26% 1.28%
Minimum Investment $1,000.00 $50,000.00
YTD Return -4.23% -4.26%
1-Year Return -2.62% -2.60%
3-Year Return -0.22% 0.45%
5-Year Return 0.23% 1.03%
10-Year Return 0.61% 1.18%

ATFCX

ATFCX description

The Fund seeks to generate as high a level of tax-exempt income as is consistent with the preservation of capital, by investing in high-quality, intermediate-term municipal securities that have a maturity of 10 years or less.

ATFCX performance & returns

YTD Return -4.23%
1-Month Return -0.51%
3-Month Return -2.62%
1-Year Return -2.62%
3-Year Return -0.22%
5-Year Return 0.23%
10-Year Return 0.61%
ATFCX expense ratio is 1.33%.

ATFCX holdings

Top 10 Holdings (13.14% of Total Assets)

Name Symbol % Assets
NEW YORK N Y CITY MUN WTR FIN AUTH WTR & SWR SYS REV 0.09% N/A 2.45%
TENNESSEE ENERGY ACQUISITION CORP GAS REV 5.25% N/A 1.78%
GULF COAST INDL DEV AUTH TEX REV 0.05% N/A 1.60%
METROPOLITAN TRANSN AUTH N Y REV 0.1% N/A 1.56%
BLACK BELT ENERGY GAS DIST ALA GAS PREPAY REV 4% N/A 1.27%
NEW YORK N Y CITY INDL DEV AGY REV 0.12% N/A 1.13%
ARIZONA HEALTH FACS AUTH REV 0.08% N/A 0.97%
MISSISSIPPI BUSINESS FIN CORP MISS GULF OPPORTUNITY ZONE 0.08% N/A 0.86%
CHESAPEAKE BAY BRDG & TUNL DIST VA REV 5% N/A 0.78%
MIZUHO FLOATER / RESIDUAL TR VAR STS 0.36% N/A 0.74%

ATFCX pros

None that we could think of.

ATFCX cons

The following are ATFCX weaknesses from our perspective:

  • ATFCX net assets are $69.90 million. This fund is not a popular choice with retail investors.
  • ATFCX 3-year return is -0.22%, which is lower than the 3-year return of the benchmark index (S&P Municipal Bond TR), -0.07%.
  • ATFCX 5-year return is 0.23%, which is lower than the 5-year return of the benchmark index (S&P Municipal Bond TR), 1.43%.
  • ATFCX 10-year return is 0.61%, which is lower than the 10-year return of the benchmark index (S&P Municipal Bond TR), 2.37%.
  • ATFCX expense ratio is 1.33%, which is not negligible. Is the fund expensive to you, and does it align to your investment strategy?
  • Warning: this fund has a 12b1 and deferred sales fee. The maximum 12b1 fee is 1%, while the maximum deferred sales load is 1%. A 12b-1 fee is an annual marketing or distribution fee on a mutual fund. Deferred sales load is a back-end sales charge and is imposed when an investor redeems shares.

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VMLUX

VMLUX description

The Fund seeks to provide investors with a high level of current income exempt from Federal income taxes primarily through investment in high-quality municipal securities with an average maturity of 2 to 5 years.

VMLUX performance & returns

YTD Return -4.26%
1-Month Return -0.35%
3-Month Return -2.60%
1-Year Return -2.60%
3-Year Return 0.45%
5-Year Return 1.03%
10-Year Return 1.18%
VMLUX expense ratio is 0.09%.

VMLUX holdings

Top 10 Holdings (3.09% of Total Assets)

Name Symbol % Assets
GRAND PKWY TRANSN CORP TEX N/A 0.63%
NUVEEN INSD TAX-FREE ADVANTAGE MUN FD N/A 0.44%
MAIN STR NAT GAS INC GA GAS SUPPLY REV N/A 0.39%
NUVEEN AMT-FREE MUN CR INCOME FD N/A 0.35%
KENTUCKY INC KY PUB ENERGY AUTH GAS SUPLLY REV N/A 0.35%
CENTRAL PLAINS ENERGY PROJ NEB GAS SUPPLY REV N/A 0.33%
NEW YORK N Y CITY HSG DEV CORP MULTIFAMILY RENT HSG REV N/A 0.31%
BLACK BELT ENERGY GAS DIST ALA GAS SUPPLY REV N/A 0.29%

VMLUX pros

The following are VMLUX strengths from our perspective:

  • VMLUX 3-year return is 0.45%, which is higher than the 3-year return of the benchmark index (Bloomberg Municipal 1-5 Yr TR USD), 0.23%.
  • VMLUX 5-year return is 1.03%, which is higher than the 5-year return of the benchmark index (Bloomberg Municipal 1-5 Yr TR USD), 0.79%.
  • VMLUX 10-year return is 1.18%, which is higher than the 10-year return of the benchmark index (Bloomberg Municipal 1-5 Yr TR USD), 1.02%.
  • VMLUX 15-year return is 2.03%, which is in line with the 15-year return of the benchmark index (Bloomberg Municipal 1-5 Yr TR USD), 2.07%.
  • VMLUX expense ratio is 0.09%, which is considered low. Nice job picking a low-cost fund.
  • Good news: this fund does not have 12b1, front-end or back-end sales fees.

VMLUX cons

None that we could think of.

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