AUGAX vs VIITX

Both AUGAX and VIITX are mutual funds. AUGAX has a lower 5-year return than VIITX (1% vs 1.31%). AUGAX has a higher expense ratio than VIITX (0.9% vs 0.02%). Below is the comparison between AUGAX and VIITX.

AUGAX VIITX
Security Type Mutual fund Mutual fund
Segment Taxable Fixed Income: Intermediate-Term Bond Taxable Fixed Income: Intermediate-Term Bond
Family Columbia Threadneedle Vanguard
Net Assets $327.70M $30.89B
Expense Ratio 0.90% 0.02%
Management Style active active
Dividend Yield 1.95% 1.31%
Minimum Investment $2,000.00 N/A
YTD Return -8.75% -5.62%
1-Year Return -6.10% -3.45%
3-Year Return -0.15% 0.81%
5-Year Return 1.00% 1.31%
10-Year Return 1.80% N/A

AUGAX

AUGAX description

The Fund seeks current income as its primary goal, and preservation of capital as its secondary goal, by investing primarily in mortgage-related securities that either are issued or guaranteed as to principal and interest by the U.S. government, its agencies, authorities or instrumentalities.

AUGAX performance & returns
YTD Return -8.75%
1-Month Return -0.14%
3-Month Return -6.10%
1-Year Return -6.10%
3-Year Return -0.15%
5-Year Return 1.00%
10-Year Return 1.80%
AUGAX expense ratio is 0.9%.

AUGAX holdings

Top 10 Holdings (27.56% of Total Assets)

Name Symbol % Assets
Federal National Mortgage Association 2% N/A 5.52%
Federal National Mortgage Association 4% N/A 5.38%
5 Year Treasury Note Future Dec 20 ZFZ0 3.76%
Federal National Mortgage Association 2.5% N/A 3.09%
Columbia Short-Term Cash N/A 2.34%
Government National Mortgage Association 3% N/A 2.07%
Federal Home Loan Mortgage Corporation 3% N/A 1.92%
Federal National Mortgage Association 3% N/A 1.77%
Federal National Mortgage Association 3.5% N/A 1.71%

AUGAX pros

The following are AUGAX strengths from our perspective:

  • AUGAX 3-year return is -0.15%, which is higher than the 3-year return of the benchmark index (Bloomberg US MBS TR USD), -0.49%.
  • AUGAX 5-year return is 1%, which is higher than the 5-year return of the benchmark index (Bloomberg US MBS TR USD), 0.62%.
  • AUGAX 10-year return is 1.8%, which is higher than the 10-year return of the benchmark index (Bloomberg US MBS TR USD), 1.34%.
  • AUGAX 15-year return is 3.46%, which is higher than the 15-year return of the benchmark index (Bloomberg US MBS TR USD), 3.03%.

AUGAX cons

The following are AUGAX weaknesses from our perspective:

  • AUGAX net assets are $327.70 million. This fund is not a popular choice with retail investors.
  • AUGAX expense ratio is 0.9%, 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 front-end sales fee. The maximum 12b1 fee is 0.25%, while the maximum front-end sales load is 3%. A 12b-1 fee is an annual marketing or distribution fee on a mutual fund. Front-end sales load, also known as sales charge, is a fee paid when mutual funds shares are purchased. Those fees are subtracted from your total investable assets.

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VIITX

VIITX description

The Fund seeks to provide a high level of current income consistent with the maintenance of principal and liquidity. The Fund invests primarily in a diversified portfolio of short- and intermediate-term high-quality fixed income securities. The Fund will invest at least 80% of its assets in fixed income securities.

VIITX performance & returns
YTD Return -5.62%
1-Month Return 0.14%
3-Month Return -3.45%
1-Year Return -3.45%
3-Year Return 0.81%
5-Year Return 1.31%
10-Year Return N/A
VIITX expense ratio is 0.02%.

VIITX holdings

Top 10 Holdings (14.79% of Total Assets)

Name Symbol % Assets
Vanguard Market Liquidity Inv N/A 3.71%
Federal National Mortgage Association 2.5% N/A 1.94%
Government National Mortgage Association N/A 1.35%
United States Treasury Notes 0.5% N/A 1.28%
United States Treasury Notes N/A 1.26%
United States Treasury Notes 0.25% N/A 1.21%
Federal National Mortgage Association N/A 1.10%
Federal National Mortgage Association 2% N/A 1.01%
United States Treasury Notes 2.88% N/A 0.98%
United States Treasury Notes 1.38% N/A 0.95%

VIITX pros

The following are VIITX strengths from our perspective:

  • VIITX 3-year return is 0.81%, which is higher than the 3-year return of the benchmark index (Bloomberg Intermediate Aggregate Ex Baa TR USD), 0.26%.
  • VIITX 5-year return is 1.31%, which is higher than the 5-year return of the benchmark index (Bloomberg Intermediate Aggregate Ex Baa TR USD), 0.97%.
  • VIITX expense ratio is 0.02%, 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.

VIITX cons

None that we could think of.

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