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15 important things you should know about Allianz Global Investors RAGHX mutual fund

Updated: September 28, 2020
57
Bull Case
  • 3-year return above the benchmark
  • 5-year return above the benchmark
  • 10-year return above the benchmark
  • 15-year return above the benchmark
Bear Case
  • Low net assets
  • High expense ratio
  • Sales load and/or distribution fees

Before we start: if you’re looking for RAGHX “stock” price, you can quickly find it out by visiting Finny and typing "RAGHX quote". If you’re looking for a quick scoop on RAGHX "stock" (price chart, key stats, buy or sell analysis and holdings), go to Finny and look for "RAGHX". You’ll get all this info in one place.

Are you looking to buy or sell RAGHX? Or perhaps you’re looking for RAGHX fact sheet, and learn about its alternatives? If so, you came to the right place.

In this RAGHX mutual fund review, we’ll address key questions our readers have been asking us about this fund, above and beyond what you can find in its prospectus, and on Morningstar or Yahoo Finance.

Here is what you’ll be able to find in this review:

  • Fact Sheet: RAGHX performance, returns, expense ratio, holdings and dividend yield;
  • Analysis: RAGHX buy or sell; the pros and cons of investing in RAGHX mutual fund;
  • Alternatives: other ETFs and mutual funds you should consider as alternatives to RAGHX.

And here is the list of questions we’ll answer:

  1. Describe Allianz Funds: AllianzGI Health Sciences Fund; Class A Shares (RAGHX).
  2. What are RAGHX holdings?
  3. What is RAGHX performance? What are RAGHX historical returns?
  4. How many up and down years did RAGHX have historically?
  5. What is RAGHX dividend yield?
  6. What is RAGHX minimum initial investment amount?
  7. What is RAGHX expense ratio?
  8. Does RAGHX have any sales loads or 12b-1 distribution expenses?
  9. What is RAGHX tax efficiency (tax-cost ratio)?
  10. What is RAGHX beta? How would you assess RAGHX risk?
  11. What is RAGHX Sharpe ratio?
  12. What is RAGHX Finny Score? RAGHX buy or sell?
  13. What are the pros of investing in RAGHX? What are RAGHX buy reasons?
  14. What are the cons of investing in RAGHX? What are RAGHX sell reasons?

So let’s start. Scroll down to the question that interests you the most.

Fact Sheet

1. Describe Allianz Funds: AllianzGI Health Sciences Fund; Class A Shares (RAGHX).

The Fund seeks long-term capital appreciation by investing at least 65% of its assets in healthcare sector equity securities. Under normal market conditions, the fund will invest at least 65% of its assets will be invested in companies located in at least three different countries, including possibly the United States.

2. What are RAGHX top holdings?

RAGHX has 65 stock holdings and 0 bond holdings.

The top 10 holdings represent 44.85% of total assets. Here are the top holdings:

Name Symbol % Assets
Pfizer Inc PFE 5.61%
AstraZeneca PLC ADR AZN.L 5.52%
Roche Holding AG ADR RHHBY 5.44%
Bristol-Myers Squibb Company BMY 5.08%
Novartis AG ADR NVS 4.84%
Merck & Co Inc MRK 4.29%
Johnson & Johnson JNJ 4.24%
UnitedHealth Group Inc UNH 3.82%
Horizon Therapeutics PLC HZNP 3.03%
AbbVie Inc ABBV 2.98%

3. What is RAGHX performance? What are RAGHX historical returns?

RAGHX has generated the following returns:

  • 1-month return is -0.22%;
  • 3-month return is 3.90%;
  • 1-year return is 19.72%;
  • 3-year return is 11.32%;
  • 5-year return is 8.25%;
  • 10-year return is 14.33%;
  • 15-year return is 10.13%.

4. How many up and down years did RAGHX have historically?

In the last 10 years, RAGHX had 9 up years and 1 down year.

RAGHX up and down years

5. What is RAGHX dividend yield?

RAGHX yield is 0.01%.

6. What is RAGHX minimum initial investment amount?

RAGHX minimum initial investment amount is $1.00K.

7. What is RAGHX expense ratio?

RAGHX expense ratio is 1.47%. The expense ratio of a fund is the total percentage of fund assets used for administrative, management, and all other expenses.

RAGHX expenses

8. Does RAGHX have any sales loads or 12b-1 distribution expenses?

RAGHX 12b-1 distribution fee is 0.25. RAGHX front-end sales load is 5.5. RAGHX back-end sales load is 0.

9. What is RAGHX tax efficiency (tax-cost ratio)?

  • 1-year ax cost ratio is 1.84%;
  • 3-year ax cost ratio is 1.8%.
RAGHX tax costs

10. What is RAGHX beta? How would you assess RAGHX risk?

  • 3-year beta is 0.74;
  • 5-year beta is 0.80;
  • 10-year beta is 0.77;
  • 15-year beta is 0.70.
RAGHX Beta

11. What is RAGHX Sharpe ratio?

  • 3-year Sharpe ratio is 0.61;
  • 5-year Sharpe ratio is 0.40;
  • 10-year Sharpe ratio is 0.98;
  • 15-year Sharpe ratio is 0.65.
RAGHX Sharpe ratio

Analysis

12. What is Finny Score? buy or sell?

Finny Score is 57. Our quantitative analysis shows 4 reasons to buy and 3 reasons to sell it, resulting in the Finny Score of 57.

13. What are the pros of investing in RAGHX? What are RAGHX buy reasons?

The following are RAGHX strengths from our perspective:

  • <strong>RAGHX 3-year return</strong> is 11.32%, which is higher than the 3-year return of the benchmark index (MSCI World/Health Care NR USD), 10.24%.
  • <strong>RAGHX 5-year return</strong> is 8.25%, which is in line with the 5-year return of the benchmark index (MSCI World/Health Care NR USD), 8.36%.
  • <strong>RAGHX 10-year return</strong> is 14.33%, which is higher than the 10-year return of the benchmark index (MSCI World/Health Care NR USD), 13%.
  • <strong>RAGHX 15-year return</strong> is 10.13%, which is higher than the 15-year return of the benchmark index (MSCI World/Health Care NR USD), 9.02%.

14. What are the cons of investing in RAGHX? What are RAGHX negatives?

The following are RAGHX weaknesses from our perspective:

  • <strong>RAGHX net assets</strong> are $154.60 million. This fund is not a popular choice with retail investors.
  • <strong>RAGHX expense ratio</strong> is 1.47%, 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 5.5%. 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.
In the RAGHX review, we covered RAGHX key stats (return, performance, yield, expense ratio, and holdings), buy and sell analysis, and alternative investments. If this review was helpful to you, feel free to check out other mutual fund and ETF reviews.
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