I like fatix and FSPGX due to it’s all america equity. However is fatix worth it? FSPGX offers a .04 ratio and bi-annual dividend & capital gains

Given your preference for funds that hold American equity and your interest in the performance of FATIX and FSPGX, let's delve into the specifics of FATIX to determine if it's worth considering, especially in comparison to FSPGX. 1. **FATIX's American Equity Focus and Performance**: - FATIX, as a Sector - Tech mutual fund, provides exposure to American technology companies, which are known for their innovation and growth potential. - With a 5-year annualized total return of 25.05%, FATIX has demonstrated strong performance, placing it in the top third among its category peers. - Its standard deviation of 25.13% over the past three years is higher than the category average, indicating a more volatile fund. - FATIX's expense ratio is 0.71%, and its management fee is 0.53%, which are reasonable but higher than FSPGX's expense ratio of 0.035%. 2. **FSPGX's American Equity Focus and Performance**: - FSPGX, as a Large Cap Growth Index fund, offers broad exposure to American equities with a focus on large-cap stocks. - With a lower expense ratio, FSPGX is a more cost-effective option, which can contribute to higher returns over time. - FSPGX distributes dividends and capital gains annually, which can be advantageous for investors looking for regular income streams. - FSPGX's standard deviation is lower than FATIX's, indicating it may be less volatile. 3. **Comparative Analysis**: - FATIX's higher expense ratio and management fee may offset some of its performance benefits, especially when compared to the lower-cost FSPGX. - FATIX's higher volatility may be acceptable for investors who can handle the potential for significant losses alongside gains. - FSPGX's lower expense ratio and potentially lower volatility make it an attractive option for investors seeking a more conservative investment approach within the American equity space. 4. **Dividend and Capital Gains Distribution**: - Both funds distribute capital gains, but FATIX's frequency is not specified, while FSPGX distributes them bi-annually. - FSPGX's dividend frequency can be a positive aspect for investors who prefer regular income, but the actual yield and growth rate are not provided. **Conclusion**: FATIX's higher risk profile, including its higher expense ratio and potentially greater volatility, may be suitable for investors who are comfortable with the potential for substantial losses as well as gains. Its strong performance in the technology sector could be beneficial for investors aligned with that sector's growth potential. FSPGX, with its lower expense ratio and potentially lower volatility, offers a more conservative option within the American equity space. The regular dividend and capital gains distribution can be appealing for investors seeking income and capital appreciation. Ultimately, the decision between FATIX and FSPGX should be based on your individual risk tolerance, investment horizon, and the alignment of the fund's characteristics with your investment goals and preferences. If you prefer the higher risk and potential for substantial growth in the technology sector, FATIX may be worth considering. If you prefer a more conservative approach with lower costs and potentially lower volatility, FSPGX might be the better choice.