BROCX vs PYVLX Fund Comparison

A comparison between BROCX and PYVLX based on their expense ratio, growth, holdings and how well they match their benchmark performance.

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Minafi's Take on BROCX vs PYVLX

Here's an in depth look at the differences between BlackRock Advantage International Fund Investor C Shares($BROCX) and Payden Equity Income Fund($PYVLX).

To start off, here's a look at the basics of each fund. Keep an eye on the FI Score. That's a custom score from 0 to 100 that we generate based on how good this fund is for the casual investor. Most investors only need a handful of total funds in their portfolio. The higher the score, the more likely this is one of those few. Score alone isn't enough! Keep reading on to see how different (or perhaps similar) these two funds are.

  • brocx
  • Mutual Fund
  • International Stocks
  • Large Blend

BlackRock Advantage International Fund Investor C Shares

Expenses: 1.59% (Better than 0% of similar funds)

This is a bad choice for a Large Blend International Stocks fund. See why »

  • pyvlx
  • Mutual Fund
  • US Stocks
  • Large Value

Payden Equity Income Fund

Expenses: 0.74% (Better than 1% of similar funds)

This is an OK choice for a Large Value US Stocks fund. See why »

Both $BROCX and $PYVLX are categorized as Mutual Funds. Mutual funds are often offered by 401(k) platforms and are essentially the same as ETFs. Mutual funds are generally offered by an investment platform – Fidelity has Fidelity mutual funds, Vanguard has Vanguard mutual funds. Mutual funds are ideal for retirement investing since you can invest any amount. That allows you to invest every last cent and benefit from the market.

The biggest disadvantage of mutual funds is that you're usually limited to the funds on your investment platform. If you're investing on Fidelity, you'll want to pick Fidelity mutual funds (or any ETF). Same with Vanguard. Some platforms offer mutual funds from other platforms, but they may charge a purchse or redemption fee. I'd recommend using the same platform as your funds – or stick to ETFs.

To learn more about the difference between these two, you can read about the difference between ETFs and Mutual Funds.

When evaluating a fund, the first things I look at are:

  • What it invests in
  • How much it charges in fees
  • How large the fund is

Let's look into these criteria one by one and see if either of these funds stands out.

Fund Holdings Comparison

Minafi's FI Score algorithm takes into account the category and market. The more niche a fund is, the lower the score. This doesn't mean it's a worse fund, but it does mean you should stop and make sure this a fund you need to diversify your portfolio.

BROCXPYVLX
Market Score 6.4 /10 7.0 /10
Category Score 10.0 /10 8.0 /10
Total16.415.0

A score of 10 means this is a solid market and category that almost every investor will want to have investments in. The lower the score, the more specific the investment. These scores are based on when most investors would add these funds to their portfolio. A score of 10 means that this fund (or one like it) belongs in a three-fund portfolio. The lower the score, the farther down in your portfolio a fund would go.

Winner: $BROCX

Fee Comparison

Fees are one of the biggest killers of portfolio growth. The difference between a 2% fee and a 0.04% fee over 30 years can result in your portfolio having half the total value!

If you're just getting started investing and learning how fees impact your portfolio, I'd encourage you to read through my free investment course (specifically '2.2 - All About Fees') where I go over all the different types of fees you can be charged and how to lower them.

For these two funds, BROCX has an expense ratio of 1.59% while PYVLX has an expense ratio of 0.74%.

Winner: $PYVLX

Fund Size Comparison

Both BROCX and PYVLX have a similar number of assets under management. BROCX has 896 Million in assets under management, while PYVLX has 1.33 Billion.

Minafi categorizes both of these funds as medium funds. Fund size is a good indication of how many other investors trust this fund. A large fund by itself doesn't mean it's a good fund, but it is one thing to consider when figuring out how to choose the right fund.

Winner: tie

Which Should You Choose? BROCX or PYVLX?

Comparing these two funds isn't an apples to apples comparison. BROCX is a International StocksLarge Blend fund, while PYVLX is a US StocksLarge Value fund.

If you're aiming to build a diversified, low-fee, tax-optimized portfolio you likely won't be choosing between these two funds since they're different enough.

Running both of these funds through Minafi's FI Score algorithm, gives BROCX a score of 40 and PYVLX a score of 59.

Winner: Neither, I'd research more funds if you're looking to invest for retirement.

$BROCX

BlackRock Advantage International Fund Investor C Shares

40

Read More
Ratings
Rating TypeRating
Expense Ratio Score2/10
Expense Rating0/10
Market Score6/10
Category Score10/10
Overview
OverviewDetails
Fund TypeMutual Fund
Inception DateJan-31-2006
ExchangeNMFQS
Expense Ratio1.590%
Net Assets896 Million
Yield1.94%
Holdings
DescriptionInfo
MarketInternational Stocks
CategoryLarge Blend
Sectors
  • Basic Materials 7.40%
  • Communication Services 8.20%
  • Consumer Cyclical 8.04%
  • Consumer Defensive 13.01%
  • Energy 3.37%
  • Financial Services 14.78%
  • Healthcare 15.56%
  • Industrials 13.68%
  • Real Estate 2.98%
  • Technology 9.36%
  • Utilities 3.61%
Regions
  • Africa/Middle East 0.34%
  • Asia Developed 4.01%
  • Asia Emerging 0.53%
  • Australasia 6.71%
  • Europe Developed 47.40%
  • Japan 25.52%
  • North America 1.22%
  • United Kingdom 14.27%

$PYVLX

Payden Equity Income Fund

59

Read More
Ratings
Rating TypeRating
Expense Ratio Score7/10
Expense Rating3/10
Market Score7/10
Category Score8/10
Overview
OverviewDetails
Fund TypeMutual Fund
Inception DateNov-1-1996
ExchangeNMFQS
Expense Ratio0.740%
Net Assets1.33 Billion
Yield2.08%
Holdings
DescriptionInfo
MarketUS Stocks
CategoryLarge Value
Sectors
  • Basic Materials 0.92%
  • Communication Services 5.92%
  • Consumer Cyclical 4.38%
  • Consumer Defensive 12.61%
  • Energy 4.60%
  • Financial Services 11.39%
  • Healthcare 18.26%
  • Industrials 8.67%
  • Real Estate 9.10%
  • Technology 15.56%
  • Utilities 8.58%
Regions
  • Europe Developed 2.54%
  • North America 96.44%
  • United Kingdom 1.03%

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