GSIFX vs UTELX Fund Comparison

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

GroupCreated with Sketch.

Minafi's Take on GSIFX vs UTELX

Here's an in depth look at the differences between Goldman Sachs International Equity ESG Fund Class A($GSIFX) and USAA Tax Exempt Long-Term Fund Adviser Shares($UTELX).

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.

  • gsifx
  • Mutual Fund
  • International Stocks
  • Large Blend

Goldman Sachs International Equity ESG Fund Class A

Expenses: 1.26% (Better than 0% of similar funds)

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

  • utelx
  • Mutual Fund
  • Bond
  • Municipal Bond

USAA Tax Exempt Long-Term Fund Adviser Shares

Expenses: 0.70% (Better than 1% of similar funds)

This is an OK choice for a Municipal Bond Bond fund. See why »

Both $GSIFX and $UTELX 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.

GSIFXUTELX
Market Score 2.9 /10 7.8 /10
Category Score 10.0 /10 8.0 /10
Total12.915.8

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: $UTELX

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, GSIFX has an expense ratio of 1.26% while UTELX has an expense ratio of 0.70%.

Winner: $UTELX

Fund Size Comparison

One place these two funds differ is in their total assets under management. This 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.

In the case of these two funds, GSIFX is a small fund with 124 Million in assets under management. UTELX, on the other hand, is a large fund with 2.35 Billion in assets under management.

Winner: $UTELX, USAA Tax Exempt Long-Term Fund Adviser Shares

Which Should You Choose? GSIFX or UTELX?

Comparing these two funds isn't an apples to apples comparison. GSIFX is a International StocksLarge Blend fund, while UTELX is a BondMunicipal Bond 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 GSIFX a score of 29 and UTELX a score of 61.

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

$GSIFX

Goldman Sachs International Equity ESG Fund Class A

29

Read More
Ratings
Rating TypeRating
Expense Ratio Score2/10
Expense Rating0/10
Market Score3/10
Category Score10/10
Overview
OverviewDetails
Fund TypeMutual Fund
Inception DateDec-1-1992
ExchangeNMFQS
Expense Ratio1.260%
Net Assets124 Million
Yield1.86%
Holdings
DescriptionInfo
MarketInternational Stocks
CategoryLarge Blend
Sectors
  • Basic Materials 2.20%
  • Communication Services 10.26%
  • Consumer Cyclical 7.45%
  • Consumer Defensive 12.58%
  • Energy 2.05%
  • Financial Services 13.71%
  • Healthcare 19.17%
  • Industrials 19.44%
  • Real Estate 2.48%
  • Technology 10.66%
  • Utilities 0.00%
Regions
  • Asia Developed 5.07%
  • Europe Developed 49.45%
  • Japan 19.07%
  • North America 5.60%
  • United Kingdom 20.81%

$UTELX

USAA Tax Exempt Long-Term Fund Adviser Shares

61

Read More
Ratings
Rating TypeRating
Expense Ratio Score6/10
Expense Rating3/10
Market Score8/10
Category Score8/10
Overview
OverviewDetails
Fund TypeMutual Fund
Inception DateMar-19-1982
ExchangeNMFQS
Expense Ratio0.700%
Net Assets2.35 Billion
Yield3.17%
Holdings
DescriptionInfo
MarketBond
CategoryMunicipal Bond
Sectors
  • Advance Refunded 10.01%
  • Cash & Equivalents 1.01%
  • Education 14.94%
  • Health 24.88%
  • Housing 0.47%
  • Industrial 4.77%
  • Miscellaneous Revenue 5.11%
  • Municipal 98.89%
  • Other 0.00%
  • State and Local General Obligation 16.15%
  • Tobacco 0.55%
  • Transportation 9.10%
  • Utilities 9.20%
  • Water & Sewer 3.70%

Adam says: Learn how to confidently invest for retirement!

Join the Minafi Investor Bootcamp to see how.

This 10-course bootcamp starts at only $10 for everything!

Minafi use cookies & emails to ensure the best experience possible. Check out our privacy policy for more.

Minafi - The intersection of FI, minimalism & mindfulness.

Don't miss out on new posts, courses, interactive articles and more!

Join & Get Your First Course Free

© 2025   Adam Fortuna

Site Map
Triangle Graduation Cap Angle Down Book regular Phone laptop regular fire regular fire regular search regular Acorn duotone Seedling duotone thumbs down duo