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["INSTRUCTIONS AND RECOMMENDATIONS"]
["There are three steps in using this tool:  "]
["1. Compare your fund to the S&P 500 index."]
["2.  Clear the form of old data.  (All data cells will have a yellow background.)"]
["3.  Manually type new data in the yellow cells. (The form will not allow changes to be made in non-data cells.)"]
[]
["Step 1.  Click on the icon \"Compare Fund Growth to S&P 500\" icon to observe how your fund has performed relative to the S&P 500.  You will be taken to BigCharts.com.  (The analysis will default to a fund \"FSMEX--NO RECOMMENDATIONS IS INTENDED)  Type in the ticker symbol of the fund you want to analyze in the entry box shown below and click on \"DRAW CHART\".  Has the growth of your fund outperformed the S&P 500?  If not, choose another fund.  It is suggested the comparison graph be observed first, to determine if further analysis is warranted.  On BigCharts notice the default ticker symbol is FSMEX.  Change it to the fund you want to analyze and click DRAW CHART.  How does your fund compare to the S&P 500?"]
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["Step #2:  Delete all data of previous analysis --  click on the \"Delete Data--start new analysis\" icon. "]
["Step #3:   Click on \"Open mutual fund data source\" to retrieve data on a new fund.   Enter a new ticker symbol in the \"Enter Symbol\" box, as shown below, and press Enter on your keyboard.  Manually transfer data to the Analysis form. Enter new data only in the yellow cells. (The form will not allow changes to be made in non-data cells.) Type data directly into the form--any computations will be done automatically.  Or, print the form and manually fill in data and perform the computations.  On the data site (ZACKS) the default will be FSMEX (No recmmendation is intended.) "]
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["A RECOMMENDATION:"]
["I strongly suggest using the chart in Step #1 to compare different index funds.  For the beginner investor, or one with little time or interest in investing in individual companies to invest in an index fund.  But stay with the common indices and stay away from the exotic.  Compare the S&P 500 (SPY) to the Dow Jones Industrials (DJAI), NASDAQ 100 (QQQ), Russell 2000 (RUT) and consider one of these.  Warren Buffett agrees with me that the average investor is better off investing in index funds.  Since he agrees with me, he must be right.                                                                  --Bob  "]

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["MANAGED MUTUTAL FUND COMPARISON TOOL",null,null,null,null,null,null,null,null,null,"version 1.04s",null,"http://bigcharts.marketwatch.com/advchart/frames/frames.asp?show=&insttype=&symb=FSMEX&x=38&y=10&time=13&startdate=1%2F4%2F1999&enddate=6%2F9%2F2017&freq=1&compidx=SP500&comptemptext=&comp=none&ma=0&maval=9&uf=0&lf=16777216&lf2=67108864&lf3=0&type=2&style"]
["Step #1",null,"#2",null,null,null,null,"  #3",null,null,null,null,"https://www.zacks.com/funds/mutual-fund/quote/FSMEX"]
[]
["MUTUAL FUND:","Symbol:",null,"fsmex",null,null,"Name:","Fidelity Select Medical Equip"]
["Profile","Use this tool to compare one mutual fund to another--or to an index fund"]
["Portfolio Statistics",null,null,"    Type data  in yellow cells only -- access to other cells is not allowed"]
["Turnover Rate (%)",55]
["    Turnover rates in excess of 20% indicate that a buy and hold investment style is not being implemented."]
["    Higher turnover rates can cause high capital gains and brokerage fees."]
[]
["Risk","3 Yr.","5 Yr.","10 Yr."]
["Sharpe Ratio",1.35,1.57,2]
["  The Sharpe Ratio is a measure for calculating risk-adjusted return--how much risk is there for the expected return. It is the average return earned in excess of the risk-free rate per unit of volatility or total risk.  The higher the number the better."]
["R Squared",0.35,0.4,0.54]
["    R Squared is an indication of the volatility and predictability.  Generally speaking, the higher the number the better.  "]
[]
["Stock Holding % of Net Assets"]
["Average P/E",35.979999999999997]
["    High P/E ratios may indicate that stocks are being bought at high prices or that the current holdings may not produce gains in the near future."]
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["Shareholder Information"]
["Manager","Edward Yoon",null,null,"Years Mgr.",null,"Mgr. Rating"]
["Manager start date","2007-05-01",null,null,{"$f":"IF(ISBLANK(B23),\"\",(TODAY()-B23)/365)","v":10.728767123287671},null,5.6]
["    Has the manager been in charge of the fund during the analysis period--3, 5, or 10 years?  If not, and the management has changed, these data are not an indication of what the new manager can do.  The  Mgr. Rating can be considered the manager's \"value added\" while with the fund.  The higher the number the better."]
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["Fees"]
["% Max Sales Load",0]
["% Max Deferred Load",0]
["    High costs will greatly impact the total return on your investment.  A no load fund is greatly preferred ."]
[]
["Expenses"]
["% Max 12b-1 Fee",0]
["% Max Management Fee",0.55000000000000004]
["Redemption Fee",0]
["Expense Ratio",0.76]
["    High expenses will greatly impact the total return on your investment.  Lower expenses are preferred."]
[]
["Performance"]
["Latest Performance-- (date)","5 Yr.","10 Yr."]
["Total Return %",22.01,13.02]
["Load Adjusted Return % ",20.37,12.78]
["Taxes %  (Subtract bottom from upper)",{"$f":"IF(ISBLANK(B41),\"\",B40-B41)","v":1.6400000000000006},{"$f":"IF(ISBLANK(C41),\"\",C40-C41)","v":0.24000000000000021}]
["The lower the Taxes % number the more tax efficient the fund is."]
["Annual Return"]
["10 Year Analysis Period",2017,{"$f":"IF(ISBLANK($B45),\"\",B45-1)","v":2016},{"$f":"IF(ISBLANK($B45),\"\",C45-1)","v":2015},2014,2013,2012,2011,2010,2009,2008,"Average"]
["% Total Return",25.17,8.68,7.11,26.7,41.29,15.61,-3.41,12.7,32.619999999999997,-23.38,{"$f":"IF(ISBLANK(B46),\"\",AVERAGE(B46:K46))","v":14.309000000000001}]
["% Total Return Relative to Index",10.94,-3.25,5.72,13.05,8.91,-0.37,-5.51,-2.35,6.2,13.62,{"$f":"IF(ISBLANK(B47),\"\",AVERAGE(B47:K47))","v":4.6960000000000006}]
["Based on the Average of the years, has the current manager outperformed the index?"]
["The higher the % Total Return Relative to Index, the better--if positive.  If negative the fund underperformed the index."]
[]
[]
[null,{"$f":"B46-B47","v":14.230000000000002},{"$f":"C46-C47","v":11.93},1.3900000000000006,13.649999999999999,32.379999999999995,15.979999999999999,2.0999999999999996,15.049999999999999,26.419999999999998,-37]
[]
["S&P 500 return - MoneyChimp",21.93,11.93,1.31,13.81,32.43,15.88,2.0699999999999998,14.87,27.11,-37.22]
["Finance.Yahoo.com     Jan",2269,1924,2028,1819,1462,1281,1270,1147,870,1416]
["Dec",2239,2239,2013,2021,1827,1426,1258,1272,1133,927]
[null,{"$f":"B56/B55-1","v":-1.3221683561040143E-2},0.1637214137214138,-7.3964497041419941E-3,0.11105002748763049,0.24965800273597805,0.1131928181108508,-9.4488188976378229E-3,0.10897994768962516,0.30229885057471262,{"$f":"K56/K55-1","v":-0.34533898305084743}]