Fund Evaluator:

PFG Fdlt Ins AM&Eq Idx Str I Overview

PFG Fdlt Ins AM&Eq Idx Str I (PFFFX) is an actively managed International Equity Global Large-Stock Blend fund. The Pacific Financial Group launched the fund in 2020.

The investment seeks total return. The fund, under normal circumstances, will invest at least 80% of its net assets, plus any amounts of borrowing, in Fidelity® mutual funds and Fidelity exchange traded funds ("Fidelity underlying funds"). The Adviser utilizes RiskPro to manage the fund’s volatility as a whole, and to assess the impact of the fund’s investment in Fidelity underlying funds and Other underlying funds.

About PFG Fdlt Ins AM&Eq Idx Str I (PFFFX)

There are 1 members of the management team with an average tenure of 1.37 years: Greg Silberman (2025). Management tenure is more important for actively managed funds than passive index funds.

The fund has 1 primary benchmark: Morningstar Agg Tgt Risk TR USD index with a weighting of 100%. PFG Fdlt Ins AM&Eq Idx Str I has 6 securities in its portfolio. The top 10 holdings constitute 100.2% of the fund’s assets. The fund meets the SEC requirement of being classified as a diversified fund. The fund is not considered to have an ESG focus with its investment selection and management.

PFG Fdlt Ins AM&Eq Idx Str I is part of the Equity global asset class and is within the International Equity fund group. PFG Fdlt Ins AM&Eq Idx Str I has 30.2% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 69.4%. There is 30.2% allocated to foreign stock, and 0.0% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 0.0% (0.0% domestic bond, 0.0% foreign bond and 0.0% convertible bond). PFG Fdlt Ins AM&Eq Idx Str I has 0.4% of the portfolio in cash.

Assets Under Management

The fund has $706 million in total assets, which is below the $1 billion average for the Global Large-Stock Blend category. Normally, lower assets under management translates to higher average expense ratios, and greater total assets are desired. However, for some investment categories, such as small-cap investing, it may be difficult for the manager to fully employ the desired active strategy if assets grow too large or too quickly.

PFFFX Performance and Fees

The expense ratio measures how much of a fund’s assets are used for administrative expenses and operating expenses, including adviser fees and fees for the transfer agent and custodial services. The PFG Fdlt Ins AM&Eq Idx Str I expense ratio is high compared to funds in the Global Large-Stock Blend category. PFG Fdlt Ins AM&Eq Idx Str I has an expense ratio of 1.98%, which is 89% higher than its category average, making the fund expense ratio grade a F. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. Active management normally comes with higher expense ratios than passive index management. Certain investment categories such as small company and foreign also normally have higher expense ratios. It is best to compare fund expense ratios against the category averages for meaningful assessments.

High portfolio turnover can translate to higher expenses and lower aftertax returns. PFG Fdlt Ins AM&Eq Idx Str I has a portfolio turnover rate of 14%, indicating that holds its assets around 0.1 years. By way of comparison, the average portfolio turnover is 43% for the Global Large-Stock Blend category.

Recently, in the month of July 2026, PFG Fdlt Ins AM&Eq Idx Str I returned -0.7%, which earned it a grade of D, as the Global Large-Stock Blend category had an average return of 0.8%. The letter grades of A, B, C, D and F are based upon relative rankings within the investment category. A grade of A, for example, would indicate that the return is in the highest 20% for that time period compared to all funds in that category.

PFG Fdlt Ins AM&Eq Idx Str I has a trailing yield of 0.00%, which is below the 0.95% category average. The fund normally distributes its income annually.

It’s natural to seek the best-performing investments, but you must consider the relationship between risk and return and the impact of costs and taxes on your realized returns.

PFG Fdlt Ins AM&Eq Idx Str I Grades

Year to date, the fund has returned 10.6%, 0.9 percentage points better than the category, which translates into a grade of C. The fund has returned 20.8% over the past year (grade of C), 16.0% over the past three years (grade of C) and 9.1% per year over the past five years (grade of C).

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