This page was researched and built on my own time.  Neither DBA Systems nor Titan is responsible for the information herein.  To the best of my knowledge and ability it is accurate and available from public sources.  Any mistakes are purely my own, so, beware, I may have been drunk, hallucinatory, hubristic, or lying through my teeth (no, wait, that was last night!).  Opinions are given in a slightly smaller font -- think of them as whispers. "I ain't a lawyer, I ain't an accountant, and I ain't gonna pretend to be one.  You gets what you pays for." invisible text -- Rich Franzen

Plan Comparison

Old (current) Plan Salomon Smith Barney	New Plan T. Rowe Price
15% max employee contrib.  New!  6% max company match     100% on  1st 2%      75% on next 4%      50% on next 2% employee contribution unconstrained employee contrib. is fully vested company match unconstrained 5 years to full vesting  New  (4 years if hired before 1 July 99) borrow up to 50% of vested funds up to 2 loans at a time no Employee Stock Ownership Plan profit sharing plan to 401k funds "individual advice" from Smith Barney 24\7 800-number for account info web access to account  New! separate "record keeper" (Leggette)	15% max employee contribution  5% max company match     100% on  1st 5% employee contribution unconstrained employee contrib. is fully vested 50% of company match to TTN stock 5 years to full vesting borrow up to 50% of vested funds only 1 loan at a time Employee Stock Ownership Plan profit sharing to ESOP only investment education from TRP 24\7 800-number for account info web access to account no separate record keeper
graph which compares the matching policies upcoming changes to DBA's plan

Fund Comparisons

The following tables compare performance between DBA's current funds and the "equivalent" funds from the new set.  Current information may be obtained by clicking the fund names or charts.  Information in the tables is from the Yahoo Finance site.  The six equivalent funds will be available first, during what is called the "freeze period".  During this time, your investment will be switched from Smith Barney to T.Rowe Price.  You will not be able to move money from one fund to another during the freeze.  You do have control, however, of how the money is mapped.  If 17% of your money is in the Smith Barney money fund, that 17% will map directly to the TRP money fund, etc. In each table, the Smith Barney TRAK funds are on the left, and the equivalent T.Rowe Price (or other) funds are on the right.  The expense ratio's for the DBA column are somewhat complex.  TRAK has a quoted expense for each fund, but what they don't quote is their 1.5% annual "advisement fee", which they claim is external to the fund, and need not be included in their fee statement.  So an individual investor would earn 1.5% less than the stated "total return".  DBA's contract with Smith Barney negotiates a special, across the board total fee of 1.76% on all funds, so I also list this as well as the true actual return received by DBA employees.  DBA investors in the Government Money fund are probably paying one of the highest fees on any money fund in the country (1.76% is way out of bounds for a reasonable fee on a money fund).

Information below was gathered 2 April 2000. Get current fund info by clicking 1st part of fund name. Get "official" fund info by clicking middle part of name. (Smith Barney requires that you register (free) to view their fund info.) Get current Morningstar info by clicking X. ("X" links to Stockmaster for the money funds.) Get comparitive charts by clicking Funds. Chart info is updated daily by Yahoo!.

Money Funds
TG MX X  (SB info is large text file)	TS CX X
$1.00	$1.00
1 year ave return:    4.99% (3.83%) 5 year ave return:    3.27% (2.11%) Total expense ratio:  0.60% (1.76%)	1 year ave return:     4.94% 5 year ave return:     5.30% Total expense ratio:   0.45%

Bond Funds
TI IU X	PT RA X  (PIMCO info is large pdf)
1 year ave return:     1.88% (0.85%) 3 year ave return:     5.46% (4.43%) Total expense ratio:   0.73% (1.76%) Morningstar rating:    *** Last income (29 Mar): $0.037	1 year ave return:     2.03% 3 year ave return:     7.16% Total expense ratio:   0.68% Morningstar rating:    **** Last income (29 Feb): $0.0486

Large Value Funds
TL VU X	PR FD X
1 year ave return:     5.05% ( 4.04%) 3 year ave return:    15.46% (14.45%) Total expense ratio:   0.75% ( 1.76%) Morningstar rating:    *** Last income (2 Dec):  $2.08	1 year ave return:    11.28% 3 year ave return:    16.06% Total expense ratio:   0.77% Morningstar rating:    *** Last income: (29 Mar) $0.120

Large Growth Funds
TL GU X	PR EI X
1 year ave return:    33.79% (32.79%) 3 year ave return:    36.74% (35.74%) Total expense ratio:   0.76% ( 1.76%) Morningstar rating:    **** Last income (8 Dec):  $2.88	1 year ave return:    17.58% 3 year ave return:    27.06% Total expense ratio:   0.40% Morningstar rating:    **** Last income (29 Mar): $0.11

Small Capital Growth Funds
TS GU X	PE XM X
1 year ave return:    68.67% (67.92%) 3 year ave return:    28.69% (27.94%) Total expense ratio:   1.01% ( 1.76%) Morningstar rating:    *** Last income (2 Dec):  $2.117	1 year ave return:    47.51% 3 year ave return:    **.**% Total expense ratio:   0.40% Morningstar rating:    unr Last income (15 Dec): $0.63

International Stock Funds
TI EU X	PR IT X
1 year ave return:    41.19% (40.33%) 3 year ave return:    21.78% (20.92%) Total expense ratio:   0.90% ( 1.76%) Morningstar rating:    *** Last income (2 Dec):  $1.26	1 year ave return:    33.54% 3 year ave return:    17.28% Total expense ratio:   0.85% Morningstar rating:    *** Last income (15 Dec): $1.04

Other Funds

The following tables display information concerning the remaining funds which will be available after the switch to T. Rowe Price.  The final fund menu is quite large (19 choices versus the 6 available under our old plan).  One way to cope with this many choices is to adopt an investment style. Style 1:  don't bother me, just try to make me money! Choose one of the "lifestyle" funds.  These are balanced funds, with a bit of conservatism built in.  Depending on which fund you choose, there is a different ratio of fixed-income versus equity (stocks).  Three of these funds make up TRP's "Personal Strategy" suite.  The fourth, Spectrum Growth Fund, is conservative in that it is a fund made up of other mutual funds. Style 2:  index it! Choose one or both of the index funds.  The Equity Index Fund tries to track the performance of the S&P 500, which are the largest public companies in the USA.  The Extended Equity Market Index Fund tries to track the performance of the Wilshire 4500.  These are small to mid-cap US companies which are not included in the S&P 500.  By choosing both, your investment follows a "total market" approach for US funds. Style 3:  I'll do it myself, thank you! Choose what seems good to you.  You do your own research, have your own ideas, and now have 19 funds to implement your own strategy.

Stable Value Trust Fund

$1.00

from T. Rowe Price overview, 30 Sep 99 1 year ave return:    5.88% 3 year ave return:    6.00% Total expense ratio:  0.48%

PIMCO High Yield Fund PH YA X (PIMCO info is large pdf)

1 year ave return:    5.93% 3 year ave return:    8.94% Total expense ratio:  0.75% Morningstar rating:    ***** Last income (29 Feb): $0.0739

Personal Strategy Income Fund PR SI X

1 year ave return:     6.55% 3 year ave return:    11.28% Total expense ratio:   0.90% Morningstar rating:    *** Last income (29 Mar): $0.13

Personal Strategy Balanced Fund TR PB X

1 year ave return:     9.01% 3 year ave return:    13.86% Total expense ratio:   1.00% Morningstar rating:    *** Last income (29 Mar): $0.12

Personal Strategy Growth Fund TR SG X

1 year ave return:    12.10% 3 year ave return:    16.46% Total expense ratio:   1.10% Morningstar rating:    *** Last income (15 Dec): $0.84

Spectrum Growth Fund PR SG X

1 year ave return:    27.34% 3 year ave return:    19.89% Total expense ratio:   0.71% to 0.89% Morningstar rating:    *** Last income (15 Dec): $2.08

Mid-Cap Growth Fund RP MG X

1 year ave return:    37.20% 3 year ave return:    28.11% Total expense ratio:   0.91% Morningstar rating:    **** Last income (15 Dec): $1.88

Small-Cap Value Fund PR SV X

1 year ave return:    17.03% 3 year ave return:     5.76% Total expense ratio:   0.87% Morningstar rating:    *** Last income (15 Dec): $1.52

Janus Worldwide Fund JA WW X (More detailed info starting at Janus homepage.)

1 year ave return:    79.01% 3 year ave return:    60.09% Total expense ratio:   0.91% Morningstar rating:    ***** Last income (29 Dec): $3.31

Janus Mercury Fund JA MR X (More detailed info starting at Janus homepage.)

1 year ave return:    72.16% 3 year ave return:    38.16% Total expense ratio:   0.88% Morningstar rating:    ***** Last income (10 Dec): $1.31

Science and Technology Fund PR SC X

1 year ave return:     99.13% 3 year ave return:     55.69% Total expense ratio:    0.94% Morningstar rating:     ***** Last income (20 Dec): $10.81

UAM Heitman Real Estate Fund PR RE X

1 year ave return:     5.50% 3 year ave return:     0.03% Total expense ratio:   1.22% Morningstar rating:    * Last income (30 Mar): $0.10

Titan Stock Fund

TTN

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Accesses since 2 March 1999
Page last updated on 2 April 2000