What this ETF is trying to do

The FRONTIER ASSET TOTAL INTERNATIONAL EQUITY ETF (FINT) is an exchange-traded fund designed to provide exposure to international markets. Based on its top holdings, the fund invests in a variety of other ETFs that focus on different areas like emerging markets, international quality factors, and dividend appreciation.

What the numbers show

The current price of FINT is $36.42. When looking at how the fund has performed, it is important to look at two different types of returns: price return and total return.

• Price Return: This measures only the change in the share price. The year-to-date (YTD) price return is approximately 15.36%, and the one-year price return is approximately 17.11%.

• Total Return: This includes both the share price changes and the money paid out through distributions. The YTD total return is approximately 16.49%, and the one-year total return is approximately 19.61%.

An estimated price from roughly one year ago was $31.10. Because the total return is higher than the price return, it shows that distributions added to the overall value.

Income and distribution explanation

FINT provides cash distributions to investors. The distribution yield is approximately 1.96%. Over the last 12 months, there were 3 distributions. The frequency of these payments is described as "irregular" or "less frequent."

It is important to remember that a distribution yield tells you how much cash was paid out relative to the price, but it is not the same as your total return.

NAV erosion explanation

"NAV erosion" refers to a decline in the Net Asset Value (the actual value of the assets held by the fund). The supplied data is sufficient to evaluate price erosion, but it does not include enough historical NAV-per-share data to confirm or rule out NAV erosion.

However, regarding price erosion (the decline in the market price of the shares), the fund has an erosion score of 100. This is labeled as "No price erosion detected," and the erosion severity is rated as "good." There is no severe erosion-risk flag for this ETF.

Pros

• Positive Returns: Both the price return and total return have been positive for both the year-to-date period and the past year.

• Low Erosion Risk: The data shows no detected price erosion.

Cons

• Irregular Income: Distributions do not happen on a regular, predictable schedule.

• Limited Holdings: The fund is composed of only 8 total holdings.

Beginner takeaway

FINT is an international ETF that has shown positive price and total returns over the past year. While it pays distributions, they are not frequent. Investors should note that while the share price has grown, total return is the most complete way to see how much value the fund has actually created when including those cash payments.