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Well I think there are several that might be better. One of those is a no load fund-Fidelity pennsylvania Muni. Its 3 year return is 5.43% vs 5.13% and it expense ratio is 0.47 vs 0.60. Considering that you save 4.25% right up front, it seems a whole lot better to me. Now a closed end fund that beats FNYTX is NNY. Its 3 year return is 6.5%. Its expense ratio is not so good though 0.70.
I'm assuming you are looking for tax-free income this being a municipal bond fund. It provides tax-free income from federal taxes and pennsylvania state taxes. That being said 4.25% is a typical load for an A share. A shares have a high up front load but a small expense ratio (.60%). A shares are meant for long term investing so you can recoup that up front expense. If you want to avoid the frontend load look at FNYIX. It is a C-share of the same mutual fund but has no upfront load but higher annual expenses (1.16%). C-shares are meant for short term holding. Also you must keep the C-share at least 13 months or you will have a 1% charge for early withdrawal called a CDSC. Not recommending this fund to you because I don’t know your whole financial situation. It is always smart to review the mutual fund's prospectus. Hope this helps! Keefe Personal Financial Representative
Bonds aren't big money makers recently but this fund looks like it might lose you money. The latest yield is 4.22 percent and you are paying more than that paying a 4.25% load. In addition to the load, Franklin charges a 12-b1 fee as well as a total expense ratio of .09%. If you are interested in tax-free investments, check out bond funds online. Morningstar has information that's up to date and you can go to various mutual fund sites and see what their funds are doing. This isn't a bond fund I'd be interested in, untaxed or not. Take a look at Yahoo's run-down on this bond fund. Listed under source. Or look under some other funds bond offerings: sure to notice how much lower your expenses are in a Vanguard fund. No I don't work for them but I've done well investing with them.