At a glance
FINT charges 0.87% a year, above the 0.86% average of the 7 funds most like it (the 6th cheapest of 8). It has $77.1M in assets, the 8th largest of that group; it paid 0.98% of its price in distributions over the past 12 months, semiannual.
The short version
Frontier Asset Total International Equity ETF (FINT) is an actively managed fund of funds. Instead of buying stocks directly, it holds other ETFs that invest mainly in companies outside the US, including emerging markets. As of July 31, 2026, it held eight of them. What sets it apart is that the adviser picks outside managers, including Avantis, iShares, Vanguard, First Eagle and Cambria, and the fund charges 0.87% a year.
Price history
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FINT — over the year to Oct 27, 2026, total return with distributions reinvested.
How it has behaved
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | Since start | |
|---|---|---|---|---|---|---|
| FINT official prospectus, to Dec 31, 2025 | — | +28.10% | — | — | — | — |
| FINT price data to Oct 27, 2026 | +1.9% | — | — | — | — | — |
- The deepest fall in its price history was 5% (Sep 4, 2026 to Oct 23, 2026), not yet recovered.
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Before this security existed |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Before this security existed |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Before this security existed |
Dividends and income
No distribution history is available for this fund.
Distributions through Oct 27, 2026.What's inside
As of Jul 31, 2026, the fund held 8 securities; the ten largest made up 99.73% of assets.
| Fund held | Weight | |
|---|---|---|
| AVANTIS EMERGING MARKETS EQ MUTUAL FUND | 21.22% | |
| ISHARES MSCI INTERNATIONAL Q MUTUAL FUND | 15.68% | |
| ISHARES INTERNATIONAL EQUITY MUTUAL FUND | 15.29% | |
| ISHARES EMERGING MARKETS EQU MUTUAL FUND | 10.56% | |
| VANGUARD INT DIV APP INDX FD MUTUAL FUND | 10.50% | |
| FIRST EAGLE OVERSEAS EQ ETF MUTUAL FUND | 10.16% | |
| CAMBRIA FOREIGN SHAREHOLDER MUTUAL FUND | 9.02% | |
| FRANKLIN INTERNATIONAL LOW V MUTUAL FUND | 7.31% |
By country
United States 99.73%By asset type
Stocks 99.73%What changed recently
- Over the three months to Jul 31, 2026, investors added a net $6.1M (creations minus redemptions, per the N-PORT report).
- Monthly total returns reported for that quarter: -0.17%, -0.06%, +3.04%.
How it works
FINT doesn't track an index. Its adviser, Frontier Asset Management, chooses the mix. The fund usually holds six to twelve other ETFs. It must keep at least 80% of net assets in stocks and at least 40% of total assets in non-US companies, spread across at least three countries. It mostly owns mid-size and large companies, and it can lean toward growth or value stocks at any time.
First, the adviser sets the asset mix using mean variance optimization. This is a math model that looks for the blend of asset classes expected to earn the most for a given level of price swings, based on expected returns, volatility and how assets move together. Next, it screens ETFs on their track record, how steady they were in rough markets, the quality of each outside manager and whether that manager has a clear edge. One example of an edge is correcting for behavioral biases that slow down changes to earnings forecasts. Cost compared with other actively managed ETFs also counts.
As of July 31, 2026, eight funds made up 99.7% of assets. The largest were an Avantis emerging markets equity fund (21.2%), an iShares MSCI international quality fund (15.7%) and an iShares international equity fund (15.3%). Portfolio turnover was 5%, so the lineup changes slowly. The prospectus does not set a fixed rebalancing schedule.
What it really costs
- FINT charges 0.87% a year, versus an average of 0.86% for the similar funds below (6th of 8, cheapest first).
- Of that, 0.6% is the management fee; the rest covers other fund expenses.
- Using the prospectus's standard example, $10,000 invested would cost about $89 in the first year and $1,073 over 10 years (assuming a 5% annual return).
| Cost of $10,000 (SEC example) | 1 yr | 3 yrs | 5 yrs | 10 yrs |
|---|---|---|---|---|
| FINT | $89 | $278 | $482 | $1,073 |
Structure and tax notes
- Invests in other funds rather than directly in stocks or bonds, so its holdings are those funds.
In a retirement portfolio
As of July 31, 2026, the fund held eight other funds that own stocks outside the US, including in emerging markets, so it could add balance to a portfolio built mostly on US stocks.
FINT launched on December 20, 2024, so it has no record through the 2008 financial crisis, the 2020 COVID crash or the 2022 bear market. Its only full calendar year, 2025, returned 29.04%. Its deepest price drop since June 9, 2026, was 5%, from September 4 to October 23, 2026, and it had not recovered as of October 27, 2026. That short record says little about how far it could fall in a severe bear market, which matters for anyone who may need to sell shares or draw income in a bad year.
Income is modest: the yield over the past 12 months was 0.98% as of October 27, 2026, paid twice a year. The expense ratio is 0.87%; in the SEC's standard $10,000 example, costs total $1,073 over 10 years. Past results don't predict the future, and a plan should look at the whole portfolio, not one fund.
Who it may suit — and who should look elsewhere
May suit
- Investors with mostly US holdings who want one fund for international and emerging markets stocks, spread across eight underlying funds as of July 31, 2026.
- People who want a professional to choose and weight other ETFs, such as Avantis, iShares, Vanguard and First Eagle funds, rather than doing it themselves.
- Long-term holders comfortable with a slow-changing lineup (5% turnover) and a mix that may lean toward growth or value over time.
Look elsewhere if
- Cost-focused investors: the 0.87% expense ratio adds up to $1,073 over 10 years on $10,000 in the SEC's standard example.
- Retirees who need income: the yield was 0.98% as of October 27, 2026, and the fund pays only twice a year.
- Anyone who wants a long track record: the fund launched December 20, 2024, and had $77 million in net assets as of July 31, 2026.
Close alternatives
Matched by other buffer (defined-outcome) funds, largest first.
| Fund | Cost | Net assets | 1 yr | 3 yr |
|---|---|---|---|---|
| FINT this fund | 0.87% | $77.1M | — | — |
| BUFR FT Vest Laddered Buffer ETF | 0.95% | $10.49B | +11.6% | +16.8% |
| BUFD FT Vest Laddered Deep Buffer ETF | 0.95% | $2.04B | +9.5% | +13.9% |
| PJAN Innovator U.S. Equity Power Buffer ETF - Ja… | 0.79% | $1.44B | +10.5% | +14.8% |
| PDEC Innovator U.S. Equity Power Buffer ETF - De… | 0.79% | $984.1M | +11.6% | +14.9% |
| FDEC FT Vest US Equity Buffer ETF - December | 0.85% | $1.31B | +12.9% | +18.5% |
| FJAN FT Vest US Equity Buffer ETF - January | 0.85% | $1.47B | +12.3% | +17.4% |
| FFEB FT Vest U.S. Equity Buffer Fund - February | 0.85% | $1.42B | +12.9% | +18.6% |
Questions investors ask
What does FINT invest in?
FINT invests in other ETFs, not individual stocks. As of July 31, 2026, eight funds made up 99.7% of its assets. The largest were an Avantis emerging markets equity fund (21.2%), an iShares MSCI international quality fund (15.7%), an iShares international equity fund (15.3%), an iShares emerging markets fund (10.6%), a Vanguard international dividend appreciation index fund (10.5%) and a First Eagle overseas equity ETF (10.2%). Cambria and Franklin funds made up the rest.
Is FINT good for retirement?
FINT may fit the international stock part of a retirement portfolio, but there is little history to judge it by. It launched December 20, 2024, so it missed the 2008, 2020 and 2022 downturns. According to its prospectus, it returned 29.04% in 2025. Price data starts June 9, 2026, and its deepest drop since then was 5%. Its beta, a measure of how much it moves with the broader market, was 0.89 as of October 27, 2026. That means it moved a little less than the market. It pays little income.
What is FINT's expense ratio?
FINT's expense ratio is 0.87% a year, according to its prospectus filed February 27, 2026. That includes a 0.60% management fee. The SEC's standard example assumes $10,000 invested, a 5% annual return and shares sold at the end of each period. On that basis, total costs would be about $89 after one year, $278 after three years, $482 after five years and $1,073 after ten years.
Does FINT pay dividends?
Yes. FINT pays distributions twice a year. Over the trailing 12 months it paid $0.35 per share, a yield of 0.98% as of October 27, 2026. The yield is low because the fund aims for long-term total return, not income. Retirees who need regular cash flow would get little of it from this fund alone.
Is FINT a buffer ETF like BUFR?
No. FINT has no buffer, cap or options overlay, and it held no derivatives as of July 31, 2026. Buffer funds such as FT Vest Laddered Buffer ETF (BUFR, 0.95% expense ratio) and Innovator U.S. Equity Power Buffer ETF - January (PJAN, 0.79%) use options on US stocks to limit both losses and gains. FINT holds international stock ETFs and takes on their full ups and downs, so those funds aren't close alternatives.