Finding good mutual funds begins with finding good mutual fund companies [families], and some families are more friendly to ordinary investors than others. They provide good investments for people who are not sure where to invest. People are confused about all sales remarks, so we are here to simplify the investment location of investor-friendly companies.
I started paying attention to [and selling] these things as stockbrokers in 1972, trying to find a place to invest in other people's money... trying to choose a good investment for those who trust me. Once I learned that funding is the answer that 90% of people need, the question becomes: How do I find a good mutual fund? I wrote this article as a retired financial planner in 2014 and would like to share what I have learned over the years, so please hold your breath.
Your perception of a good investment or good mutual fund may differ from what a sales representative might have, especially if the person makes money from commissions and other expenses. Relax. A financial planner working for a contract can tell you where to invest and can sell you a good mutual fund. The problem is that he or she can't tell you where to invest in an investor-friendly company... and make a living.
If you invest through a planner, a $20,000 investment in equity funds may cost you $1,000 in advance payments, $400 per year, and $300 per year. Or, if you invest directly with a major investor-friendly NO-LOAD company, you might spend $200 or less per year.
A truly excellent mutual fund company can reduce the cost of investors. They are financially strong; they offer a wide range of investment options and a good track record. Provide free quality service. Enter "empty funds" in the search engine to find them. Names like Vanguard, Fidelity and T Rowe Price will appear. They all provide good investments for ordinary investors at low cost. All three of the above are in line with our qualifications - the first two are the largest companies in the business.
Good mutual funds are not expensive, and you can't get the fees you pay when you pay high fees and fees. In fact, these extra charges will deduct funds from your account and will not help you. The end result is a low return on investment. I don't call this investor friendly. If the investment cost is high, it is not the place to invest.
Now, once you open an account with one of the friendly companies, you can face a list of more than 100 choices. Now, the issue of investment locations has become more specific. How do you find a good mutual fund investment? The general categories are stocks [stocks], bonds, money markets and balance funds [the latter is a combination of the other three]. What you need to understand is that even good mutual funds in the stock category may lose money in 2014 and/or 2015. If the stock market falls, these funds are usually not good investments. In addition, if interest rates rise, bond funds will not be good investments. Most importantly, the market decides whether investors are making money or losing money. On the other hand, good mutual funds tend to outperform other funds in the long run.
With today's record low interest rate money market funds it seems that they are not very good investments because they have almost no interest. But that is where to invest and you want to stay safe. If interest rates rise, money market interest rates will follow. If stocks and/or bonds are hit hard, the equilibrium fund will become a loser. Don't be depressed. Big eyes invest in 2014 and 2015.
In 2014, equity funds have received very good investments for five consecutive years; bond funds are good mutual funds that have been invested for more than 30 years. Things may get tough in 2014 and beyond. Focus on strategy rather than choosing good investments in each fund category. When the dust settles, there is some cash in the money market fund waiting for the future. Distribute funds into all four fund categories because no one really knows where to invest when not sure.
With the launch of 2014 and 2015, keep in mind that stocks and bonds have both ups and downs. In the long run, money has been a good investment for tens of millions of people who are experiencing good times and bad things. Remember, good mutual funds come from good mutual fund companies... that's where you invest your money.
Orignal From: Where to invest in good mutual funds in 2014, 2015 and beyond
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