Archive for the ‘Mutual Funds’ Category
Financial Literacy- Does It Still Work?
Posted March 30, 2009 by Bernz
Financial literacy means being savvy with your cash flows and understanding your financial transactions in order to make better decisions that will protect and increase your wealth. Many feel that financial literacy is no longer useful or relevant in the face of our current economic meltdown. They feel that, no matter what consumers know or do, they will be hurt in this recession.
However, financial literacy is more important than ever. Understanding your financial position and how to navigate through tough economic times will give you a leg up in ensuring your financial security.
The people who will survive and thrive in today’s economy are those who have a handle on their personal finances. They know what they own and what they owe and they know where the cash is coming from and going. Every dollar that comes in has a name- meaning they know exactly where it is going.
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Tags: budgeting, financial education, financial situation, Frugality, personal emergency funds, personal finance, Saving Money
Posted in 401k, Debt, Estate Planning, Financial Education, Financial Goals, IRA, Index Funds, Investing Basics, Investing Strategies, Investing in Real Estate, Life Insurance, Loans, Mutual Funds, Retirement Planning, Roth IRA, Saving Money, Saving for College, Simple IRA, Stock Market Investing, Tax Reduction, Traditional IRA, Wealth Building | No Comments »
Index Funds: What They Are And How They Perform
Posted February 15, 2009 by Bernz
Index funds are a type of mutual fund that combines a number of different stocks into a single stock market investment vehicle. Instead of buying the individual stocks, you can buy shares of the fund. That way you own a portion of many stocks instead of owning many shares of just one stock.
This type of ownership appeals to many investors who prefer to spread their risk over a number of stocks, but may not have the investment money that it takes to buy a lot of stocks across a wide section of the market.
Of course, some people are critical of mutual funds since they typically yield less than individual stock portfolios. This is largely due to the fees charged by most mutual funds.
Mutual Fund profits are decreased by the management fees. Since the stocks in the funds are personally selected by the managers, the managers are well paid for their research and expertise. But you can minimize those management fees by investing in index funds.
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Tags: index funds, investment, learn index funds, market trend, mutual funds, Stock Market, Stock Market Investing, stock trend
Posted in Financial Education, Investing Strategies, Mutual Funds, Stock Market Investing | No Comments »
Mutual Fund Education
Posted October 29, 2008 by Bernz
By Tom
Mutual Funds are ran by mutual fund managers that group money together and invest in stocks or bonds as a group. Mutual funds are the best way to quickly and easily diversify your portfolio. Fund managers carefully choose stocks or bonds to maintain a 4-5 percent return on the entire portfolio of stocks that is in the fund. A single stock may return that or may not. Investing in several stocks evens out the return and reduces the ups and downs that an individual stock may take. Also bond interest rates fluctuate and having many bonds together being bought and sold and maturing at different dates makes investing in the volatile bond market much easier because someone else is making sure that your money is getting reinvested and that the best bonds are being chosen. Investing mutual funds makes that whole confusing process a lot easier. Fund managers have the time and are paid to do the research necessary to find stocks and bonds that are appropriate to their fund.
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Tags: mutual fund, mutual fund manager, mutual funds
Posted in Mutual Funds | 2 Comments »
Need to start retirement planning? Consider investing in mutual funds
Posted October 13, 2008 by Bernz
Need to start retirement planning? Consider investing in mutual funds
If you’re new to investing and looking for a simple way to start funding your retirement, mutual funds could be the right choice for you. But before you make any rash moves, get the run down on what mutual funds are along with the pros and cons.
First off, understand that mutual funds are huge collections of stocks and bonds that a group of people pool their money together to purchase. A financial management company invests the money on behalf of the group and each group member collects earnings through dividend or interest payments or capital gains.
There are several advantages of mutual funds. The most common are:
1) Investing in mutual funds is an easy way to get start investing. For example, you can start investing with as little as $25 to $100. And because the money is managed for you, you don’t have to learn a lot about investing before you get started. In other words you can learn as you go, save and potentially make money in the process. Here are some low cost mutual funds with monthly minimums to consider:
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Tags: low cost mutual funds, mutual funds, Retirement Planning
Posted in Mutual Funds | No Comments »
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