Mutual-Funds Articles
Mutual Funds Protect Yourself With Segregated Funds
(category: Mutual-Funds, Word count: 429)
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Segregated funds were initially developed by the insurance industry to compete against mutual funds. Today, many mutual fund companies are in partnership with insurance companies to offer segregated funds to investors. Segregated funds offer some unique benefits not available to mutual fund investors.
Segregated funds offer the following major benefits that are not offered by the traditional mutual fund.
1. Segregated funds offer a guarantee of principal upon maturity of the fund or upon the death of the investor. Thus, there is a 100 percent guarantee on the investment at maturity or death (this may differ for some funds), minus any withdrawals and management fees - even if the market value of the investment has declined. Most segregated funds have a maturity of 10 years after you initial investment.
2. Segregated funds offer creditor protection. If you go bankrupt, creditors cannot access your segregated fund.
3. Segregated funds avoid estate probate fees upon the death of the investor.
4. Segregated funds have a "freeze option" allowing investors to lock in investment gains and thereby increase their investment guarantee. This can be powerful strategy during volatile capital markets.
Segregated funds also offer the following less important benefits:
1. Segregated funds issue a T3 tax slip each year-end, which reports all gains or losses from purchases and redemptions that were made by the investor. This makes calculating your taxes very easy.
2. Segregated funds can serve as an "in trust account," which is useful if you wish to give money to minor children, but with some strings attached.
3. Segregated funds allocate their annual distributions on the basis of how long an investor has invested in the fund during the year, not on the basis of the number of units outstanding. With mutual funds, an investor can invest in November and immediately incur a large tax bill when a capital gain distribution is declared at year-end.
There has been a lot of marketing and publicity surrounding segregated funds and how much value should be placed on their guarantee of principle protection. In the entire mutual fund universe, there have been only three very aggressive and specialized funds that lost money during any 10-year period since 1980. Thus, the odds of losing money after ten years are extremely low. If you decide you need a guarantee, it can cost as much as 1/2 percent per year in additional fees.
However, with further market volatility these guarantees could be very worthwhile. In addition, most major mutual fund companies also offer segregated funds.
Mutual Fund As Your Alternative Investment Portfolio
(category: Mutual-Funds, Word count: 608)
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People always say that investment is a money game with the playing rule of "high risk with high return and low risk with low risk". You may want to invest in an investment portfolio that is able to give a good return and stock market is always the best choice in term of high return. But you aware that investment in the stock market will cause you to lose all your money as well, because the game rule said "high risk is high return and low risk comes with low return". Hence, stock game might not suit your risk profile; you may want to look for an alternative that can give comparatively good reward but with much lower risk than stock. If you are categorized in this group, then mutual fund can be your game.
Mutual Fund Is A Risk Sharing Game
A mutual fund is simply a financial medium that allow a group of investors to pool their money together with a predetermined investment objective. The pooled money will manage by a fund manager. The fund manager is a person who is widely expert in stock and bond markets. He/she is responsible to invest the pooled money into specific securities, usually stocks and bonds. When you are buying shares of mutual fund, you will become one of the fund's shareholders. All the gains and losses will be shared among the fund's shareholders. Hence, mutual fund is a risk sharing game.
Compare to stocks and bonds, mutual funds are one of the cost effective and an easy playing game. You do not need to really expert in stock and bond market because the fund manager will take care of it; and you do not need to crack your head to figure out which stocks or bonds to buy, because you have the expert, the fund manager to make the decision for you.
You do not need a lot of money to get your start the game; you decide the amount of money you plan to invest into the mutual fund. Some mutual funds may even let you start with just $100. The best part is the cost effectiveness. By pooling money together in a mutual fund, investors can purchase stocks or bonds with much lower trading cost. The biggest advantage of mutual funds as compare to stocks or bonds is "diversification".
Diversification Will Lower The Risk
Investment experts always advise that if you want to invest you money, "Don't put all your eggs into the same basket; else if the basket fall, all you eggs will break", some will happen on your money, if you invest in one stock, if the stock perform negative, you loss all you money. Diversify your investment to spread out your money into many different types of investments. When one investment is down, another might perform in up trend.
Hence, with the diversification of your investment, you will reduce your risk tremendously.
You can diversify your investment by purchasing different kinds of stocks and bonds instead of one. But it may take weeks to buy all these investments. In contrary, you can get these done by purchasing a few mutual funds and mutual funds automatically diversify your investment across many stocks and bonds.
Mutual fund is a risk sharing investment portfolio, it's provides you a medium of investing your money into a high earning stock & bond market while automatically diversify your investment to reduce your risk. Hence mutual fund can be your alternative of investment portfolio that will give you higher reward and lower risk.
Retirement Planning Plan Your Retirement For Income Through Mutual Fund Investment
(category: Mutual-Funds, Word count: 946)
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Most of the people I have met have not planned for their retirement as they say 'future is unpredictable and we need to live in present' but my dear friend's future is the outcome of present, our present will decide our future. When we think of retirement we generally think of old age, a period when you have to give up the job and sit at home doing nothing. Contrary to the fact, most of the retiree lives a very active life. We need to seriously consider out planning towards retirement because once we retiree our income stops coming but our expenses remain as it is and in some cases it rises with the rising inflation.
In this regard mutual fund has turned out to be the right answer for making retirement planning easier and safer. Mutual fund being managed by professionals is a key to effective retirement planning.
Some people like it. Some people don't but the fact is that retirement is a reality for every working person. Most young people today think cannot think of retirement as reality as they believe in 'living at present'. However, it is important to plan for your post-retirement life if you wish to retain your financial independence and maintain a comfortable standard of living even when you are no longer earning. This is extremely important, because, unlike developed nations, India does not have a social security net. In India people still depend upon bank savings and fixed deposits for retirement purpose, which is unfortunately inadequate.
Retirement Planning acquires added importance because of the fact that though longevity has increased the number of working years haven't, so you end up spending the last phase of your life without earning.
In simple words, retirement planning means making sure you will have enough money to live on after retiring from work. Retirement should be the best period of your life, when you can literally sit back and relax or enjoy your life by reaping benefits of what you earn in so many years of hard work. But it is easier said than done. To achieve a hassle-free retired life, you need to make prudent investment decisions during your working life, thus putting your hard-earned money to work for you in future.
With the special features of mutual funds like Systematic Investment Plan, Systematic withdrawal plan, systematic transfer plan in addition to other unique features of different funds, the investor can easily plan for its post retirement requirements and ways to achieve it.
Unlike many other countries of west, in India we do not have state-sponsored social security for the retired people. While you may be entitled to a pension or income during retirement, but will it be sufficient post retirement.
Although the compulsory savings in provident fund through both employee and employer contributions should offer some cushion, it may not be enough to support you throughout your retirement. That is why retirement planning is extremely important for every one. More over with mutual funds the investors can actually plan for themselves and also achieve their planned objectives. As compared to direct equities this option of mutual fund is much safer for planning your retirement corpus.
There are many reasons for the working individuals to secure their future emergence of separate families and its attendant insecurity, increasing uncertainties in personal and professional life, the growing trends of seeking early retirement and rising health risks are among few important risks. Besides falling interest rates, also the sustained increase in the cost of living make it a compelling case for individuals to plan their finances to fund their retired life.
Planning for retirement is as important as planning your career and marriage. We need to take conscious and careful decisions to prepare for our retirement. Life takes its own course and from the poorest to the wealthiest, every one gets older with time. We get older every day, without realizing. With our coming old age we tend to become more understanding to the facts of life and realize the importance and impact of retirement. The future depends to a great extent on the choices you make today. Right decisions with the help of proper planning, taken at the right time will assure smile and success at the time of retirement.
In my words, retirement planning means making sure you will have enough money to live on after leaving your work. Retirement should be that period of your life, when you can sit back and relax. Retirement should bring more of enjoyment in your life by reaping benefits of what you earn in so many years of hard work. But it is easier said than done. Most of the people live their worst life during retirement. To achieve a hassle-free retired life, you need to make right investment decisions during your working life, thus putting your hard-earned money to work for you in future. If you are not very aware of the investment that you need to undertake then you can easily take help of online advisers to help you with your retirement plan through mutual funds. The earlier you start the better it is for you.
Now retirement planning can be done with a single click and with the advice of a registered mutual fund advisor by Association of mutual funds in India (AMFI). Fill this retirement questionnaire to know your current financial situation and your investor profile which will help you plan for a worry-free retirement.
This is a no obligation free mutual fund advisory; investors can make informed mutual fund investment decisions with the expertise of our advisors.
Sip Systematic Investment Plan
(category: Mutual-Funds, Word count: 727)
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There are very few points that everybody in this world agrees upon. And the stock market unpredictability is undoubtedly one of them. Even people with several years of experience are not always able to track the stock market dynamics, thus falling prey to faulty decisions. Watertight stock market investing strategy is something that people consider to be elusive. It is something that can be chased, but probably can never be achieved.
But is it a correct notion? Are things like fate, luck, chance, etc., are the only deciding factors in the stock market investments? Or is there any way to approach the stock market in a speculative manner?
The answer to the above question probably lies in the Systematic Investment Plan or SIP (a.k.a. "Periodic Payment Plan" or "Contractual Plan").
Systematic Investment Plan (SIP) Unlike the one-time investment plans, SIP entails regular payments for a fixed period. It allows investors to garner shares of a mutual fund by contributing a fixed (which is often small) amount of money on a regular basis. And it offers the following advantages readily attractive to any investor.
Reduced pressure on your purse - Through SIP you can enter the stock market even with a paltry investment. Your inability to invest a more-or-less fat amount might have kept you away from investing in the stock market. SIP is an ideal solution for your problem.
Building for the future - We have certain needs that can be addressed only through long-term investments. Such needs include children's education, buying a house of your own, post-retirement emergencies, etc. And SIP offers precious help in this regard. It helps you to save a small amount on a regular basis. And in due time it turns into a substantial amount.
Compounds returns - SIP not only helps you reach a substantial amount after a certain period of time. Rather it helps you to reach that amount at an early age, depending when you start investing. You can amass a notable amount at 70 if you start investing at 35. An earlier start at 25 can enable you achieve the same amount by 60.
Lowering the average cost - In SIP you experience low average cost, courtesy dollar-cost average. You invest the same fixed dollar amount in the same investment at regular intervals over an extended period of time. You are buying more shares of an investment when the share price is low. And you are buying fewer shares when the share price is high. And it may result in you paying a lower average price per share.
The dollar-cost averaging strategy does not try to time the market. Rather it reduces the risk of investing a larger amount in an investment at a wrong time. And it does the same by spreading your investments out over a period of months, years, or even decades.
Market timing irrelevance - The previous two paragraphs tell you that SIP makes the market timing irrelevant for you. The stock market unpredictability and volatility often play a deterrent for wannabe investors like you. In SIP, you are completely free from this problem of wrong timing.
The SIP's mode of function
A typical SIP entails monthly investments over a period of 10, 15 or 25 years. You are generally allowed to start your investment with a modest sum.
You do not have direct ownership of the funds. Rather you own an interest in the plan trust. The plan trust invests the investor's regular payments, after deducting applicable fees, in shares of a mutual fund.
Things that you should make clear before investing in an SIP
You should make certain things clear to yourself before going for an SIP investment. They include the following -
a.You should be confident about continuing to make payments for the term of the plan. Withdrawal in the mid way will almost certainly make you lose your money unless you are eligible for a full refund.
b.Check the fees charged by the plan. Also check the circumstances under which the plan waives or reduces certain fees.
c.Study the plan's investment objectives. Take a note of the risks of investing in the plan. And check whether you are comfortable with them.
d.Check your statutory rights to a refund in case you cancel your plan.
Stocks Or Mutual Funds
(category: Mutual-Funds, Word count: 539)
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If you happen to have some money left over at the end of all the bill payments and you have no need for anymore toys, or even if you are beginning a prudent and fiscally responsible gamble on some wealth that incorporates investment opportunities, you may find yourself wondering whether investing in stocks or purchasing mutual funds will offer the best returns. You might also consider this question when considering how to set up a retirement fund.
In order to help make the decision, it is important to understand what stocks and mutual funds are.
Stocks: Most people believe they have a basic understanding of what stocks are, simply because of their exposure to the term in every day usages. Stocks are individual bits of companies that are available to be purchased by the public in open trading on the stock exchange. Stocks are often sold in bundles, and thus to purchase a stock in a specific company often entails some kind of minimum purchase. Stockholders have a vested interest in the company's well-being, as the price of their stocks are directly related to a company's performance. Stocks are divided according to the kind of business they represent, which is known as a sector.
Mutual Funds: Mutual funds are collective investments that pools the money from a lot of investors and puts the money in stocks, bonds, and other investments. Mutual funds are usually managed by a certified professional, as opposed to the individual management of stocks. In essence, mutual funds incorporate many different types of stocks.
The question of whether or not to invest in stocks or mutual funds will primarily come down to the personal expertise and wealth of the individual. Many people will be tempted by the "game" aspect of buying stock, as well as the chance to invest singularly in a company that is well-known or can be easily researched. The fact is, however, that by the time stocks become available on the market they are generally already highly priced, and investing in individual stocks is a highly risky maneuver as your entire process hangs on the well-being of just one company. Even wealthy investors diversify their portfolios by investing in several different types of stock, and this can simply be unaffordable for the average person.
The better bet for the beginning investor is to purchase mutual funds. Mutual funds will pool the costs of many different stocks, lessening the risk of losing your money and raising the chances of gain. Mutual funds may not provide quite the excitement of investing in a lucky stock, but they are good investments for a long-term financial opportunity. In addition, mutual funds are managed by professionals that are well acquainted with the pitfalls and opportunities of the investment sector, which will cut down on both risk and the time it would take to pick individual stocks through research and appointments. Mutual funds will also distribute the risks among several investors, and it is all managed by someone who likely has contacts within the financial world.
For the individual with some extra money, who does not have the time or the expertise to properly "play" the stock market, mutual funds will prove the better option.
How To Select A Mutual Fund
(category: Mutual-Funds, Word count: 264)
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One of the most common ways of selecting a mutual fund is to invest with the crowd in today's hot funds. Unfortunately, jumping from one winning fund to another is a recipe for disaster. The mutual funds that the crowd follows typically have had a hot recent performance and tend to gather all the new mutual fund sales.
Investors as a whole are primarily allocating their new investments to a small number of mutual funds and to a smaller number of mutual fund companies. Investors have invested over $400 billion in the 2843 different mutual funds, but one-third of those assets are invested in only 50 of those funds and one-half of those assets are invested in the largest 100 funds.
There are benefits to following the market leaders. Larger mutual fund companies and larger funds have the ability to reduce costs and attract the best professional money managers. However, the biggest limitation is that today's better-selling mutual fund may not be tomorrow's winner. This is true for any mutual fund but it seems to plague the best seller, and the one that garners the most attention, the most often.
So buying the equity fund that was yesterday's best-seller isn't a strategy that produces excellent returns. You do not have to go fully in the opposite direction and ignore these hot funds, but you should understand their limitations and strengths. They became best-selling funds because they have merit, but you have to access that merit within your own well-diversified portfolio, and not the crowd's current investment trend.
Investors Are Finding Opportunities Beyond Their U S Borders
(category: Mutual-Funds, Word count: 592)
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Experts say global and international mutual funds can represent a world of opportunity for investors.
Foreign-based companies now comprise fully half of the world's equity market capitalization, up from about one-third in 1970, and many key industries such as oil and gas, wireless telecommunications and building construction are dominated by foreign companies.
However, despite the investment opportunities presented by these companies, research shows that international stocks remain significantly underrepresented in most U.S. portfolios. It's estimated that on average Americans hold only about 5 percent of their portfolios in foreign stocks and funds.
Even if they do not realize it, the lives of Americans are influenced by global companies. Perhaps it was the medication taken before bedtime, the car driven to work or the soft drink that accompanied lunch. All are likely to have been products of companies that operate beyond the U.S.
According to ING Funds, the U.S. retail mutual fund unit of ING Group, one of the largest financial service organizations in the world, international equity markets offer investors exposure to many key industries that countries other than the U.S. dominate.
The mutual fund unit has recently embarked on a "Going Global" campaign to introduce more people to international investing.
"ING is working hard to help more people understand how the world of investing is changing," said Bob Boulware, president and CEO of ING Funds. According to Boulware, "Those that are not thinking globally may be missing out."
Just as the domestic portion of an investor's portfolio is typically allocated to include a range of investment options, investors may wish to apply that same logic to their international portfolio, selecting an array of sub-asset classes to better position themselves for changing international market conditions. One way to get started would be for investors to consider global and international mutual funds.
Global funds can provide exposure to opportunities around the world-both international and domestic. International mutual funds may be better suited for individuals seeking purely foreign holdings to complement their existing domestic portfolio.
Among both global and international funds, an investor may want to consider:
Market Style. Determine if you are seeking value or growth stocks or a blend of both in your international portfolio.
Market Capitalization. Select from small, mid or large "size" companies based on the total dollar value of all its outstanding shares.
Specialty Funds. Designed for investors who wish to target their investments either geographically or to include certain key markets, such as real estate. Some investors may wish to consider a fund-of-funds that includes a diversified portfolio of international holdings. An international fund-of-funds gives investors a footing in a variety of important international asset classes with one investment.
For example, the ING Diversified International Fund is a fund-of-funds that incorporates a range of international market segments, including international growth, international value, international small capitalization stocks and emerging markets. With underlying portfolios managed by some of the world's most respected international portfolio managers, the fund makes it easier to build international asset allocation into your investment plans.
As a recognized leader in global asset management, ING Funds has been focused on providing a mix of global and international investing opportunities for U.S. investors through mutual funds, in part because of its access to more than 700 investment professionals located worldwide with insight into the dynamics of markets in Europe, Asia Pacific and the Americas.
The company's latest white paper, "Seeing the Big Picture: A Global Approach to Investing," provides a primer on a variety of aspects of international investing.
Retirement Income Planning Mutual Funds
(category: Mutual-Funds, Word count: 381)
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When willing to invest in mutual funds for Supplemental Retirement Income Planning, you have millions of alternatives. It is always important to analyze the plan, its limitations and the risks you will be running, and thus, it would be easier for you to narrow your alternatives. For this matter, it could be helpful to get in contact with a Retirement Income Planning financial professional.
Mutual funds are classified in three main categories that differ in regards to their risks, features and rewards. They are money market funds, bond funds, which also receive the name of "fixed income" and finally, stock funds, which are also called "equity funds". Let's take a deeper look at each one of them.
Money Market Funds can only invest in just some high-quality, short-term investment that be issued by the U.S. government, U.S. corporations and local governments. These funds attempt to keep the value of a share in a fund, called the net asset value (NAV) at a stable $1.00 a share. The returns for these funds have always been lower than the other two kinds of funds. Because of this, money market funds investors have to be aware about the "inflation risk". Although Bond Funds are a bit risky than money market ones, most of the time, risks can be controlled with greater certainty than stocks. In addition, due to the fact that there are many types of Bund Funds, their risks and rewards vary greatly. These risks may encompass credit risk, which refers to the possibility that issuers whose bonds are owned by the fund do not pay their debts; interest rate risk and prepayment risk, which is associated to the chance that a bond be "retired" early. Finally, there are differences between one stock fund and another. For instance, Growth Funds are focused on stocks that provide large capital gains, Income Funds invest in stocks that pay regular dividends, and Sector Funds are specialized in particular industry segments. In general, they present a medium-to-high level of risk.
Thus, people who are planning to invest in a fund that combines growth and income, which are definitely key factors, may find mutual funds an interesting balanced alternative choice for Supplemental Retirement Income Planning.
How To Pick A Profitable Mutual Fund
(category: Mutual-Funds, Word count: 391)
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We have all heard the advantages of investing in a mutual fund over trying to pick individual stocks. First of all mutual funds hire professional analysts that are market experts and devout many hours of study to the various stocks. Unless you want to devout a large portion of your free time to the study of the financial reports, you probably won't have as much information to make a decision as a mutual fund manager.
Then there is the well documented advantage of diversification. Risk is reduced by holding several non correlated investments. Put simply, some go up, some go down and combined, the return levels off the fluctuations, or risk.
Finally, a mutual fund offers smaller investors a chance to invest in small increments rather than having to save a large chunk of cash to purchase 100 shares of stock.
Given the above advantages, it's no wonder that mutual funds have become a very popular form of investing. Now there are thousands of mutual funds to choose from, so how does one make a selection? Here are a few tips:
1. Do not be seduced to jump on the recently performing best fund. It may seem like the safe and rational thing to do, but like individual stocks, you want to buy low and sell high, not buy high and pray for more growth.
2. Even good funds may not be able to overcome the force of the overall market. You should be looking for funds that can exceed the broad market without increasing risk. Each fund has certain risk parameters that it is required to follow. Read the prospectus closely to understand what these are.
3. Limit the number of funds that you own. Unless you are trying to simply achieve the same returns as the broad market, diversifying into many mutual funds will not reduce your risk or increase your return by much.
4. Funds that become too popular and too big tend to slip in performance. There are several reasons for this.
Find more valuable mutual fund resources at www.best-mutual-fund.info
One final point to keep in mind is that the type of fund will totally depend on your investment objectives. There are certain funds that are designed for your objectives be they retirement, income, growth, funding the kids college, etc.
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