| Author |
Message
|
| mastermike311 |
 Posted: Fri May 25, 2007 3:23 am Post subject: Mutual Funds? |
 |
|
Investing Associate
Joined: 15 May 2007
Posts: 19
This Month: 0
9631.93 e$
Net worth: 9,631.93
Portfolio Value: 0.00
Monthly Return: 0.00%
Trades this month: 0
Churn Rate: 0.00%Items
|
| Does anyone have an idea of what is good and bad when dealing with mutual funds? |
|
| Back to top |
|
 |
| efflandt |
| Posted: Fri May 25, 2007 1:43 pm Post subject: |
|
|
Investing Manager
|
A good mutual fund has consistant good short, or at least long term, returns and low fees. A bad fund is one with a low to negative return, high fees, and an extra front, back, or continuous load (12b fee). The problem is finding the 10-20% of funds (depending upon market cap and segment) in the first catagory.
For example in my 401(k) I am usually in the best 6 or 7 of their 30 choices. It is a bit more bewildering having over 1000 no trade fee mutual fund choices in an IRA at a broker, and well over 11,000 ETF and stock choices.
But expense ratio should not be the only consideration if a fund is well managed and average return with that included is better than similar funds. For example if one fund returned 9% 10 yr ave. including its 0.6% expense ratio, and another returned 17% 10 yr ave. including its 1.5% expense ratio, which would you put more money into (even though past results do not guarantee future results)? |
|
| Back to top |
|
|
| Willcarsrule |
| Posted: Sun Jul 15, 2007 1:53 pm Post subject: |
|
|
Investing Sr. Associate
Joined: 08 Jul 2007
Posts: 64
This Month: 0
219.69 e$
Net worth: 11,907.69
Portfolio Value: 11,688.00
Monthly Return: -29.41%
Trades this month: 0
Churn Rate: 0.00%Items
|
| I got lucky, in like 8yrs go about 8-10 percent rather then manging myown with school etc lol no time |
|
| Back to top |
|
|
| sport302 |
| Posted: Sun Aug 19, 2007 6:58 pm Post subject: |
|
|
Investing Associate
Joined: 13 Feb 2007
Posts: 17
This Month: 0
9072.00 e$
Net worth: 9,072.00
Portfolio Value: 0.00
Monthly Return: 0.00%
Trades this month: 0
Churn Rate: 0.00%Items
|
Good (Time Factor) - Trying to diversify your own portfolio is very time consuming not to mention very difficult especially for a beginner with limited resources.
Bad (Over Diversified) - Those against mutual funds will say why do you want to own a fund with a variety of stocks that are going down. Why not just pick the best stocks on your own and have larger returns. |
|
| Back to top |
|
|
| Colli |
| Posted: Thu Nov 22, 2007 2:55 am Post subject: |
|
|
Investing Sr. Associate
Joined: 18 Nov 2007
Posts: 57
This Month: 0
126.68 e$
Net worth: 10,405.68
Portfolio Value: 10,279.00
Monthly Return: -14.20%
Trades this month: 0
Churn Rate: 0.00%Items
|
(1) When analyzing a mutual fund make sure that the current manager is the manager who produced the good results that attracted you to the fund to begin with.
(2) Avoid Load Funds - statistics show that load funds do not regularly outperform No-Load Funds so why pay any extra for them?
(3) Be careful of investing too much in funds that are top-heavy in a single area (such a financials). Picking a fund with no more than 15-20% invested in a single market area adds a level of safety when a single market area goes south. |
|
| Back to top |
|
|
| esquire415 |
| Posted: Wed Dec 12, 2007 11:37 am Post subject: |
|
|
Investing Manager
Joined: 02 Jun 2006
Posts: 321
This Month: 0
117363.53 e$
Net worth: 117,363.53
Portfolio Value: 0.00
Monthly Return: 0.00%
Trades this month: 0
Churn Rate: 0.00%Items
|
I have a silly question. A mutual fund has an expense ratio. When I read a profile for a mutual fund sometimes it charges the following fees:
Management fee
Administrative fee
12b-1 fee
My question is, are these fees charged on top of the Expense Ratio indicated on the mutual fund or are these fees already included in the mutual fund's expense ratio? |
|
| Back to top |
|
|
| cheerio |
| Posted: Wed Dec 19, 2007 1:22 pm Post subject: |
|
|
Investing Associate
|
| How does someone go about getting a specific mutual fund to start with? Also can someone explain a chart for me regarding a mutual fund? (UNWPX). The charts says that with a $10K investment from 2001 it would have yielded almost 740%? How is that possible with a Annual Yield of 11.4%. I am confused. |
|
| Back to top |
|
|
| dishcrew |
| Posted: Thu Dec 27, 2007 6:02 pm Post subject: mutual fund |
|
|
Investing Associate
Joined: 07 Oct 2007
Posts: 22
This Month: 0
110.51 e$
Net worth: 4,626.88
Portfolio Value: 4,516.37
Monthly Return: -22.50%
Trades this month: 0
Churn Rate: 0.00%Items
|
probably compound interest...?
| cheerio wrote: | | How does someone go about getting a specific mutual fund to start with? Also can someone explain a chart for me regarding a mutual fund? (UNWPX). The charts says that with a $10K investment from 2001 it would have yielded almost 740%? How is that possible with a Annual Yield of 11.4%. I am confused. | |
|
| Back to top |
|
|
|
|
stock market game on the web. At eInvesting you compete for monthly cash prizes while you interact, make virtual dollars, purchase items, and trade in the realistic stock market simulator. We make investing FUN!
