|
|
Housing Bill - Changes in Right to Buy Scheme
Presently council tenants are able to purchase their rented property after 2 years of tenancy. However, this is about to change. As of the 18th January 2005, the new Housing Bill becomes law and the current 2 years will change to a period of 5...
Monaco Might Lose Its Status of Personal Income Tax Haven
That Monaco is crowded with celebrities is no piece of news. Since 1869, when the personal income tax policy became favorable, Monaco attracted very many individuals with high net income, such as movie stars, sporting stars etc. who became...
"Publicrelationistas?"
Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at bobkelly@TNI.net. Word count is 765 including guidelines and resource box. Robert A. Kelly ©...
What Are Internet Radio Hosts Looking For In Their Guests?
Copyright 2005 Black Butterfly Press
http://www.maxinethompson.com
As an Internet Radio Host of On The Same Page on www.voiceamerica.com, over the past three and a half years, I have interviewed such illustrious guests as Haki Madhubuti of...
What is a Car Loan?
A car loan is a type of credit offered by a bank or other financial lender for the specific purpose of buying a vehicle. Car loans allow you to finance buying a new or used car . There are a range of car loans available from banks, building...
|
|
|
|
|
|
|
|
Do Lifestyle funds provide greater security?
With the stock market stubbornly refusing to settle down and smooth out, Wall Street has been scrambling to come up with "product" they can sell to gun shy investors.
One such new concept is the Lifestyle fund; an extremely diversified package designed to be the single fund in an investor's portfolio.
There are two general types of these funds, in which assets are spread out across a wide range of stocks and bonds. In one, securities are held directly, in the other, assets are held through other funds.
Fidelity's Freedom 2030 is an example of the first type. It targets a specific retirement date, and the cash and bond stakes rise as that date approaches.
This type of fund has created a perception among investors that its value will not drop and that it is safe. But, in fact, these are no safer than a standard mutual fund.
Since we sold all of our investment positions on October 13, 2000 and preserved our capital, Fidelity Freedom 2030 has lost 39% (through 2/21/03).
Do you think that's an isolated incident? I'm not picking on Fidelity, but here are some of their other Lifestyle funds with returns over the same period:
Fidelity Freedom 2020: -34% Fidelity Freedom 2010: -22%
So much for perceived safety. The other Wall Street bright idea is the fund of funds (FOF). It sounds good, but it actually creates a double layer of costs; the cost of purchasing the fund itself, and then the expenses of the mutual funds the FOF purchases.
Take for example, the Enterprise Group of Funds. It shows an
expense ratio of almost 2% plus a sales charge of 4.75% according to Morningstar. Tackon the underlying expenses and you're paying out more than 3% a year in investment expenses.
If you're a new investor (with less than $10k), and have your account at a discount broker, you can add a minimum of 1% per year in fees just for the privilege of having an account. That brings the total up to 4% in annual expenses.
Talk about adding insult to injury.
FOFs are sometimes being touted as the only fund you need no matter what the investment climate. So, let's compare to see how the Enterprise fund of funds performed during the same period as mentioned above for the Freedom funds:
Enterprise Group of Funds: -35%.
The bottom line is that no matter what type of mutual fund you choose, or what anybody claims it will do for you, you must be vigilant and see if it does what you were told it would.
In investing, there is simply no such thing as a sure thing. Sure you need to know how to recognize a good investment. But just as important-maybe even more important-you must know when to recognize that a good investment idea didn't work out, cut your loss, and sell.
About the Author
Ulli Niemann is an investment advisor and has been writing about objective, methodical approaches to investing for over 10 years. He eluded the bear market of 2000 and has helped hundreds of people make better investment decisions. To find out more about his approach and his FREE Newsletter, please visit: www.successful-investment.com
|
|
|
|
|
Finance - Leases-Leasing Ezine Articles |
EzineArticles.com allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites. |
ezinearticles.com |
  |
Finance: Leases Leasing Articles from EzineArticles.com |
http://ezinearticles.com/?cat=Finance:Leases-Leasing Free Content For Your Ezine or Website http://creativecommons.org/licenses/by-nc-nd/2.0/ Why use your ... |
ezinearticles.com |
  |
Leases Leasing - Money & Finance Articles |
Leases Leasing - Money & Finance Articles. Money & Finance | Accounting & Payroll | Bankruptcy | Business & Loans | Credit Tips | Currency-Trading ... |
www.article99.com |
  |
Finance » Leases Leasing » Absolute Article Directory |
Absolute Article Directory: Finance, Leases Leasing. |
www.absolutearticle.com |
  |
- Leases-Leasing |
By David Springer | On January 29, 2006 | In Leases-Leasing | Rated. Short on cash, but need equipment? Consider leasing what you need. ... |
www.articlebar.com |
  |
Leases Leasing |
You are here: Article Directory arrow Article Directory arrow Finance arrow Leases Leasing ... Leases Leasing. Articles ... |
www.rumorist.com |
  |
Long Term Car Rental Italy Auto Rentals Leases Leasing Rome Milan ... |
Long Term Car Rental Italy Auto Rentals Leases Leasing Rome Milan Florence One Way Paris London Frankfurt Madrid Lisbon. |
www.ideamerge.com |
  |
europe car rental leases leasing one way rentals long term renault ... |
pictured is the Renault Laguna Estate, With Renault tax-free, short-term auto leasing you get the exact, brand-new vehicle you reserve, plus unlimited miles ... |
www.ideamerge.com |
  |
Private Fleet - Finance, Insurance, novated leases, leasing, CHP ... |
New Car Broker Australia. Private Fleet sales discounts on your new car purchase, no haggle, no hassle saving $1000s off all new and used cars for private ... |
www.privatefleet.com.au |
  |
Projector Leases, Leasing Companies for LCD, DLP, LCOS projectors |
Projector leasing programs and services. Choose a company. |
www.projectorcentral.com |
  |
Category: leases-leasing |
Category... leases-leasing. Results 1 - 3 of 3. Search took 0.01 seconds. Page 1 of 1. Buy or Lease: Which Automobile Transaction is Better? ... |
www.articler.com |
  |
John Dellagnese & Associates: offices, officespace, lease, leases ... |
It takes two companies to bring you the premier Corporate Property Development group in Northeast Ohio: the talents of John Dellagnese and Associates ... |
www.dellagnese.com |
  |
John Dellagnese & Associates: offices, officespace, lease, leases ... |
Welcome to our Tenant Login Page. * Forgot your password or haven't received one yet? Email us tinah@dellagnese.com or call 330-668-4000 and we will reply ... |
www.dellagnese.com |
  |
The-Arts-Magazine.com - Leases-Leasing |
Home arrow Article Links arrow Finance arrow Leases-Leasing. Main Menu ... Mosets Tree. Leases-Leasing. Listings. There are 0 listings in this category. |
www.the-arts-magazine.com |
  |
OmegaMotors.com - Your Money - Leases - Leasing Overview |
Blue Book retail & trade-in value reports on used vehicles. Kelley features prices on used cars, trucks, street and dirt bikes, ATVs, scooters, ... |
www.omegamotors.com |
  |
Entertainment Guide - Leases-Leasing |
Sunday, 03 December 2006, Home arrow Article Resources arrow Finance arrow Leases-Leasing ... Mosets Tree. Leases-Leasing ... |
www.entertainment-resource-directory.com |
  |
- Leases-Leasing |
Mosets Tree. Leases-Leasing. Listings. There are 0 listings in this category. spacer.png, 0 kB. spacer.png, 0 kB. download joomla modules download joomla ... |
www.healthcare-resource-guide.com |
  |
FINANCEDEPARTMENT.COM- Finance, Mortgages, Leases, Leasing ... |
Finance, Mortgages, Leases, Leasing, Brokerage Houses, Mortgage Lending. |
www.financedepartment.com |
  |
vehicle leases leasing guide and facts |
vehicle leases leasing guide and facts. Under the federal Consumer Leasing Act, you, the consumer, have a right to information about the costs and terms of ... |
www.shopperfavorites.com |
  |
- Leases-Leasing |
spacer.png, 0 kB. spacer.png, 0 kB. Home arrow Article Resources arrow Finance arrow Leases-Leasing. Mosets Tree. Leases-Leasing ... |
www.cars-directory-guide.com |
  |
|