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Avoid the Duds: 10 Strategies for Selecting "The Perfect Speaker"
Today, more than ever, the success of meetings relies heavily on the strength of program content and presentation. Nothing can spoil a meeting more than hiring the wrong speaker. That’s because speakers do more than just convey the overall meeting...
Learn the Art of Dynamic Leadership
Leadership is art of leading a group of people to attain a certain goal. Without leadership qualities it is very difficult to write a big success story either in business or in politics. Progress of a country or success of a business depends on its...
Quick Fix Marketing - It's a Good Thing
The term "quick fix" has come to have negative connotations but
this bad rep is partially undeserved. It's true that quick fixes
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Save Your Family From Danger!
Save Your Family From Danger by recognizing the stress in the eyes. Now You Can predict & prevent violence.
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The Path to a Profitable Speaking Career
What follows are excerpts form Mike Moore's popular manual
Public Speaking for Profit and Pleasure. Every month I receive
numerous emails from people all over North America asking how I
got into the speaking business and how they can too. To...
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Mutual Fund Expense Lies
MUTUAL FUND EXPENSE LIES
When purchasing mutual funds we are cautioned
to read the prospectus, look at past
performance, check out the fund manager’s record
and see what their expense ratios have been.
We are also told that we should not buy funds
with expenses exceeding 1% to 1.5%. When you ask
the fund salesman (don’t forget he’s a salesman)
he will assure you that the fund expenses are
whatever is shown in the prospectus. He is
telling you the truth, but not the whole truth,
according the Securities and Exchange
regulations. In many cases he has left out a big
chuck of expenses.
The 1.5% expense means you are paying $150 each
year of every $10,000 you have invested with
that fund. The lower the expense is the more of
your money is at work. As a fund becomes larger
meaning they take in more money the expense
ratio should drop, but it rarely does.he fund
manager must make 1.5% to have your money stay
even.
If you can find your way around the Securities
and Exchange Commission internet web site you
will find that the definition of expense ratio
leaves out commission charges. Many funds will
turn over their portfolio by 100% in a year.
Obviously they are not going to buy and sell at
no charge. The floor broker must be paid a
commission for each share that is executed.
Sometimes brokerage fees are purposely inflated
and the broker kicks back favors(they don’t call
it that) such as research information, free
computers and other favors. Been to the
Hampton’s or Hawaii for that all-expense weekend
seminar? Course not.
The SEC does not require that this commission
cost be
disclosed as an expense. Why? Their
answer is pure government hokum, “We exclude
brokerage costs because we have always excluded
brokerage costs”. This is the SEC that is
supposed to be the watchdog for the investor.
Leaving out this important fact will hide
another .25 to .50 cents or more in some cases
in expenses that you are paying for. When you
call the fund to ask if their brokerage
commissions are included the person to whom you
are speaking probably won’t understand and will
give you the standard answer that the number
shown in the Prospectus is correct. Getting a
true answer is like pulling an impacted wisdom
tooth. If you can get one.
Brokerage commissions are known to the penny
and could easily be included in the prospectus,
but these “soft dollars” as they are known are
not made public to the investors seem to
disappear.
Fund managers say these costs are insignificant
and that investors should look at the fund’s
performance. If they did that and really
understood what they were looking at they
probably wouldn’t buy 90% of the domestic stock
funds.
This is just another example of how the
investor has the wool pulled over his eyes and
another reason I find prospectuses worthless.
About the Author
Al Thomas' best selling book, "If It Doesn't
Go Up, Don't Buy It!" has helped thousands
of people make money and keep their profits with
his simple 2-step method. Read the first chapter
and receive his market letter for 3 months at
www.mutualfundmagic.com and discover why he's
the man that Wall Street does not want you to
know. Copyright 2005
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| Public speaking training - Overcome your fear of public speaking with our presentation skills classes. We offer presentation skills training seminars, ... |
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