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Americans Face Serious Risk for Outliving Their Retirement Savings
(ARA) - As Baby Boomers creep ever closer to their golden years, they face unprecedented challenges to their future financial security. Retirement nest eggs have eroded considerably since the equity bubble burst on the bull market of the 1990s....

The Cost of Green Eggs and Ham
Young readers know that March 4th is the birthday of Dr. Seuss. Many parents trip their tongues over Seuss stories like "Green Eggs and Ham". "Do you like green eggs and ham?/I do not like them, Sam-I-am./I do not like green eggs and ham"....

The Difference Between Investing and Trading
Investing and Trading are not the same thing. The returns you seek, the length of time it takes to achieve those returns, the amount of risk one is prepared to take, and the commitment one can make to monitor the investments dictate the strategy...

The Exclusive Club Of Large Caps
Picture one of those clubs where only the real heavyweights need apply. In the library the old aristocrats, General Motors and JP Morgan, are dozing in their leather chairs. On the terrace, a late luncheon is underway for those who have only...

Winning the Game of Retirement
Consider yourself an athlete in the sport of investing. Physical endurance is important when it comes to the sprint, however mental poise will see you through the long run. An investor can have the most reliable information available, but with the...

 
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

 

Morningstar: Stocks, Mutual Funds, and Investing
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www.morningstar.com
 
StockSmart - Putting the Individual Investor Ahead
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Finance - Stocks-Mutual-Funds 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: Stocks Mutual Funds Articles from EzineArticles.com
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ezinearticles.com
 
NewsIsFree: USATODAY.com: Stocks/Mutual Funds: Information About ...
USATODAY.com: Stocks/Mutual Funds · Original XML Source Money Classifieds - Stocks/Mutual Funds Copyright 2011, USATODAY.com, USA TODAY ...
www.newsisfree.com
 
Online Giving - Campus Crusade for Christ International
Credit Card by Mail or Phone. Other Ways to Give. Non-Cash Gifts: Stocks, Mutual Funds, & Property Gifts · Planned Giving: Wills, Trusts & Annuities ...
https:
 
New way to watch stocks, mutual funds & 401k at office. Free ...
Excel workbook for stocks and mutual funds. Download quotes directly from Internet.
www.esquotes.com
 
News From The Associated Press
Copyright 2005 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Comments and questions.
customwire.ap.org
 
Google Finance Launches : Track Stocks, Mutual Funds & Companies
Google Finance offers an easier way to search for stocks, mutual funds, public and private companies. Further, Google Finance also offers a broad range of ...
www.quickonlinetips.com
 
Yahoo! Answers - Individual stocks, mutual funds, and ETFs?
2 answers - what are the difference between individual stocks , mutual funds and ETFs? which one is better for investment ?
answers.yahoo.com
 
Petition Spot :: View Forum - Investing: Stocks, Mutual Funds
Investing: Stocks, Mutual Funds Moderators: None Users browsing this forum: None, Goto page. Post new topic · Petition Spot Forum Index->Investing: Stocks, ...
www.petitionspot.com
 
Donate Stocks/Mutual Funds/Bonds: Beth Israel Deaconess Medical ...
Subordinate Link Selected Link (Level 3): Donate Stocks/Mutual Funds/Bonds · Subordinate Link Donate by Telephone · Subordinate Link Employee Giving ...
www.bidmc.harvard.edu
 
Gifts of Stocks/Mutual Funds/Bonds: Beth Israel Deaconess Medical ...
Subordinate Link Selected Link (Level 3): Gifts of Stocks/Mutual Funds/Bonds · Subordinate Link Donate By Telephone or Mail ...
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U.S. stocks - mutual funds that invest in American companies ...
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Investment capsule: - stocks, mutual funds and fixed income Money ...
Investment capsule: - stocks, mutual funds and fixed income from Money Digest in Business & Finance provided free by LookSmart Find Articles.
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Free short term stock picks. Buy, sell and hold recommendations. Stock market, financial investments, quotes, mutual funds.
home.flash.net
 
Stocks/Mutual Funds - Gospel for Asia
14500 native missionaries already serve and plant over 10 churches daily. Help sponsor a native missionary for $30 per month. 100% goes directly to the ...
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Keeping Good Records: Stocks, Mutual Funds, and Bond Investing.
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Articles for Reprint - Stocks-Mutual-Funds
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