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No Load Mutual Funds or Exchange Traded Funds (ETFs)?
If you are fed up with early redemption charges and ever increasing mutual fund management fees on top of bad-performing fund managers, read on. There is a quiet revolution going on in the no-load mutual fund industry and you, the individual...
"Simple Strategies to Making Financial Gain"
Now is a great time to make it a habit to manage your resources instead of your resources managing you. What is meant by that when we are stating that "Your money manages you"? Here is a well known example: "There is more month than there is...
Six Things To Do In A High Risk Market
When the market turns against you, what should you do? Sell everything? We discussed that choice in a recent column. Selling everything draws your "line in the sand" and announces that you have determined there is no future for you in the market. ...
Three Steps To Stock-Picking Success
With thousands of stocks, mutual funds and exchange traded funds
to choose from, it may seem like a daunting task to
separate the wheat from the chaff.
Don't let the shear numbers discourage you.
By applying three simple steps, ...
WHAT THE SEC REALLY THINKS ABOUT MUTUAL FUNDS!
Let’s go into the details of why non-indexed mutual funds are such a bad deal. When Arthur Levitt became the head of the Security Exchange Commission in 1993 he had to sell off all of his individual stocks so that people would not claim that he was...
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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
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