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401(k) Plans
Excerpt from the book 'The Stockopoly Plan'. by the author Charles M. O'Melia I’ve been in and interested in the stock market so long (one year shy of forty years) I can remember when the Mutual Fund pages in my home town paper were just one...
Index investing - Going by the numbers
The Dow, the NASDAQ, the S&P 500 – these are stock indexes, company structures that keep track of the values of listed stocks and enable brokers and others to trade in them. Index investing involves holding a portfolio of stocks or a mutual fund...
Investor Guide to Financial Health
Step 1: Spend less than you earn Perhaps the simplest financial concept is the toughest for us to conquer- spend less than you earn. After paying your living expenses (bills, loan and mortgage payments, cost of food, charitable contributions, taxes,...
Setting Financial Goals - Part 2
In my earlier article “Setting Financial Goals – Part 1” I identified the 4 simple steps to setting up achievable financial goals. I mentioned that your financial goals should be broken down into smaller more manageable goals and then written down...
The Best Of Stock Market Simulation Games
A stock market simulation game is a great way to practice your investment skills before actually investing any "real" money in the stock market.
Simulation games are usually played on the internet, where people can experience the thrill of...
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Is your mutual fund the right one for you?
Mutual Funds are considered to be one of the best investments one can get hands on. They're very flexible and cost-effective. An excellent investment for people with restricted knowledge, time or, money.
For beginners, who might have a perplexed expression on their faces at the mention of mutual funds; let me first acquaint them with what the mutual funds are all about.
A mutual fund is a financial instrument that enables a group of investors to pool their money together. There's a fund manager who takes care of the pooled money and invests them into specific securities (stocks or bonds). Investing in mutual funds basically means buying shares of the mutual fund and becoming a shareholder.
Having read this, you may have now decided to buy a mutual fund. But you've over 10,000 mutual funds to choose from. So how do you make sure that the one you've picked up is the right one?
For those who're new to this investment thing, let me apprise you with ‘load' and ‘no load' mutual funds. ‘Load' is basically a commission that has to be paid to the broker when you buy the fund while ‘no load' mutual funds are free from such commission hassles, as they're sold directly by the investment company.
It's best to consult an investment counselor before plunging into this venture. These finance mentors will charge a certain fee from you. They get no commission from the firms. Getting paid from their clients, these counselors make sure that you get the best out of any deal you make. Hence, you're sure of getting a
reliable advice from your counselor. And obviously, they'd always advise you to go for ‘no load' mutual funds. Why?
Well, it goes like this. ‘Load' mutual funds are sold by brokers who get paid by the firms. Right? So, I don't see any reason why they'd be concerned whether you make or lose money. They're only interested in persuading you to buy funds often, so that they can relish their rewards from the firms. Moreover, ‘load' mutual funds consist of front-end charges, back-end charges, or deferred charges. Quite loaded!
Any savvy investor would certainly ensure that all of his/her investments are worthy. The investors get to choose the funds on their own, the way in which it happens with the ‘no load' mutual funds, as they are free from charges.
However, at the end of the day, the presence or absence of a broker has got nothing to do with the success of your investment. It's actually the advice you get from your counselor that really matters. A well-planned decision and a loyal advice on when to buy or sell are vital for securing a bright financial future. So, keep your mind wide open and invest! Good luck!
About the Author
James Marriott is a finance writer with more than 15 years of experience in writing financial content, including those related to credit cards, mortgages, stocks, investments, and funds. He is also a regular financial columnist with renowned business journals. For your comments on the article and further financial assistance, please contact our staff writer at info@rncos.com.
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