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401(k) Plans 2
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 page! Now it looks like there are more mutual funds then there are stocks...
Exchange Traded Funds: 7 Reasons They Beat Most Mutual Funds
There’s been a lot of recent talk in the financial press about exchange traded funds, or ETFs. Some of you may already be familiar with them, but my guess is for most individual investors, the term “exchange traded fund” is just another bunch of...
Making Money in Real Estate - Tax Lien Investing Tips and Risks
In my last article I gave a brief introduction to what tax liens are and talked about how you can earn huge returns by invest ing in tax lien certificates and tax deed sales. But it's one thing to know that investing in tax liens can make...
Stocks for Christmas? Gee Thanks Mom!
Have you read any of the "Rich Dad, Poor Dad" books? They are excellent books for people who want to increase their financial savvy. I have been investing in mutual funds and stocks for over 10 years and it has helped increased our family's...
TWO FOR THE MONEY
TWO FOR THE MONEY by Al Thomas Look back over the years and try to remember how many different stocks and mutual funds you have owned. Suppose you had owned only 2 different equities during that entire time. One when the market was going up and...
 
MUTUAL FUND STUPIDITY

THE ALCHEMIST by AL THOMAS
MUTUAL FUND STUPIDITY
For years the mutual fund industry has been
going great guns taking peoples' money and for the
most part doing a very lousy job of making a good
return for the investor. The reason I say that is
that 80% of them cannot meet the results of the
Standard & Poor’s 500 Index.
The S&P 500 is the most important 500 stocks
of the New York Stock Exchange with a few others
thrown in. If you buy any fund that is not
composed of this index you are relying upon the
fund manger to be able to weed out the poor stocks
and buy the best ones. After all he is a
“professional” and should know more than a monkey
with a dart.
Having been an exchange member and floor
trader I consider it rather easy to go thru the charts
of 500 stocks to eliminate the weakest 200 or 300.
There are even services that categorize all the
NYSE stocks in 5 categories from best to worst if
he doesn’t want to do the work himself yet the
largest majority of managers can’t seem to make an
average amount of money. By average I mean beat
the average performance of all the stocks in the
S&P500 Index.
When you go to the hospital do you want an
average doctor operating on you? Mutual fund
managers are financial doctors only they are
operating on your wallet. You sure don’t want your
money with Mr. Average.
Funds are luring you to give them money
because they have a lower expense ratio, a famous
manager,a specialized category, a socially responsible
portfolio or some other nonsense. Why do I say
nonsense? Because it doesn’t make any difference
which fund you are buying as long as it is
outperforming all the others.
There is one sure way to increase your


return
and that is not to pay commission. That is called a
“load” in the industry and it might not show when
you buy it, but be charged when you sell. No load
funds do as well and better than load funds.
Now many funds are adding redemption fees. It
is an excess charge of a flat dollar amount to as
much as 2% of your sale if you sell before a
certain period of time. If their fund is declining
they don’t want you to take your money out so they
put this additional charge as a way of keeping you
in.
There is a new group of mutual funds that is
called Exchange Traded Funds. There are hundreds
of them and they are becoming the bane of the
traditional mutual funds. These trade like stocks,
can be bought or sold during the day with
permanent stop loss orders in place. The
commission charge at most discount brokers is $15
or less. Their expense ratio runs close to zero so
you also save money there. A win, win, win for the
investor.
Mutual funds will discourage investors from
buying these only because they don’t want to lose
your account. There are many sources of
information about ETFs and the easiest is
www.google.com . Just type in ETF and you will be
inundated with all you need to know.
Unless mutual funds stop chasing customers
away with high commissions, redemption fees and poor
performance the ETFs are going to take a large
portion of the investor funds.


About the Author

F*R*E*E investment letter www.mutualfundmagic.com
Author of best seller "IF IT DOESN'T GO UP,
DON'T BUY IT!" Never lose money in the market.
Copyright 2004 Albert W. Thomas All rights
reserved. Former 17-year exchange member, floor
trader and brokerage company owner.

 

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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.
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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 ...
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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
 
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Subordinate Link Selected Link (Level 3): Donate Stocks/Mutual Funds/Bonds · Subordinate Link Donate by Telephone · Subordinate Link Employee Giving ...
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