By Larry lane www. InvestorZoo. comPourquoi buy a mutual fund? The main reason for investors to buy mutual funds is diversification. A mutual fund can have fewer than twenty tracks up to several hundred. These can be stocks, bonds and cash. If your investable assets are less than $ 50,000, investment funds can be an ideal tool to diversify your portfolio. By investing in a mutual fund, you’re actually paying for a professional manager or management team to oversee their investment. Companies like mutual funds have much money to invest, which may have the advantage of meeting directly with the CEO and senior management of a company before investing. This is certainly an advantage of an investment fund with more than one individual investor. If you’re busy living your life or are not qualified investment balances individual research, the purchase of mutual fund investing can be idéal.Besoin sell quickly, no problem “Most investors think of a fund investment as a long-term investment. However, the sale of a mutual fund is as easy as selling a stock. If you place an order to buy or sell a mutual fund, you will receive the day’s closing price, not the exact moment they are asked to place the order. The investment funds are considered a very active trap placementComme liquide.Les fund surely mutual funds have their drawbacks. If an investment manager of investment funds is related to pursuant to a prospectus of the fund, has no control over what individual actions of its manager buys or sells. If you have an objection to a certain action, as the manager buying shares snuff, you have no recours.Hot a year, the cold prochaineAvec an investment fund, your money is combined with other investors. This may create a problem for you and your mutual fund manager. The money can pour into hot mutual funds you own . This may force the fund manager said the money or invest in stocks outside the destination of the funds. This is usually the result of a high-yield funds may suffer in his statement the following year. Remember, your company mutual funds is their performance as well. The more money you have in assets under management, more fees if you bring their entreprise.En more entries are no refunds of your mutual fund manager must take into account. There should be a mass exodus of money invested, the fund manager must sell shares to pay shareholders who sold the fund. In many cases, the mutual fund may hold cash to take account of depreciation. This can cause problems for you too, because we can stop total.Taxes performance, taxes, big problem taxesUn and perhaps the biggest drawback of investing in a mutual fund are tax obligations, that at the end of the year. If the investment fund manager sold shares because of the redemption of shareholders sold shares just because they think that a particular value in the portfolio of investment funds has reached its maximum yield potential, your body experiences a capital gain. This capital increase is passed on you and you have to claim, as such, your tax return, even if they have not sold their shares. These benefits should be distributed to all shareholders at the end of the year. In general, an investment fund earnings report in November or December. If you are considering investing in a mutual fund later this year, you have to call and ask when the date of distribution will be done to avoid being stuck with a tax bill. Here’s a double whammy: if the fund has capital gains in some stocks but suffered a loss of NAV (net asset value) may still be responsible for paying the tax on capital gains earlier this year. Note: This only applies to the liability accounts. If you are an investor fund investment and held in a taxable person not as a 401K or IRA, the above is not applicable because they are not taxed until you withdraw your money from your retraite.La fund managers of most funds do not beat their référenceSi rate you are getting a little worried about the investment of funds, no new ideas. Most fund managers do not beat their unmanaged reference. Researchers at Standard and Poor’s has conducted a study in 2006 found that only 38% of managers of large-cap funds were able to beat the S & P 500 (the reference standard, a manager of large-cap funds would be judged against) a period of three years . Over a period of five years this figure falls to 33%. This is complicated for small cap investors. Small fund managers of the CAP, investment lagged its benchmark by 24% over a period of three years and only 21% better than the index for a period of five years. This means that during a period of five years, has a probability of 67-79% being lost at an unmanaged index. In addition to the above reasons, it is the human factor. Throughout the history of the market, investors have sought the Holy Grail of the investment. If the best paid of the smartest investment fund managers have found after 100 years, is likely to pas. Frais commissions and as an investor, you are indeed paying fees to a professional corporation to invest your money for you. I can not think of a single investment fund that will send an itemized bill at the end of the year. But by law, funds mutuals should send a brochure detailing all fees charged. If you suffer from insomnia, it is highly recommended reading. Before investing, please call the fund company and consult your financial advisor. Get educated on your investment before to send part of your hard earned money. Remember that mutual funds collect fees expenses that the success étaient.Voici share mutual funds and shares of relief: 1) Class action by funds, which are known commonly referred to as “loaded funds” and charged a percentage of 1-6%. Over time, you can take a huge plate of total return2) Class B common fund fees This is generally known as “back-end loaded funds and charge a percentage to sell their shares. The majority of funds under the charge will dissipate if kept for several years. For example, if you continue to finance a fund by five years, investment funds of the company may renounce their fee3) management fees, investment money is used to cover advertising costs and necessary to operate the wage rate of expenditure of their funds fonds.Sachant is paramount if you have a successful career in investment . The average expense ratio of a mutual fund is about 1. 5%. This means that for every $ 10,000 you invest 150 is chosen for the cost, no matter how their investment funds are not cost effectué.Pensez important? Consider the following: $ 100,000 invested over 25 years will become $ 684,500 if you get a return of 8%. If you press another 2% over a period of 25 years, nearly $ 1,100,000, a difference of $ 415 500. This could be the difference between drinking mojitos on the beach and having to take a job as a receptionist at Wal-Mart in its “golden age.” Invest wisely and consult a financial advisor. The future may dépendre.Larry Lane Editor www. InvestorZoo. com, a social network that specializes in economic personnellesL’information is general support. Always consult a certified financial planner before any financial decision
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