Adding Funds

 
Someday you may want to retire and continue to live in the life style to which you have become accustomed. According to conventional wisdom you will need less money because you will have fewer expenses than when you had to go to the office every day. Maybe. Let's hope so. Unfortunately, it doesn't always work out that way so you had better have saved enough cash to supplement the social security and pension plan income (if you have one). My philosophy is to save with mutual funds as they are the safest way to invest in the stock market....
 

Trading vs Investing

 
I often hear from people, "I don't trade. I invest. I buy a mutual fund and I hold it". Mr. Investor, did you know you are trading on a regular basis? Are you aware that mutual fund managers are changing their positions by selling certain stocks and buying others? Mutual funds must report quarterly what stocksthey are holding. You can get those reports ifyou want them. I can't see where it will do youany good if you are going to blindly hang on tothe fund. A few professional traders will request thesebreakdowns only if a fund is greatlyoutperforming the market....
 

Never Lose Money

 
Never lose money in the stock market again. Yeah, I know. Don't buy any stock, but that is not what I meant. There is a clear and easy way to protect your capital - what you have now and what you might decide to buy in the future. And don't count on your broker to tell you this. As you are aware we have been in a bear market since the beginning of 2000. That is a long time and if you have held your stocks and mutual funds for all this time you have some pretty terrible losses. Losses you did not have to take if you had a knowledgeable broker or financial planner....
 

Mutual Fund Ball and Chain

 
The broker told me not to sell because the mutual fund I owned had a 2% redemption fee and they would penalize me if I did. I got to thinking about it and did some simple math to see what that would cost me if I sold. Several months ago I bought $5,000 of the fund. Fortunately, it was a no-load so I was not charged any commission. It seems that the brokerage house has instituted this fee for the sole purpose of dissuading me from ever selling it. Now I could sell it for $5,500 and make a nice $500 profit in the last 3 months....
 

A Good Fund Manager

 
Every Wall Street analyst, financial planner and broker will tell you that the right way to pick a mutual fund is find a good money manager of a fund that has a long time record. Yes, I believe that too, but it is amazing that when you go back in time to see what this genius did with the mutual fund, you will find years he has had some terrible losses. Would you want to own that fund then? In the year 2000 about 60% of all mutual funds declined. Many had losses of 30%, 40% and many over 50%. That is when they tell you things like: "you have to be in for the long haul", "this is only a market correction" and "the market always comes back"....
 

DIY Portfolio Management

 
Exchange Traded Funds (ETFs) are growing. Investors are choosing low annual expense and market return over high annual expense and promised performance. Total ETF inflow is growing faster than Mutual Fund inflow. ETF inflow grew from $42.5 billion in 2000 to $54.4 billion in 2004. In contrast, mutual fund inflow fell from $309.4 billion in 2000 to $180.3 billion in 2004. Standard & Poors Depositary Receipts Trust (SPY) is the largest and oldest ETF. From the one fund SPY started in 1993 the number of ETFs has grown to 150 in 2004....
 

Top 25 Growth Funds

 
On Monday, November 25, 2000 Investor's Business Daily listed on page B1 the Top 25 Growth Mutual Funds for the last 36 months along with their performance for the year 2000 to date. Only four showed a profit this year of 21% and the other three had increases of 12%, 5%, and 5%. Fifteen had loss of from 10% to 28% and the other 6 were down slightly. In the column next to them there is a list of Top 25 Growth Funds for the past 3 months for the year 2000 to date. Only 2 had increases in price for the year 2000, 4 were even and all the rest are showing losses for the year....
 

Stock Loans

 
Hedge current portfolio positions and gain access to capital resources through loans against free trading, aged affiliate or aged non-affiliate securities. Make proper use of your assets while waiting for performance and hedge your position should the asset move against you. Whether you need to borrow cash for personal or business purposes, these loans against stock can be funded in as few as five business days and are available to insiders, affiliates and common shareholders of publicly traded companies on U....
 

Structured Settlement; Lawyers in NY and Mutual Funds

 
Minority Report the movie may not be far off if the Head of the SEC has anything to say about it. At a Senate Banking Committee hearing on CSPAN, William Donaldson said that the beloved SEC can no longer sit back and "mop-up" after scandals break. This idea of Mopping up is interesting, because if the SEC has anymore regulations then everyone will be reduced to cleaning homes for a living although even Service Master owner of Merry Maids is doing lots of legal insider trading of their stock options and that alone is telling us that maybe just maybe all that Form 4 Action is a sign of things to come?...
 

Hedge Fund Advertising

 
Have you seen all those big full page ads for hedge funds in the Wall Street Journal, the Financial Times, Investors Business Daily? Youhaven't. Maybe they are being drowned out by the regular mutual funds who continually tell you how great they are. Shucks! I forgot. Hedge funds are not allowed to advertise. I wonder why. Maybe they thinkthat their potential customers are too dumb toknow that hedge funds are a poor investment. Could be. The Securities and Exchange Commissionis trying to protect investors - I think?...
 

What Are You Waiting For?

 
Do you own any mutual funds? In an IRA or 401K or wherever. Privately or at work. Have you called your fund manager to find out what is going on with your fund? Are they under investigation for late trading, improper pricing, deviation from length of sales defined in the prospectus or stale trading? Are my questions too hard? Please don't be confused. It seems that most fund owners haven't done anything. There is a serous bout of complacency going around. Forget the flu; this is going to affect your pocketbook....
 
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