Even though Mutual Fund offers higher return but it also carries higher risk. Reasons why mutual funds may not be right for you.
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Mutual Fund
To many people, Mutual Funds can seem complicated or intimidating. We are going to try and simplify it for you at its very basic level. Essentially, the money pooled in by a large number of people (or investors) is what makes up a Mutual Fund. This fund is managed by a Professional Fund Manager.
It is a trust that collects money from a number of investors who share a common investment objective. Then, it invests the money in equities, bonds, money market instruments and/or other securities. Each investor owns units, which represent a portion of the holdings of the fund. The income/gains generated from this collective investment is distributed proportionately amongst the investors after deducting certain expenses, by calculating a scheme’s “Net Asset Value or NAV”. Simply put, a Mutual Fund is one of the most viable investment options for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost.
Source: MutualFundSahiHai
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Fund Manager
Are fund managers necessary?
The answer is a huge, resounding YES! -
Net Asset Value
In simple words, NAV is the market value of the securities held by the scheme.
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Why Mutual Fund?
A diversified, professionally managed basket of securities at a relatively low cost.
Why choose Mutual Fund?
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Business Growth
Valuation and business analytic seds services industry.
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Sales of the Year
Our flat, non -bure aucratic allows Human Resource systems
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Risk for Growth
Drawing on seds of the consulting directly aligned.
Built-in Diversification
When you buy a mutual fund, your money is combined with the money from other investors, and allows you to buy part of a pool of investments. A mutual fund holds a variety of investments which can make it easier for investors to diversify than through ownership of individual stocks or bonds.
Not all investments perform well at the same time. Holding a variety of investments may help offset the impact of poor performers, while taking advantage of the earning potential of the rest. This is known as diversification.
Before you decide on a mutual fund, figure out how it fits with the rest of the investments you own and your overall financial goals.
Professional Management
You may not have the skills and knowledge to manage your own investments or want to spend the time. Mutual funds allow you to pool your money with other investors and leave the specific investment decisions to a portfolio manager. Portfolio managers decide where to invest the money in the fund, and when to buy and sell investments.
Easy to Buy & Sell
Mutual funds are widely available through banks, financial planning firms, investment firms, credit unions and trust companies. You can sell your fund units or shares at almost any time if you need to get access to your money. But you may get back less than you invested.
A wide range of funds to choose from
Mutual funds can be used to meet a variety of financial goals. For example:
- A young investor with a stable income and many years to invest may feel comfortable taking more risk to achieve greater potential return. They may invest in an equity fund.
- A mid-career investor trying to balance risk and return more moderately could invest in a balanced mutual fund that buy a mix of stocks and bonds.
- An investor approaching retirement might be less comfortable with risk and more interested in fixed income investments. They may invest in a bond fund.
Mutual funds... Right or Wrong?
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Fees: You must pay sales charges, fees and expenses regardless of how the fund performs, even if the fund has negative returns.
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Transparency: The fund’s holdings are only known to investors at certain points in time. And you don’t have any influence or control over specific investment decisions made by the portfolio manager.
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Pricing: With an individual stock, you can get real-time (or close to real-time) pricing information by checking financial websites or by calling your advisor or broker, and you can monitor changes in those prices as they move during the day. With a mutual fund, the price to buy or redeem your shares usually depends on the fund’s net asset value (NAV), which is generally calculated only once every business day, typically after the major Canadian exchanges close.
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