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Individual Retirement Account (IRA) Investment - Mutual Funds

You are invested in Individual Retirementwhich includes management fees, distribution
Account (IRA) certificates of deposits and(12b-1) fees, and other expenses is expressed
bonds for your retirement. These areas  a  percentage  of  average  net  assets.
excellent investments; but you do not want
all of your IRA investments in just theseOn September 15, 2006, $10,000 was
type of savings because you can get locked inhypothetically invested among four mutual
with  low  annual  percentage  yields.funds that fill the above qualifications.
Here  are  the  current  results.
You want a much larger annual return on your
investment but with low risk. Your goal is toInvestment  as  of  September  15,  2006:
maintain a comfortable life style whether the
market  goes  up  or  the  market  goes down.•  $2,000.00  (114.92  shares) Balanced
A excellent IRA investment option is a Mutual• $2,500.00 (89.22 shares) Equity
Fund - the common name for an open-endIncome
investment company. Like other types of
investment companies, mutual funds pool money• $2,500.00 (139.60 shares) Multi-Cap
from many investors and invest the money inCore
stocks, bonds, short-term money-market
instruments, or other securities. Mutual• $3,000.00 (20.19 shares) Speciality:
funds issue redeemable shares that investorsHealth
purchase directly from the fund or through a
broker  for  the  fund.• $9,843.08 (actual total investment
-1.56%)  shares  purchased after initial fees
Including an IRA investment as part of your
portfolio, you want a mutual fund to meetAs of May 11, 2007, the total return on these
certain  conditions  such  as:funds is $11,201.51 11.20%. The combined
total return includes income and capital
1) Return over long-term (5 years) should begains that were distributed by these mutual
above the average CD yields. An example wouldfunds. If the distribution was not made and
be a mutual fund that provided an 8% averagenot reinvested, the total return would be
for 2002 through 2006. There is no guarantee$10,595.56  5.96%.
of past performance but it can help you
assess  the  fund's  fluctuation.Mutual funds are not guaranteed or insured by
the FDIC or any other government agency -
2) Risk should be minimal. The risk ratingseven if you buy through a bank and the fund
of mutual funds range from low to high. Riskcarries the bank's name. There is no
is a standard deviation of the return onguarantee of past performance and always
total  investment.contact the mutual fund and read the
prospectus  before  making  an  investment.
3) Distribution of income and/or capital
gains that the mutual fund gives itsMutual Interest Data Service was created
shareholders should be large. AllSeptember 26, 1999. The objective is to be an
distribution should be reinvested whichexclusive resource based on finding top
increases the number of shares owned. Takingmutual funds that 1) distribute large income
this action allows you not to be taxed forcapital gains and 2) maintain performance
the income or capital gains received. Yougrowth for a 5 year period. To validate this
acquire additional shares of the mutual fundniche, the above mutual funds model was
at a lower net asset value price because thecreated. You can see the actual distribution
share price is reduced by the amount ofand  reinvestment  for  these investments at
distribution.
This  article  is  free  for  republishing
4) Total Expense ratio should be low or
should not exceed the average of other mutualSource:
funds serving the same investment
classification. The total expense ratio isOccupation: Founder of Mutual Interest Data
the fund's total annual operating expensesService, Ltd.



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