The Best Investment Management For You in 2010 & Beyond

The best investment management can be pricey,mutual fund. The cost of investing directly
but you can get the best investmentreduces your investment returns or profits. For
management in 2010 and beyond that isexample, let's look at the most popular funds,
affordable for less cost than you think. The truthstock funds.
is that in the investment world you don't alwaysThe stock market has historically returned on
get what you pay for. Here's how to get theaverage about 10% a year over the past 80
best investment management at the best price.years or so. The average stock fund DOES NOT
There are at least 3 myths in the world ofbeat the stock market... especially after charges
investment management. One, that rich folks getand expenses are included. If you pay 5% in sales
the best management and always make money.charges off the top when you invest (like many
Two, that investors get what they pay for.people do), that's money right out of your pocket
Three, that average people can't affordthat never gets invested. If you sign a "service"
professional money management. The truth ofagreement with an investment professional it
the matter is that very few investment adviserscould cost you 2% a year, plus fund expenses
or managers consistently outperform the marketcan tack on another 2% a year if you invest in
averages; and fewer yet do so and make profitsthe wrong one.
for their clients every year.The good news is that you do not need to sign
For example, rich folks (qualified investors) oftenand pay for a separate service agreement; or
pay 2% a year plus 20% of profits to investpay any sales charges at all to invest in mutual
money in a HEDGE FUND. Sometimes they getfunds. You only need to pay for yearly fund
great investment returns, and often they don't.expenses. The best investment management in
Sometimes the rich get scammed by money2010 and beyond: no-load mutual funds. Your total
management organizations that somehow flycost of investing can be less than ½% a
under the radar of government regulation as well.year. This pays for professional money
The best investment management at the bestmanagement and fund expenses; and is
price for average investors can be found inautomatically deducted each year from your
MUTUAL FUNDS (not to be confused with hedgeinvestment.
funds)... but not all funds or fund companies qualifyI suggest you start the new decade out right and
as your best bet. They are all highly regulated bysearch "no load funds" on the internet. Likely, the
the government and provide money managementfollowing three names will appear near the top of
services to the public. They all try to beyour search results: Fidelity, Vanguard, and T
competitive and make good returns for theirRowe Price. All three of these fund companies
investors, because it's in their own best interest.have risen to the top over the years by working
Good performance attracts more investordirectly with investors providing good, low-cost
money; and the more money a fund companyservice.
manages the more management fees theyDon't throw your investment dollars away. Extra
collect.charges and expenses simply eat away at your
But no fund company outperforms thepotential investment profits. You don't always get
competition significantly on a consistent basis yearwhat you pay for. Sometimes you get more; if
after year. It's almost impossible to do. So, what'syou know where to find the best investment
the real difference and how do you find your bestmanagement at the best price. Now, in my
bet? You look at what it costs you to invest in aopinion, you do.