| If you are a baby boomer, time is not on your | | | | and use an index fund that tracks well known |
| side. Many baby boomers see retirement age fast | | | | indexes like the S&P 500, Nasdaq100, and |
| approaching with little to nothing in the way of | | | | Wilshire 2000. |
| retirement assets that will allow them to actually | | | | Index funds that track any of the major indexes |
| retire and live a comfortable lifestyle. | | | | are just taking advantage of the concept of |
| With the benefit of time in short supply, | | | | diversification. The only remaining risk is whether |
| substantial investment performance in a shorter | | | | the entire market goes up or goes down and one |
| than normal time frame becomes strikingly | | | | can switch to a fund that is designed to profit |
| important. | | | | from a down market when such action is called |
| Mutual Fund Advice | | | | for. |
| A case could be made that a special type of | | | | There are very few active investment managers |
| mututal fund, an index mutual fund, in conjunction | | | | that outperform index funds or exchange traded |
| with careful market trend analysis (not predictive | | | | funds over a five year or greater period. This is |
| market timing) could be used to achieve higher | | | | why an index fund is recommended in the case |
| returns faster than a standard mutual fund. | | | | of baby boomer-aged investors who need stellar |
| As to the specific type of index fund to consider | | | | performance over shorter time frames. |
| using, investors woulddo well to "keep it simple" | | | | |