GoldenGate Fund

The mutual fund industry is enormous. The Investment Company Institute (ICI), a trade organization representing mutual fund providers, cites more than 8,300 U.S.-based mutual funds, with combined assets of about $8 trillion as of end-March 2005. And worldwide, there are about 54,986 mutual funds, with assets totaling about $16 trillion, according to the ICI. With so many funds to choose from, selecting one can be a real challenge. Building and monitoring a diversified portfolio can be an overwhelming burden. To ease this burden, the industry has created the mutual fund advisory program, also known as the mutual fund wrap. How It Works The mutual fund advisory program comes in two versions...

In financial terminology, stock is the capital raised by a corporation, through the issuance and distribution of shares. A shareholder is any person or organization which holds shares, or fractions of shares, of a corporation's stock. The aggregate value of a corporation's issued shares is its market capitalization. In the United Kingdom, the word stock has a completely different meaning in finance, referring to a bond. It can also be used more widely to refer to all kinds of marketable securities. However, the usage of "share" (as in the stock issued by a corporation) is the same. The owners of a company may want additional capital to invest in new projects within the company. They may also...

"So many investors are tired of watching their retirement accounts dwindle away from the lackluster performance of the stock market, while the value of their home and surrounding areas increase in the double digits," said Marco Caporale, President and CEO of Independent Executive Management, LLC. Although using your retirement account to purchase real estate does offer the potential for two to three times the annual appreciation of traditional stocks, it does come with a lot of regulations and severe penalties, if not correctly applied. That is why the right account has to be set up, the rules have to be followed and a good custodian can help. It is not difficult and it can be done and many are...

Although common, the term 'the stock market' is a somewhat abstract concept for the mechanism that enables the trading of company stocks. It is also used to describe the totality of all stocks and sometimes other securities, with the exception of bonds, commodities, and derivatives. The term is used especially to apply within one country as, for example, in the phrase "the stock market was up today", or in the term "stock market bubble". Bonds are still traditionally traded in an informal, over-the-counter market known as the bond market. Commodities are traded in commodities markets, and derivatives are traded in a variety of markets (but, like bonds, mostly 'over-the-counter'). The size of the...

Just as it is important that networks for transport, electricity and telecommunications function properly, so is it essential that, for example, payments can be transacted, capital can be saved and channeled to the most profitable investment projects and that both households and firms get help in handling financial uncertainty and risk as well as possibilities of spreading consumption over time. Financial markets constitute an important part of the total infrastructure for every society that has passed the stage of largely domestic economies. The financial system performs three main tasks: first, it handles transfer of payments; second, it channels savings to investments with a good return for...

Although I wouldn't call myself a professional stock market investor, I do spend a lot of time following the market and reading about the ups and downs of companies. I've never been interested in mutual funds or index funds very much as I would much rather invest in individual companies. My work allows me plenty of time to indulge in my stock market obsession though, so I understand that not everyone can put in the hours of research required to invest in individual stocks. Over the years I have made enough mistakes and have had enough successes to learn enough about investing in stocks to have developed my own set of rules. These are general investing tips that can easily be adapted to most styles...

1. You get full-time, professional money management. Most people do not have the time or skill to select and monitor individual stocks and bonds. 2. You get reduced risk through diversification because a mutual fund owns many stocks or bonds. You can also pick your level of market risk by choosing particular types of funds (e.g., money market funds to insure your principal will not drop in value, bond funds if you want current income and some stability in your portfolio, stock funds if you want your money to grow over the long term.) 3. You will earn competitive returns on your investment. Mutual funds can furnish the kinds of returns you need to reach your goals. In fact, by choosing an index fund...

For a majority of people, mutual funds should be a major part of their investment portfolio--unless they have a lot of money and ample time to devote to investing in individual securities. While there are arguments for buying stocks and bonds directly, consider buying mutual funds first, or at least use them as a core holding, because of the following drawbacks to individual stock and bond picking and trading: First, a great deal of time and expertise is required to analyze a company—its prospects for earnings growth, its performance over the short and long term in comparsion to its competitors, its debt level and creditworthiness, its new products in the pipeline, and technological changes...

With tens of thousands of funds available and hundreds of fund families, it is fully expected that mutual funds will merge fairly often. Unlike many non-investment products, mutual funds live and die by their performance, plus the investing world profits off efficiencies—where even a tenth of a percent can make a big difference. Even with those factors in mind, you should be concerned about any fund you own that is merging. Why Mutual Funds Merge There are many different reasons for fund mergers. Often they are due to fund company mergers or buy-outs. Other times a fund may merge to cover up past performance, to make up for low assets or are no longer the flavor of the week. In 2005, over...

The Child Trust Fund (CTF) is a long-term savings and investment plan set up by the Government to encourage you to save for your children's future. Applicable for all children born after 1 September 2002 and living in the UK, an initial £250 sum is paid out at birth (£500 if your household income is below £14,495)xfollowed by an additional £250 when your child turns seven. In addition to the money paid into this account by the Government, you, your family and friends can contribute up to £1,200 each year. Your children's voucher can be invested in one of three types of accounts: Cash, Stakeholder or Shares. Cash Accounts operate much like savings accounts, with interest earned on the...

The media has no trouble telling you what funds to buy and when, but finding advice on when to cut a fund loose is much harder to come by. Sometimes parting with a mutual fund can be a difficult task. Other times it can be quite easy. More often than not, investors tend to sell their mutual fund holdings for the wrong reasons. So before you make a hasty decision, please read the following list of the correct reasons to sell a mutual fund investment: You Need the Money Sometimes there will be circumstances in your life when you must sell your investments. It is important for you to weigh out alternatives to selling your investments because it could really hurt you in the long term (see "The Power of...

A load is simply a charge for buying (or sometimes for selling) shares in a mutual fund. That chunk of money, which can go as high as 8.5 percent, will come straight out of your investment, with all or part of it going to the broker or advisor who sold you the fund. "When I first began investing I needed advice and paid for it by buying funds with loads. It always took a while for a fund to make up for the cost of the load." --DSB "I've bought both load and no load funds. The loads are well worth it for the advice I get because I cannot afford to pay an advisor an hourly fee." --Jennifer W. "I have never bought a load fund because I want to keep 100 percent of my money working for me. The catch with...

Mutual funds really captured the public's attention in the 1980s and '90s when mutual fund investment hit record highs and investors saw incredible returns. However, the idea of pooling assets for investment purposes has been around for a long time. Here we look at the evolution of this investment vehicle, from its beginnings in the Netherlands in the eighteenth century to its present status as a growing, international industry with fund holdings accounting for trillions of dollars in the United States alone. In the Beginning Historians are uncertain of the origins of investment funds; some cite the closed-end investment companies launched in the Netherlands in 1822 by King William I as the first...

Why do we ingest poisons to strengthen our body?A Canadian class-action lawsuit has been launched against Pfizer Inc. alleging that its arthritis drug Celebrex caused cardiovascular side effects, the law firm launching the suit said Friday."Merchant Law Group included Pfizer's Bextra in its suit and also named Boehringer Ingelheim, Germany's largest pharmaceutical firm, for its Mobicox, in the same class of drugs.So why do we put these pills into our body? Why do we continue to take the pills until they are proven horribly awful for our health, and then we take the next, newest pill?Is it possible that the solutions to our health issues may go beyond the answers that are available in a simple bottle...

You must have read this statement many a times in the TV commercials and also on the form that you must have filled and wondered what does this line mean. Let me tell you this line means. I do agree that the mutual funds are subject to market risk but that market risk if you go to consider is very minimal. Thanks to the stringent regulations employed by SEBI (Stock Exchange Board of India).. Please note that mutual funds do not provide any guarantee of returns or capital (initial amount you invested). Mutual funds are a good place to start because they offer you the opportunity to diversify quickly into a range of investments Hence, nobody can assure you of returns, or even not suffering losses...

The ever increasing number of investment products and financial services in the marketplace today can be confusing. We have put together this glossary of financial definitions designed to help you understand some of the more common investment and financial terms you may encounter. Your financial advisor can explain these terms more completely and discuss with you those which are relevant to your situation.Face Value - The value of a bond that appears on the face of the bond, unless the value is otherwise specified by the issuing company. Face value is ordinarily the amount the issuing company promises to pay at maturity. Face value is not an indication of market value. Sometimes referred to as par...

While the average taxpayer will avoid thinking about income taxes until the approach of the April deadline forces him to do so, once the ball drops on One Times Square at midnight on December 31st and the New Year is rung in there is very little that can be done to cut your tax bill.However, during the last two months of the year you can do a great deal to reduce your tax liability.Sit down with paper and pencil and list your anticipated income for 2005 and all your allowable deductions to date. What you want to do is, using your 2004 return as a guide, prepare a projected 2005 return. Once this is done you can decide what steps to take to make sure you pay the absolute least amount of federal and...

Are you choking when it comes time to close the sale? Here are some approaches that will make it easier. Shakespeare might have put it this way: To close or not to close, that is the question! Whether 'tis nobler to suffer possible rejection Or to invite the prospect to take action... Independent Professionals have suffered the angst of closing ten thousand times more than Hamlet has recited his famous soliloquy on stage. Two reasons: 1) Fear of rejection and 2) Not knowing exactly what to say when closing. The good news is that, if you understand number two, number one lessens considerably. In this article I'm going to share several closes for various selling situations. First, imagine that you've...

In every national budget, there is a part called "Public Procurement". This is the portion of the budget allocated to purchasing services and goods for the various ministries, authorities and other arms of the executive branch. It was the famous management consultant, Parkinson, who once wrote that government officials are likely to approve a multi-billion dollar nuclear power plant much more speedily that they are likely to authorize a hundred dollar expenditure on a bicycle parking device. This is because everyone came across 100 dollar situations in real life - but precious few had the fortune to expend with billions of USD.This, precisely, is the problem with public procurement: people are too...

Many new over zealous investors will tie up almost all their liquid assets into their stock portfolios, leaving little money for those unexpected costs of life like car repairs, doctors bill, or an increase in property taxes. When an investor over extends himself he has very little choice but to do into his portfolio and sell stocks at a financial lost to that he has the funds available to afford and pay for immediate items. Lack of cash flow can be extremely stressful. However, over extension is easily avoided by the establishment budge and of an emergency cash fund.When developing an investment plan, budget is everything. Only after you know how much money you spend each month will you be able...

Child Discipline is the cornerstone of creating a happy, healthy home, but most parents don't know the difference between discipline and punishment. What is discipline and how does it differ from punishment?First, let's take a look at punishment because this is what most parents use at home. Punishment involves blaming, shaming, screaming, spanking, slapping, ranting and raving in order to make a child compliant. Although these techniques may temporarily stop a child in his tracks, they do not teach him how to make good choices, feel good about himself or grow into a moral human being.On the other hand, child discipline is about guiding a child to make healthy choices on his own. Such techniques...

Mutual fund is a corporate body, which works as an intermediary and invests in financial markets. Mutual funds collect money from the public and invest in financial instruments like equity, government securities, bonds, debentures etc.Investing through mutual funds is good for people who do not have much knowledge about the financial markets. Instead of burning the fingers in the stock market, investing in mutual funds does make sense. There are various types of mutual funds available for investment. There are different types of mutual funds available, like, a fund, which invests only in Pharmaceutical companies, is called as Pharma fund and the mutual fund companies name the funds on their own. The...

Mutual funds are taced at long term capital gains rate right? Wrong. There seems to be some confusion to how mutual funds are taxed. What you need to know is there are distributions on mutual funds that are taxable. These are called annual distributions and are made in late November and early December. These distributions, if the fund has any gains, are taxed at either ordinary income or long term capital gains tax.This is where the anti-annuity crowd usually steps in and says mutual fund tax treatment is so much better than variable annuities, is this true? It is not. You have 3 taxes with mutual funds, the short term distributions (distributed usually every year), long term capital gains...

Mutual fund is a corporate body, which works as an intermediary and invests in financial markets. Mutual funds collect money from the public and invest in financial instruments like equity, government securities, bonds, debentures etc.Investing through mutual funds is good for people who do not have much knowledge about the financial markets. Instead of burning the fingers in the stock market, investing in mutual funds does make sense. There are various types of mutual funds available for investment. There are different types of mutual funds available, like, a fund, which invests only in Pharmaceutical companies, is called as Pharma fund and the mutual fund companies name the funds on their own. The...

Many new over zealous investors will tie up almost all their liquid assets into their stock portfolios, leaving little money for those unexpected costs of life like car repairs, doctors bill, or an increase in property taxes. When an investor over extends himself he has very little choice but to do into his portfolio and sell stocks at a financial lost to that he has the funds available to afford and pay for immediate items. Lack of cash flow can be extremely stressful. However, over extension is easily avoided by the establishment budge and of an emergency cash fund.When developing an investment plan, budget is everything. Only after you know how much money you spend each month will you be able...

Royalty trusts, in Finance, are classic flow-through investments vehicles. The trust, like a mutual fund, holds a portfolio of assets, which can be anything from producing oil and gas wells to power generating stations to interests in land. The net cash flow, i.e. the total cash flow minus revenues, is passed on to the unit-holders as distribution.The purpose of a Real Estate Investment Trusts is to reduce or eliminate corporate income taxes. In the United States, where they are generally more widespread as investment vehicles, Real Estate Investment Trusts pay little or no federal income tax but are subject to a number of special requirements set forth in the Internal Revenue Code, one of which is...

Mutual fund is a corporate body, which works as an intermediary and invests in financial markets. Mutual funds collect money from the public and invest in financial instruments like equity, government securities, bonds, debentures etc.Investing through mutual funds is good for people who do not have much knowledge about the financial markets. Instead of burning the fingers in the stock market, investing in mutual funds does make sense. There are various types of mutual funds available for investment. There are different types of mutual funds available, like, a fund, which invests only in Pharmaceutical companies, is called as Pharma fund and the mutual fund companies name the funds on their own. The...

Grammar speaks of events occurring in three plains. The past was, the future will happen, and we live now, the present. However, operating in the information age, the age of instant global communication, makes the future now. Gates [1] wrote we are citizens of an information society. He noted that past generations, and past societies found ways to gather information, get more work done, increase life spans, and improve their standards of living. Time was not as critical in those past ages. A message from a ruler may take months to arrive by sea courier. The Pony Express was six days. Airmail was cross-country overnight. The time span between thought and action are virtually unidentifiable today...

The Infiniti brand of vehicles has been known and famous for the luxury that all its vehicles have. And aside from this, Infiniti vehicles are also sporty. And behind this unique vehicle brand is the Nissan Motor Corporation.Despite the fact that the year is still starting its second half, Infiniti has already made sure that they have all their vehicles ready for the next model year...