Fund Hot News

One of the reasons the search engines may be bogged down in Mutual Fund search traffic is that no one can actually find the product that they advertise about themselves.

The UNfounded Hype surrounding Mutual Funds is fantastic, millions and millions of Google searches per month indicate how many people consider this a simple way to quickly diversify, hedge and profit. But is it true? Let’s take a look.

It is widely accepted that “Mutual Funds are a simple way to diversify your assets.” -Don’t kid yourself, most of them are sector driven, in other words, instead of owning some stock in a coal company you own shares in a company that owns stock in ten coal companies. This is hardly diversified.

But then, investing in a massive Mutual fund that owns other smaller ones is the answer, right? No. You are still not diversified. Even the massive ones are not usually international, they are confined to one market or Country. If the market tanks or the Country’s currency tanks, you will feel very inadequately diversified. Continue reading ‘Top Performing Mutual Funds, the Answer to All Your Woes?’ »

Experienced mutual fund salesmen concentrate their sales pitch on doctors, dentists, pilots, other professionals and other self-employed. These are the traditional soft touches for a stock investment. (For what ever reason, doctors always seem to get into the worst business deals and I might add – pilots as well.). Years ago one of the most appealing angles of the professional-directed mutual fund story was the extra advantage of getting into one of the group insurance policies the funds offer.

This was especially intriguing to the individual who has thus far failed to benefit from this excellent form of cheap insurance. What you must watch out for, however, is this: Not all “group insurance” is alike. Always insist on a sample policy. Read it and see what you’re getting. Always become educated on any investment. Continue reading ‘Are You a Target of Mutual Fund Salesmen?’ »

The Conservative party believe that poorer families are not benefiting from the child trust fund. The have said the majority of children who will benefit from the Labour introduced scheme will be those from wealthier families. This is based on statistics stating that 82% of parents who live in the richest ten areas of the UK have set up CTF accounts for their children, but fewer than 70% of those residing in the poorest ten areas have.

What are the reasons for this? It theory it is they who should be more keen to take advantage of the scheme as they could do with more government assistance. The Tories claim that many are unaware of the existence of the scheme, therefore suggesting that the government has done a poor job of publicizing it and educating people to its benefits. Continue reading ‘Poorer Families Not Benefiting From Child Trust Fund’ »

What is an exchange-traded fund (ETF)?

An ETF Investment is an exchange-traded fund, a type of investment vehicle traded on stock exchanges. ETF stocks are traded like single shares, with the prices moving throughout the day.

An ETF typically holds assets such as stocks (typically a mixture of investments in unit trusts and investment trusts) or bonds. Many ETFs in fact track an overall index, such as the S&P 500 or MSCI EAFE. An ETF’s overall value is usually around the same price as the net value of the asset value of its underlying assets; if it is tracking an overall index, its value typically moves in line with changes in that index. Only “authorized participants” (typically large investors) are actually permitted to deal directly with the ETF in terms of buying or selling shares from or to the fund manager. Such transactions usually involve the purchase or sale of “creation units” (i.e. groups of tens of thousands of ETF shares. Individual investors then go through these “authorised participants” to buy ETF stocks and to formulate their ETF trading strategies. Continue reading ‘ETF Investment – What is it and How Does it Work?’ »

Regardless of if you are about to retire, or have just launched your career, it’s essential that you spend some time thinking about how you’re going to fund your retirement. To do this, there are two key questions you need to ask yourself: How much money am I going to have when I retire, and how would I like to receive that money?

The most common way to determine how much money you’ll have is to use a pension calculator. Based on information you input about such things as your current salary, your savings and how long you have left until you retire, such a tool will be able to calculate how much money you can expect to receive when you do finally call time on your working life. Not only that, but it’s also a great tool for allowing you to see if you need to adjust the amount you’re saving towards your pension now, in order to have an adequate sum for your retirement. Continue reading ‘How Will You Fund Your Retirement?’ »

As an alternative to target retirement date or risk based mutual funds, many open architecture 401(k) providers allow retirement plan advisors to create their own managed models for inclusion within a plan’s investment menu. One of the reasons for doing so is the ability to create an asset allocation strategy that utilizes investments from multiple investment managers. A number of these advisor-managed models often include a passive investment component, i.e., index mutual funds. The popularity of these ‘passively managed’ offerings–beyond their ability to consistently generate market-like returns–lies in their relatively low cost.

Continue reading ‘ETF vs Index Fund’ »

For parents or grandparents, there are few things in life more important than funding for a loved one’s college education.

Throughout the years, folks have selected mutual funds as the primary vehicle when saving for college costs. Although there are many variations of mutual fund based plans-from the traditional brokerage account to the newer 529 plans; there is even a Education IRA that is popular as well. The latter plans were developed so that a person could save for college, using after tax money and based upon the underlying mutual funds, the person could enjoy tax-deferred savings Continue reading ‘Help Fund a Loved One’s Education’ »

This fund was launched by the SBI mutual fund, to give the investors, a high opportunity for growth. It is one of the 5 Magnum Sector Funds umbrella launched by SBI. The funds were mostly invested in the equities which is a high risk investment. Only 0 to 10% of the funds were invested in other money markets.

SBI contra fund is a open ended equity scheme which invests in equities which are out of favour in the market. This fund was launched in 1999, with a minimum application amount of Rs 3000. There is no entry load for investing in this fund. But if you withdraw your fund within one year of investment, then you will be charged 1% of the amount as exit load. If you withdraw your amount after one year, then you will not be charged any exit load.

Continue reading ‘SBI Mutual Fund Systematic Investment Plan’ »

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Systematic investment plans are a systematic and disciplined approach to investment and wealth creation. Instead of making a large investment at one time, in SIP you can invest small sums at regular intervals thus creating a habit of regular savings. If you are a big spender and find your expenditures are more than your earnings then go for SIP mutual funds. This will force you to spend at least some part of your earnings every month. Mutual funds are a very safe way of investing money and SIP mutual funds are even better. These are perfect solutions to most of us who cannot afford to make a large investment at one go. This is a good way to save for your child’s education, marriage or comfortable retirement for you and your spouse. The lowest start up investment amount is 500 rupees per month which is affordable by most people.

State Bank of India is one of the most trusted public sector banks in India. If you are a beginner in investment then SBI SIP plans may be good option for you. Here are some SBI SIP mutual funds available.

Continue reading ‘SBI SIP Mutual Fund Details’ »

Regardless of if you are about to retire, or have just launched your career, it’s essential that you spend some time thinking about how you’re going to fund your retirement. To do this, there are two key questions you need to ask yourself: How much money am I going to have when I retire, and how would I like to receive that money?

The most common way to determine how much money you’ll have is to use a pension calculator. Based on information you input about such things as your current salary, your savings and how long you have left until you retire, such a tool will be able to calculate how much money you can expect to receive when you do finally call time on your working life. Not only that, but it’s also a great tool for allowing you to see if you need to adjust the amount you’re saving towards your pension now, in order to have an adequate sum for your retirement. Continue reading ‘How Will You Fund Your Retirement?’ »