21. Mutual Funds 1: What is a Mutual Fund?
Mutual Funds explained in simple terms.
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I’m listening to a David Ramsey class, and he talks a lot about mutual funds and suggests them for long term investing. Would you agree? Any input?
Thank you very much. That helped a lot!
Yeah, well OK, I am a real “believer” in Ben’s fiat money system, so lets see if I can get me some worthless paper gold leasing contracts and some fiat credit swaps and get me some fake 30year Treasury notes, or maybe I should just drop off all my cash and silver bullion over at Blankfein’s place and,.. Oh well Fuck it!
I wouldn’t invest without a few months of thorough reading on the subject..
So I am a brand new invester with a chunck of change that I will have a professional friend invest in mutual funds, what do you recommend for some pre-investing research?
Sorry, I meant to say LOAD funds come with an expense to either buy (front end load) or the manager will take his fees out of the return of the fund (back end load).
A no load fund comes with an expense to either buy (front end load) or the manager will take his fees out of the return of the fund (back end load).
No load funds have neither, however,they come with an annual expense ratio. Anything under 1% expense ratio is good.
There are mutual funds that invest in more than just stocks. All one has to do is go to one of the mutual fund company’s website and see the securities held in each fund. Vanguard, fidelity are a good start. This video does not help much in my opinion.
nice..
how about explaining load vs. no load mutual funds, I’d like to learn more on that!
WOW! thank you so much for this! i can actually understand it now. the f*****g book i’m reading doesnt make any sense! thanks so much!!!
I understand what he has said but he didn’t emphasize on the risk factor. Like we have a global crisis at the moment. But if the domestic market is doing well then the global market, should we invest some where in the domestic market?
Hi there, c all fellows, 1st to understand abt mutual fund, mutual fund is pool of money,managed by professional,manage the risk by diversifing the amount, very simple. its not abt the stock market, it can be invested in anywhere, either in stock or in money market,money market is quite safe market, where ur money is safe as it is safe in bank, and u get more gain then the banks. same like others funds, which r not related to stock market. i hope that u understand now, wt the mutual fund is.
No time is a good time to invest in a mutual fund. Out of every mutual fund that you can possibly purchase, only 132 of them had a 10 year averaged annual return of at least 9.8% and only 364 of them made at least 0.00%. The rest (roughly 17,000) all lost money over the last 10 years. Nothing beats stocks and everything except for life insurance is better than a mutual fund.
I’ve got a better definition of what a mutual fund is. Its a waste of money. Period.
Learn somethink else
SP500?
Unfortunately I got pretty lost in there, I just turned 17 and recently learned about compounding interest. What I want to know is what is how often a Mutual fund Compounds? How can I invest in one? What is the APY? (does that even relate to this?)
The diversity of the mutual fund does make it less volatile than a single stock, however, in todays stock market, mutual funds are still very volatile investments.
Stay out of the market unless you really know what you are doing. Do not invest in stocks or mutual funds until it is clear that the economic crisis around the globe is over.
Stay in Treasury funds or CD’s.
I cannot stress how aweesome your comment is
Ada boy. Get into the game when you’re young. Rather then getting into drugs you getting into money. good stuff!
Do it! It is an awesome move to become investment savy at a young age. Heck, why not even get a job and invest some of your wages.
I am 15 years old and I would love to learn more about this stuff
Timing markets very very difficult – many people argue impossible consistently – clearly markets have gone down, what is less certain is next move (have gone down more). For core saving/investing approach for long term, dollar cost averaging (with smaller monthly sums for ex) bearing in mind impact of time (video/book), tax saving, index funds are all pot. things we can feel more comfortable about then timing market at any point in time. Hope this helps – best regards, Michael
Would now be a good time to invest in a mutual fund?
For God’s sake don’t touch your mutual funds!!! Although they’re losing value daily. To cash them in now would mean a substantial loss, WAIT! If you let them be you haven’t realized a loss. Besides, maybe they’ll increase in value as the market is a roller coaster. Of course, wealthy people scramble to jostle their assets. Like those on a sinking ship, the first-class passengers find their way to the life boats first while the crew mollifies the 2nd- & 3rd-class passengers with soft soap.
This is excellent…Keep up the good work!