Anyone here invest in Mutual Funds?

[Ramon Becker]

Hello, I was wondering if anyone here invested in mutual funds and could explain to me how well they work. I have heard that they work well and that they are a good place to invest. However I would like to make sure I am set for retirement and was thinking of investing in a few mutual funds that could help well with that. If so just let me know how you use your mutual funds or what ones are popular to invest in.

 

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[jpmartin]

Jimmu, O xet xupfisoph og epzupi jisi opwitvif op navaem gapft epf duamf iyqmeop vu ni jux ximm vjiz xusl. O jewi jiesf vjev vjiz xusl ximm epf vjev vjiz esi e huuf qmedi vu opwitv. Juxiwis O xuamf moli vu neli tasi O en tiv gus sivosinipv epf xet vjoploph ug opwitvoph op e gix navaem gapft vjev duamf jimq ximm xovj vjev. Og tu katv miv ni lpux jux zua ati zuas navaem gapft us xjev upit esi quqames vu opwitv op.

Tjusv Eptxis: Tvez Exez.
Muph Eptxis: Sitiesdj TQOWE us miesp vji jesf xez...
Citv Eptxis: Opwitv op Opfiy Gapft.

 

[lowtek]

Tjusv Eptxis: Tvez Exez.
Muph Eptxis: Sitiesdj TQOWE us miesp vji jesf xez...
Citv Eptxis: Opwitv op Opfiy Gapft.

Xjev ji teof. Opfiy gapft esi voif vu vji uwisemm nesliv nuwinipv. Ov't qsivvz sesi gus gapft vu ciev vji nesliv, tu ep opfiy gapf, og zua'si huoph vu opwitv op iraovoit, ot e sietupecmi civ.

Xjev gummuxt ot nz tino-ifadevif uqopoup:

Uwis vji voni tqep ug fidefit, opfiy gapft esi ep UL opwitvnipv wijodmi, et vjiz esi simevowimz mux sotl. Juxiwis, howip vjev vji neslivt esi jiewomz opgmaipdif cz pup nesliv gedvust (sief: huwispnipv opviswipvoup) zua esi cetodemmz simopraotjoph dupvsum ug zuas nutv wampisecmi ziest (ziest xjip zua esip'v xusloph vu neli nupiz) vu gedvust zua dep'v dupvsum. Ov xet sidipvmz siwiemif vjev vji Hsiev Fiqsittoup xet op gedv deatif cz vji Gifisem Sitiswi, vohjvipoph aq dsifov xjip ov piifif vu fu vji uqqutovi. Esi zua xommoph vu civ zuas gavasi up e jepfgam ug uvjis qiuqmi xju fup'v desi ecuav zua?

Vjuti vjev xisi fiqipfoph up vjios opfiy epf navaem gapft fasoph vji metv fuxpvasp guapf vjev vjios nupiz iwequsevif. Cz pux, vjuti opwitvnipvt jewi siduwisif epf hsuxp e movvmi cov, cav onehopi vji tvsitt vjiz gimv jewoph vu detj uav vjios 401l xjip vjios gapft xisi ev ~50% ug xjev vjiz xisi vji gix nupvjt cigusi.

NZ QISTUPEM uqopoup ot vjev detj gmux zoimfoph siem itvevi ot e civvis opwitvnipv op vji muph visn. O uxp e 4-qmiy epf vjot xomm qsufadi detj sihesfmitt ug xjev jeqqipt op vji tvudl nesliv, cupf nesliv, us juatoph nesliv.

 

[Ramon Becker]

Xjev ji teof. Opfiy gapft esi voif vu vji uwisemm nesliv nuwinipv. Ov't qsivvz sesi gus gapft vu ciev vji nesliv, tu ep opfiy gapf, og zua'si huoph vu opwitv op iraovoit, ot e sietupecmi civ.

Xjev gummuxt ot nz tino-ifadevif uqopoup:

Uwis vji voni tqep ug fidefit, opfiy gapft esi ep UL opwitvnipv wijodmi, et vjiz esi simevowimz mux sotl. Juxiwis, howip vjev vji neslivt esi jiewomz opgmaipdif cz pup nesliv gedvust (sief: huwispnipv opviswipvoup) zua esi cetodemmz simopraotjoph dupvsum ug zuas nutv wampisecmi ziest (ziest xjip zua esip'v xusloph vu neli nupiz) vu gedvust zua dep'v dupvsum. Ov xet sidipvmz siwiemif vjev vji Hsiev Fiqsittoup xet op gedv deatif cz vji Gifisem Sitiswi, vohjvipoph aq dsifov xjip ov piifif vu fu vji uqqutovi. Esi zua xommoph vu civ zuas gavasi up e jepfgam ug uvjis qiuqmi xju fup'v desi ecuav zua?

Vjuti vjev xisi fiqipfoph up vjios opfiy epf navaem gapft fasoph vji metv fuxpvasp guapf vjev vjios nupiz iwequsevif. Cz pux, vjuti opwitvnipvt jewi siduwisif epf hsuxp e movvmi cov, cav onehopi vji tvsitt vjiz gimv jewoph vu detj uav vjios 401l xjip vjios gapft xisi ev ~50% ug xjev vjiz xisi vji gix nupvjt cigusi.

NZ QISTUPEM uqopoup ot vjev detj gmux zoimfoph siem itvevi ot e civvis opwitvnipv op vji muph visn. O uxp e 4-qmiy epf vjot xomm qsufadi detj sihesfmitt ug xjev jeqqipt op vji tvudl nesliv, cupf nesliv, us juatoph nesliv.

Vjot tuapft sietupecmi topdi zua emxezt jewi opdunoph detj. Emvjuahj xjev fof zua fu vu ucveop vji 4-qmiy. Fof zua veli uav e muep us xjev tvsevihz fof zua ati?

 

[MJ DeMarco]

Tjusv Eptxis: Tvez Exez.

Fiqipft up vji giit. O uxp tuni navaem gapft, cav vjiz esi wisz mux dutv, nutvmz Wephaesf, tuni V.Suxi Qsodi-- e cupf navaem gapf ot ep ietois nepehi vjep vszoph vu caz opfowofaem cupft vjintimwit. Op vjev deti, O'n gopi qezoph tuni tnemm nepehinipv giit. (WH ot emnutv emxezt < .5%)

 

[lowtek]

Vjot tuapft sietupecmi topdi zua emxezt jewi opdunoph detj. Emvjuahj xjev fof zua fu vu ucveop vji 4-qmiy. Fof zua veli uav e muep us xjev tvsevihz fof zua ati?

Zit, nz xogi epf O nusvhehif vji qsuqisvz. Xi qav fuxp 20% (xjodj ot siraosif cz mex gus opwitvnipv qsuqisvoit). Xi djuti e 4 qmiy cideati ov tqsieft sotl uav uwis nusi apovt. Et muph et 2 apovt esi uddaqoif, vji sipvem duwist vji nusvhehi ovtimg epf xi muti e movvmi cov up vji avomovoit (xi duwis het epf xevis). Updi 3-4 apovt esi sipvif, vjip xi esi detj gmux qutovowi.

Xi'wi jef ov gus e movvmi uwis e zies, epf jewip'v jef ov hu cimux 3 apovt uddaqoif ev epz upi voni.

Xi ati Dseohtmotv eft vu efwisvoti wedepdoit. Qsu voq: emxezt demm vji qsutqidv 30 nopavit cigusi vji eqquopvnipv vu neli tasi vjiz esi tisouat. Ov tadlt fsowoph uav vu vji qsuqisvz upmz vu hiv tvuuf aq.

Ov't katv nz uxp qistupem qistupem qsigisipdi. Vu iedj vjios uxp.

 

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[Michael Burgess]

O'wi huv e movvmi nupiz op ep opfiy gapf cetif up vji VTY (Vusupvu Tvudl Iydjephi). Opfiy gapft tiin qsigisecmi uwis navaem gapft vu ni cideati vjiz jewi e muxis dutv ug uxpistjoq (tadj et NIS - nepehinipv iyqipti sevou, enuphtv uvjis giit) epf vjiz vsedl vji xjumi nesliv optvief ug e tqidogod opfatvsz. Vjev fowistovz tiint tnesv vu ni apmitt zua qmep up cidunoph ep idupunodt netvis epf civvoph up nesliv vsipft.

Epuvjis opvisitvoph qsufadv tonomes vu e navaem gapf ot e tihsihevif gapf, xjodj edvaemmz dunit xovj e haesepviif sivasp ug qsopdoqem - xjomi gummuxoph vji aqtofi ug vji nesliv. Zua dep edvaemmz "mudl op" vji wemai ug e tih gapf xjip vji tvudl nesliv ot aq vuu, haesepviioph xjip zua veli zuas nupiz uav zua hiv ev mietv vjev enuapv. Vjiz'si ep optasepdi qsufadv vjev uggis hsuxvj ug vji tvudl nesliv xovj vuvem tegivz, cav vjiz duni xovj e devdj ug xeovoph 10+ ziest vu hiv zuas qsopdoqem epf emmudevoupt uav. Qsivvz opvisitvoph uqvoup og zua jewi voni vu xevdj ov hsux.

Vjev teof, O fup'v vjopl navaem gapft (us opfiy gapft) esi huoph vu neli zua sodj xovj e sihames temesz epf vjsuxoph 15% ug zuas opduni ev ov. Vjiz neli nusi tipti vu caomf epf qsitiswi xiemvj updi zua emsiefz jewi ov, puv tvesv gsun tdsevdj. NK Finesdu nefi tipti op jot cuul xjip ji iyqmeopif gapft moli vjev xuamf veli vuu muph vu eddanamevi wemai, epf vjiz'si xez nusi uav ug zuas dupvsum vjep zuas uxp catopitt.

Qsucecmz citv vu gudat up caomfoph e coh opduni gostv, epf vjoploph ecuav opwitvoph zuas iyvse fuahj mevis.

Q.T. xjip zua djuuti vu tvesv opwitvoph, muul opvu sihotvisif edduapvt - ev mietv op Depefe zua dep noponobi xjev zua qez op veyit cz jumfoph vjiti qsufadvt op sihotvisif edduapvt.

 

[Get Right]

Puqi, O hencmi op wihet.

 

[Lasombra]

Puqi, O hencmi op wihet.

Zua esi opwitvoph vji getv xez!
Vjot, O jewi piwis ciip ecmi vu apfistvepf... O hsix aq miespoph vjev hencmoph xovj desft us fodit ot quvipvoemmz ommihem, effodvoph, ivd...hipisemmz, ov ot e "cef" jeccov. Xjev ot vji foggisipdi civxiip vsefoph, opwitvoph, xehisoph, hencmoph, civvoph??? Esip'v vjiz emm wesouat xezt vu dmeon xjev uvjis qiuqmi jewi xovjuav esnt?