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  • Which of the American Fund mutual funds should I be in?

    Posted by admin on January 13th, 2009 and filed under aggressive growth funds | 3 Comments »

    I am 37 and want to invest aggressive growth.

    That is excellent. American funds does have agressive growth funds. Perhaps the most aggressive is the Small Cap World Fund. It also coincedently also has one of the best performance records over a 5 year period. 13.2% including front end load. Another is New World Fund. It has even a better performance record.20.5% 5 year annual return. Both are aggressive.

    Personally, I think it would be a mistake to put all of your money into either of those funds. Maybe 20% would be appropriate. Aggressive funds have a very bad habit of suffering sever drops from time to time. So sever in fact that it will make you swear off investing for ever. Maybe 30% in Capital Income Builder. Maybe 30% in Fundamental Investors. Maybe 20% in Income Fund.

    Over the long term that should give you an excellent return and allow you to sleep better during bear markets.

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    Is there a ticker online that I can get for Funds rather than individual stocks?

    Posted by admin on January 11th, 2009 and filed under aggressive growth funds | 1 Comment »

    I have invested in A30 FRS Aggressive Balanced, S30 Large Growth Stock, and B55 PIMCO High Yeild funds through work. Is there anyway to follow these funds on a daily basis? I can log onto my account and create a monthly or quarterly statement, but I don't want to go to that much trouble every time. Is there any kind of ticker available?

    You can get the fund trading symbol and enter it in a portfolio on Yahoo Finance, so it will show you the price quote. There's really no reason to have a streaming ticker since funds reprice after the market close, once per day for the most part. Funds don't typically change inter-day. You should be able to go online via your current account and get the symbol, which is probably a 5-letter symbol ending in the letter 'X' as most mutual funds.

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    Aggressive Christianity

    Posted by admin on January 10th, 2009 and filed under aggressive growth funds | No Comments »

    Photography and Slideshow for The Salvation Army Asian American Yerba Buena Corps documenting the Aggressive Christianity conference.

    Duration : 1 min 44 sec

    Read the rest of this entry »

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    What is the risk involved in switching my 401k from conservative to aggressive?

    Posted by admin on January 9th, 2009 and filed under aggressive growth funds | 6 Comments »

    Here are the details…

    From: MFS Conservative Allocation Fund RS
    To: MFS Aggressive Growth Allocation Fund RS
    …and is it a good idea?
    Here is the deal, I am 37 and never started investing until a few months ago with the new job I started, they match 50% and I am only contributing 4% of my $25,000 salary. I first signed up with a conservative allocation fund but after talking with a few people I changed it to the aggressive allocation fund…I guess it is a large growth pre-mixed selection of mutual funds, just not sure if I made the wise choice??

    Most folks other than quick never answered your question, so I'm gonna take a crack at it.

    Overall, different instruments have different risk/reward expectancies. The conservative portfolio typically has a much smaller variance and risk, and thus lower returns. The aggressive portfolio should be more biased toward stocks and thus have a higher risk and reward.

    In the long run, which is why you need to take in to consideration your time horizon, the more aggressive portfolio should outperform the other ones. However, in the short term, there's more volatility.

    For example, bonds pretty much return the same amount year after year with pretty small variance. The stock market as a whole is more aggressive, but in general over time should yield 8% or more. However, in any given year, the stock market might go up 20% or down 20%.

    Does that make sense?

    In 10, 20, 30 yrs, the stock market most likely kicks bonds returns. But, if we had a recession in 2009 and stock market went down, it might take several years to dig out of the hole. Meanwhile, the bonds just plod along.

    Hope that helps!

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    Is right now the best time to invest in mutual funds?

    Posted by admin on January 6th, 2009 and filed under aggressive growth funds | 2 Comments »

    The Roth IRA has been doing me wonders. However, I have mutual funds going on with another company at a certain bank. It's aggressive growth, I'm doing it long term aggressive growth. When the economy gets back on its feet real strong I should see major growth in that side of my investing correct? Also, does anybody know of any small businesses trying to expand and become bigger?

    If you are betting all your marbles on aggressive growth, you may find yourself in a very bad position when the economy turns down. Aggressive growth funds tend to drop the fastest and furthest in such climates. It is fine to put a portion of your marbles into that bag, but you do not want to have all there or you may wind up with a vey light bag. Growth during the past 5 years has not done too well relative to the rest of the stock market.

    DSG a small growth index fund has returned only 6.88% annually during the last 5 years.

    Whereas ELV a large cap value index fund has returned 7.95% annually during the last 5 years.

    IJS a small cap value index fund has returned 14.65% annually during the last 5 years.

    Quite frankly performance wise aggressive growth has underperformed most sections of the stock market. Of course that might change during the next 5 years.

    But a better strategy is to cover more bases. Some in aggressive growth, some in small cap value, some in large cap, and some in foreign stocks.

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    If you're not investing in real estate what is the next best investment?

    Posted by admin on January 5th, 2009 and filed under aggressive growth funds | 8 Comments »

    I'm saving money up which is good. However, I need to know what's going to maximize my profits to the fullest with the money I have saved up. I already have a Roth IRA and mutual funds (aggressive growth) is there anything else I should add to my investment portfolio? Money Market Accounts, Certificate of Deposits, any others?

    International Investing….the world is growing faster than the US

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