I am in a position to purchase some mutual funds for my retirement portfolio. Hopefully retiring in 5 to 10 years. I'm debating whether to purchase the funds now or wait until the fall or winter. The reason I am hesitating is that it appears that the market is due for a "correction". Most investment pundits predict somewhere between 3 percent and 8 percent. I'd prefer to buy when the correction occurs and ride some of the upside. Am I being too cautious or should I bite the bullet and buy now with the expectation that a correction will occur and I'll still make up for that 3 to 8 percent loss in the long run. I'm looking for some good insight. Please don't recommend a professional advisor. I've tried them before and I have done much better on my own. I know where to invest not just the right time. Thanks for your thoughts in advance.

My recommendation for your 'timing' question is to invest following a plan called "cost share averaging" or something similar to that. The concept is to invest a fixed amount at regular intervals. The net effect is that you get more shares when prices are low and buy less when they are high. As far as the right time, the old adage "time in the market is more important that timing the market" holds true in my opinion. No one really knows where the market is going when; all they have is an opinion. Get in with reasonable amounts spaced over a period of time and stick with your plan through the good and the not so good times.

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I am from the US and keep hearing about foreign investment and how great it is.
So being that I live in the US, how can I buy stocks or mutual funds in China, hong kong, Europe etc..? I'm mostly asking about online trading.

There are plenty of international stock mutual funds. Use the fund screening tool at Morningstar.com or Yahoo Finance.

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Simple! Go here!

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For those wishing to invest their money – usually those wishing to put away a tidy nest egg for retirement or their children for school – there are a lot of decisions to make. You can’t jump into just any arrangement, and especially not the first offer that comes your way. Perhaps the most pertinent question you might ask yourself when investing is, what should oneu invest in – in other words, what’s good to invest in right now?

1. Put Your Money First

The final aspect of investing in bonds shouldn’t be the qustion as to what you should buy or sell, but rather, how much capital you are going to gain in the form of dividends. Remember, you aren’t buying stocks, you are investing. This means you expect a return on your investment.

2. Stocks

If you plan on investing in stocks, a general rule is to hold them for at least 10 years. Stocks will, over this period of time, outperform any other possible investment. Don’t even think about real estate, bonds, or commodities, stocks are definately the way to go, and it is not uncommon to see returns of up to or over 10%.

Of course, that is not to say that stocks are always the safest choice. Few investors actually buy stock and hold it for ten or more years. Also, with the exception of mutual funds individuals tend not to invest in stocks in general, but rather in a particular company. Also, even then, times change because new and better technologies come to pass. General Electric no longer makes most of its revenue from light bulbs, for example.

2. Bonds

If youre going to go with a bond, first of all, expect to pay a minimum of $5,000. You will definately want to invest in a bond that is rated AA or higher, and stick to a well known, major brokerage to handle your investment. Even with inflation you can expect to make only 4% profit per year. Of course, 4% of $5,000 is only $200, but over a period of 10 years that turns into $2,000. Of course, in today’s economy $2,000 won’t even last a month for rent, food, utilties, etc. Even so, bonds have advantages no other instrument enjoys. Since they have a set interest rate and maturity date, their behavior is much more readily predictable, given plausible assumptions about interest rate changes and other economic factors. You can’t attribute this kind of reliability to stocks, for example.

3. Currencies Or Commodities

The beginning investor should never engage in trading commodities or currencies, such as FOREX. Don’t believe the hype surrounding these investments – there is a reason why so much money is floating around out there – people are losing it!

4. Real Estate

If you think that the value of real estate is always on the rise, think again. Although a great way to make substantial gains, if you are going to make any real money you have to be able to invest a lot of your capital – more than any other variety of investing. Many simply can’t do it part time and try to make it their full time job. Some succeed, many fail.

5. Funds

If you are looking to make some quick cash, funds offer a great alternative to direct investing. Mutual funds, one of the more common types, pool investor money and diversify investment (usually) into a variety of instruments – stocks, bonds, currency, commodities, etc. Investors save money by not incurring a fee for every trade, but pay management fees of one kind or another (usually annual), and those can eat substantially into overall return on your investment.

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