Research Mutual Funds Before You Invest
Advantages and Disadvantages
An international mutual fund is a mutual fund that is combination of stocks in foreign countries.
Advantages and disadvantages it is good to invest in an International Mutual fund to have a diverse portfolio.
Right now is an excellent time to invest in an international mutual fund.
Invest in Brazil, Russia, India, and China.
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I'm 25 and just opened a Roth IRA for $2,500 and want to know where a good place to invest my money is. I've research some of the funds and it shows that individual domestic and international mutual funds typically have much higher life rates of return than the Freedom Fund 2050 (FFFHX), but the advantage of the FFFHX is that I don't have to do anything to worry about my retirement. It is aggressive growth right now because I can tolerate risk but gets more conservative as I get closer to retirement – it does this automatically by the fund managers.
Other funds I have to manage myself and such and rebalance. I'm kind of stuck. What is your take on what I should do to get the most for my money? I want the highest rate of return but want it to be simple. And avoid fees(expense ratios)?
Thank you so much for your help!
C'mon…how busy can you be…that you can't look in on an investment six months or a year down the road? The Freedom Funds are indeed very convenient… but as far as being " aggressive"… that's hard to agree with! 9.7% last year ..and that's as risky as they are EVER going to be….
You are young, you can afford to take a little more risk than that…and get returns 2, 3 or even 4 times as much… do that for four, five or ten years and get conservative when you have some nice profit to " protect".
I'd suggest ( for a few years) something " international"…with Fidelity that could be FLATX…or FEMKX… or even a little conservative with FIGRX.
Check this website and use the calculator to see the difference over time of an investment getting 10% returns and one doing even slightly better 13% or 17%….
http://www.finishrich.com/free_resources/lattecalculator.php
(…and remember that 9.7% was as " aggressive" as FFFHX is EVER going to be…so your average after 35 years is going to be closer to 6% ? 5% ? )
Those international funds have made over 25% per year in the last few years…they may not continue that, but they will continue to outpace conservative U.S. companies for quite a few years….take advantage…double your money in four years… not ten… use your bigger profits to diversify…. once a year…get a Kiplinger's mutual fund issue and take one weekend to make some moves…
If you've done some figuring on that calculator you can see what an ASTOUNDING difference a little thought can do for your future.
As far as your concern about fees/expense ratios…if some guy/gal or team can make make 45% for me ( FLATX) or even 28% ( FEMKX)… I'll gladly pay the 1.1% fee.
If you are somehow leery of anything international…look at some of the " energy" funds : FNARX, FSESX, FSENX…
…everyone whines about " Exxon Mobil making soooo much money, yadda yadda.." stop whining, let 'em do it for you… things are not going to change that fast…and as a matter of fact even U.S. Gov't studies are seeing oil supplies in short, short, short supply by 2010.
So…you can be a lump on a log , or you can take just a leeeetle bit of an interest in your future… ( think you might have a wife and kids some day?…. impress 'em …don't live off them .)
Good luck….( sorry to get on the soapbox)
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The Nicholas Senn High School International Festival 2007
Duration : 32 min 36 sec
Schwab
Exclusive of their individual performance they go UP because from our point of view they are based on a dollar which is worth less.
Or from their point of view they are based on a currency that is now worth more compared to ours.
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i live in india.can anyone tell me Internationally Recognised Financial,Banking exams which can fulfill international Demand for my career in countries like US, UK, Australia,and other countries.
plz help me out
thanyou
Countries such as Canada, U.S. and U.K. all have their own exams, for their own economies/cultures. If you want to work in one of these countries, choose their exam offerings. If you are not sure, choose one that is easiest to access where you are. Consider these organisations for securities industry exams:
Canadian Securities Institute
Securities & Investment Institute (London)
FINRA (U.S.)
Good luck!
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i have to made project report on it.plz help
1. Associacion de Administradoras de Fondos Mutuos de Chile A.G.
2. Union of Investment Companies of the Czech Republic (UNIS CR)
3. The European Fund and Asset Management Association (EFAMA)
4. Association Francaise de la Gestion Financiere (AFG), France
5. Hong Kong Investment Funds Association (HKIFA)
for more information visit
http://www.ici.org/funds/inv/list_intl_mfa.html
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