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MessagePosté le: Sam 2 Déc - 03:15 (2017)    Sujet du message: The actual PLNDR rep code additionally gives you Répondre en citant

Mutual Fund Investors Beware – Investing Mutual Fund Investors Beware – Investing December 20 under armour scorpio 2 , 2013 | Author: Frank Miller | Posted in Finance Risk-adjusted return provides a simple means of comparing similar mutual funds on a common basis. As similar mutual funds usually are not equivalent in terms of risk, simply comparing their average returns is not a valid means of selecting the best mutual fund. Similar mutual funds are those that are in the same category or asset class. In other words, compare large cap value to large cap value, technology to technology, emerging markets to emerging markets and so on. It’s important to understand that using risk-adjusted returns to compare mutual funds in different categories may be interesting under armour scorpio black , and useful in getting a feel for the relative risk of different asset classes, but it’s not a valid means of selecting mutual funds, as mutual funds in different asset classes are not alternative investments, they are complementary investments in a well-diversified portfolio.

The problem is that market timing it not illegal. The problem occurred when the mutual fund stated in it’s prospectus that it did not allow that activity while they secretly allowed privileged investors to do it anyway. For instance, large hedge funds would move millions of dollars into a mutual fund one day and sell it out the next. This gave the mutual funds increased fees while hurting the return of their regular investors. In response under armour scorpio , the SEC has proposed a number of rule changes. One rule would require mutual funds to impose a redemption fee when a sale occurs within five days of purchase. Unfortunately, many mutual fund companies have seen this as an opportunity to impose new fees that make it harder for you to move your money elsewhere. So the SEC’s involvement has had the unintended effect of increasing costs and reducing flexibility for the average mutual fund investor.

Modigliani and Modigliani recognized that average investors did not find the Sharpe ratio intuitive and addressed this shortcoming by multiplying the Sharpe ratio by the standard deviation of the excess returns on a broad market index, such as the S&P 500 or the Wilshire 5000, for the same time period. This yields the risk-adjusted excess return. This, too http://www.underarmourshoeoutlet.com/ , is a significant and useful statistic, as it measures the return in excess of the risk-free rate, which is the basis from which all risky investments should be measured. However, this still falls a bit short of being truly intuitive to the average investor, and excess returns are not part of the mutual fund data that is ordinarily published.

Worse cheap under armour shoes , the big mutual fund ‘supermarkets’ are imposing their own redemption fees. Charles Schwab One Source has begun charging a .75% redemption fee for sales within 6 months of purchase. TD Waterhouse charges .50% for sales within 90 days of purchase. Fidelity imposes a $75 fee or .75%, whichever is greater, if the redemption is done by phone within 6 months of purchase. Interestingly, Fidelity does not impose a redemption fee on Fidelity’s own mutual funds! This begs the question–if short-term trading is so bad then why doesn’t Fidelity impose the same redemption fees on Fidelity mutual funds?

The bottom line is that redemption fees cause you to lose flexibility. Let’s say unexpected events, good or bad under armour shoes outlet , cause you to need premature access to your money. Or maybe you just need to adjust your portfolio. Worse yet, what if we have another terrorist attack a few months down the road? These new fees mean you’ll have to pay a penalty to access your money.

The financial services industry’s goal is to reduce their costs and increase client retention by making it harder for you move your money elsewhere. My goal is to manage my clients’ money in such a way that protects what they’ve worked so hard to acquire without limiting their flexibility.

Frank Miller has a Debt Consolidation Blog & Finance, these are some of the articles: Spot Price Of Gold And Its Relevance In The Markets You have full permission to reprint this article provided this box is kept unchanged.
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