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| Common Sense on Mutual Funds: New Imperatives for the Intelligent Investor (Photo credit: Wikipedia) |
Introduction to Mutual Funds. The concluding part... :)
Last of two parts
BEFORE we continue, let us recap the important points covered last week.
So how do mutual funds differ from other financial instruments like government treasuries, bonds and stocks?
For mutual funds, investors will only need to provide the investment money and indicate their choice of mutual fund to the company, and the fund manager will be the one to select and manage the investment. For the rest (i.e., government treasures, bonds and stocks), investors would have to personally identify, buy and sell these as applicable.
This is the reason mutual funds perfectly fit busy professionals or individuals specializing in other fields, as everyone can enjoy the benefit of the growth in the financial market, even if they do not have the time or knowledge.
Below are the recommended mutual funds according to type of investor. Please note that the returns mentioned are as of May 17:
Conservative investor. Investment horizon is less than three years; best suited to invest in bond fund
- First Metro Save and Learn Fixed Income Fund Inc.—five years average return of 12.27 percent
- Phil Equity Peso Bond Fund Inc.—five years average return of 11.22 percent
- Philam Bond Fund Inc.—five years average return of 10.49 percent
Moderate investor. Investment horizon is three to seven years; best suited to invest in balanced fund
- First Metro Save and Learn Balanced Fund Inc.—five years average return of 27.94 percent
- Philam Fund Inc.—five years average return of 20.22 percent
- Pami Horizon Fund Inc.—five years average return of 19.57 percent
Aggressive investor. Investment horizon is more than seven years; best suited to invest in stock/equity fund
- First Metro Save and Learn Equity Fund Inc.—five years average return of 26.58 percent
- Phil Equity Fund Inc.—five years average return of 26.21 percent
- Philam Strategic Growth Fund Inc.—five years average return of 22.76 percent
- Phil Equity PSE Index Fund Inc.—five years average return of 21.79 percent
http://pinoyfiq.com/pinoyfiq/financial-education/introduction-to-mutual-funds-part-ii-of-ii
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