Retirement: Mutual Funds

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An excellent method to build and maintain retirement wealth is investing in traditional Individual Retirement Accounts (IRA). If you invest in mutual funds, the investment should have gains in good times and minimal losses in bad times. Individual Retirement Accounts are governed by IRS policies. All income and capital gains are not subject to tax until you reach the age of 70 1/2. Of course, none of the distribution can be withdrawn before that time.  All IRAs consist of financial assets that you manage and control. 

Mutual funds are security investments of companies like Vanguard or Fidelity that collect funds from the investor and pool the assets for the purpose of building a portfolio of securities according to established objectives. Some of the mutual fund objectives are categorized: Large-Cap, Small-Cap, Mid-Cap, Multi-Cap, Equity Income, Variety of Specialty, Balanced, Bonds, etc. A mutual fund is always assigned into an investment category and the assets are detailed in the prospectus.   

Mutual Interest Data Service, Ltd. analyzed thousands of mutual funds over a period of 15 years. A database of 300 outstanding mutual funds has been established. The long–term criteria of each mutual fund includes:  Large income distribution, Above average performance and High return.

From the database, the best 21 Equity mutual funds and 10 Bond funds were selected. Many funds are no-load assets that do not have a purchase or selling fee. Here are the data facts on these outstanding funds:

Mutual funds having high long–term returns are successful investments for building assets in Individual Retirement Accounts (IRA) and should be timed in years, not months or weeks. A mutual fund is comprised of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. A mutual fund's portfolio is structured and maintained to achieve the and investment objective that is in its prospectus.

Every mutual fund has professional manager(s) who determine what individual stocks or bonds to buy, sell and when. These decisions and actions are in keeping with the mutual fund financial objectives. There are 3 major factors that should always be considered when investing in mutual funds. 1) Net Asset Value - the closing and opening share price of the fund. 2) Performance - increase or decrease of the mutual fund's share price. 3) Distribution - dividend and/or capital gains that shareholders receive. Risk and fees are equally important.

Challenge. See if you can find exceptional retirement mutual funds that provide long-term growth and high return prosperity. Just keep in mind that, while you are burning the midnight oil in your search, we have accomplished this feat for you and the facts are here!

Mutual Interest Data Service, Ltd.
P.O Box 55365
Trenton, N.J. 08638


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