Mutual Funds-Retirement

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Are you Saving and Investing for your retirement and diversifying your portfolio? Savvy investors scrutinize investment costs; current performance & returns; long-term performance & returns; and dividend distribution of income and/or capital gains.

Making a retirement investment? One of the most important considerations is to make “decisions based on facts”.  It is easy to make unsubstantiated claims of investment returns. But, when exceptional mutual fund performances and returns are placed in your hands, it is an opportunity knocking. It's never too early to save for retirement.

An excellent way to build and maintain retirement wealth is to invest in traditional Individual Retirement Accounts (IRA).  Mutual fund investments should have gains in good times and minimal losses in bad times.  All income and capital gains received are tax deferred until the age of 701/2. All distribution must be reinvested and not withdrawn.  Mutual funds are security investments of companies, example Vanguard or Fidelity, that collect funds from the investor and pool the assets for the purpose of building a portfolio of securities as defined in the established objectives. Mutual fund objectives are categorized: Large-Cap, Small-Cap, Mid-Cap, Multi-Cap, Equity Income, Balanced, Bonds, etc. All pertinent facts such as performances, returns and distributions are found in the mutual fund's prospectus.

The book, Retirement Planning & Investing gives valuable insight on how to acquire retirement prosperity (35 individual and in-depth mutual fund reports of successful mutual funds). Ten-year average annual return of 6.63% for 24 Equity funds in 24 fund categories.  Minimum purchase range from $250 to $100,000.  Ten-year average annual return of 5.04% for 11 Bond funds in 11 fund categories.  Minimum purchase range from $250 to $50,000.  Go to Performance to see current returns. The information can be validated by using the mutual fund's ticker symbol (listed in the book) and getting a prospectus.


Mutual Interest Data Service, Ltd.
Hamilton, New Jersey 08619