Retirement Planning & Investing

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. All distribution must be reinvested. 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. 

The book, Retirement Planning & Investing gives valuable insight on how to acquire retirement prosperity (35 in-depth mutual fund reports of successful mutual funds).  As of 2/23/18, 23 Equity/Stock mutual funds in 23 investment categories. Average performance rank among 10,528 funds - Top 12%. Average 5-year annual return 12.38%  Fantastic retirement portfolio!  Go to Performance, every week, to see returns. The information is validated by using the mutual fund's ticker symbol (listed in the book). Cost: $7.49.

Home / Performance / Data Report / Dividend Model

HERE IS THE ACTUAL TABLE OF CONTENTS and 1 of 35 MUTUAL FUND REPORTs    As of 11/30/2017, the return for this fund is: 13.66%

                  TABLE OF CONTENTS                                                                                                      

Establishing goal-----5
     IRS guidelines-----8
Required minimum distribution-----10
Planning Essentials-----11
Rollover guidelines-----11
     Types of Investments-----12
Analytical financial tool-----13
Investment Facts-----14
Income/capital gains distribution-----16 
Profitable portfolio formula-----18
      Convertible Securities-----20
Equity Income-----24
European Region-----28
 Global Multi-Cap Core-----36
Health/Bio Technology-----40
 International Multi-Cap Core----44
 Large-Cap Core-----48
 Large-Cap Growth-----52
 Large-Cap Value-----56
 Mid-Cap Core-----60
 Mid-Cap Growth-----64
      Mid-Cap Value-----68
 Multi-Cap Core-----84
 Multi-Cap Growth-----88
 Multi-Cap Value-----92
 Small-Cap Core-----96
 Small-Cap Growth-----100
 Small-Cap Value-----104
 Flexible Portfolio-----32
 Mixed-Asset Target Alloc: Conservative---72                                           Mixed-Asset Target Alloc: Growth-----76
 Mixed-Asset Target Alloc: Moderate-----80
 Corporate Grade A Debt-----117
 Corporate Investment BBB Debt-----121
 Emerging Markets Debt-----125
 General & Insured Municipal-----129
 General U.S. Government-----133
 Global Income-----137
 High Yield Municipal----145
 Intermediate Municipal Debt-----149
 Multi-Sector Income-----157
Investment & Reinvestment Model-----161
Portfolio Growth After 70½-----163
    ABOUT THE AUTHOR-----168

Investment Fund Category:

Equity Income

Total mutual funds in this category: 555

Fund’s objective seeks current income and long–term growth of common stocks middle size in large size companies usually pay above-average dividend income and yet, undervalued relative to other stocks. Usually the fund will invest minimum of 80% of its assets in equity securities.

As the December 30, 2016, the average return performance for this category was 14.08% 

Pioneer Equity Income A - PEQIX
Pioneer Equity Income Fund
60 State Street
Boston, MA 02109
     Risk: Average
Minimum Investment Purchase: $1000 
Minimum IRA Purchase: $250
Maximum Front End Sales Load: 5.75%
Maximum Deferred Sales Load: no load
Date of Inception: July 24, 1990
Number of Years of Gains: 22
Number of Years of Losses: 4
Net Expense Ratio: 1.06% %
Category Average Net Expense Ratio: 1.07%


Year: 2016
Net Asset Value: $32.85
 Dividend Distribution: $4.47 14.27%
Performance: 4.89%
Total Return: 19.15%
Year: 2015
Net Asset Value: $31.32
Dividend Distribution: $3.13 9.11%
Performance: -8.85%
Total Return: 0.26%
Year: 2014
Net Asset Value: $34.36
 Dividend Distribution: $4.14 12.15%
Performance: 0.67%
Total Return: 12.82%
Year: 2013
Net Asset Value: $34.13
 Dividend Distribution: $2.94 10.22%
Performance: 18.67%
Total Return: 28.89%
Year: 2012
Net Asset Value: $28.76
 Dividend Distribution: $1.03 3.89%
Performance: 8.77%
Total Return: 12.67%


5-year average distribution: 9.93%
5-year average performance: 4.83%
5-year average return: 14.76%
3–year average distribution: 11.84%
3-year average performance: -1.10%
3-year average return: 10.74%
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Here are more vital and valuable facts pertaining to this mutual fund that should be considered when making a retirement investment. This is annualized as of December 30, 2016.
  • Calculated growth of $10,000 invested for three years is $16,852 – A+ ranking.
  • Calculated growth of $10,000 invested for five years is $19,684 – A+ ranking.
  • Number of years of gains: 21 years.
  • Number of years of losses: 6 years.
A+ = 1% to 10%
Ranking among 555 mutual funds in this category.


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

609  516-9172