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There
are over 3,000 mutual fund choices available today. My role
is to assist you in making the right decisions to minimize
your risk and maximize your return.
A mutual
fund represents a diversified portfolio of investments that
could exclusively include stocks or bonds, or a combination
of both. Mutual funds range from ultra conservative, money
market funds to aggressive specialty funds, such as an India
fund. Though a fund's past performance may play a role in
our decision to invest, the past performance is no indication
of future performance expectations.
There
is no best choice and it is critical that the portfolio we
use contains enough diversification to accomplish the goals
you establish.
Mutual
funds are sponsored by FundEX Investments Inc.
A few key
Mutual Fund points to ponder…
· Low risk doesn’t mean no risk. Inflation and taxes
can be just as great a risk to your planning as market fluctuation.
· I consider past performance, management track record,
investment style and consistency in the investments we recommend.
Frequently
asked questions
Q.
Why are there so many funds available? Aren’t they all
the same?
A. There
is duplication in the industry, but each fund has specific
objectives and characteristics that allow us to compare it
to similar funds. I can then select the best available funds
that will meet your specific goals.
Q. What
is the difference between load and no-load funds?
A. A
no-load fund charges no direct commissions or redemption fees
... But it offers no service either.
A load
fund may charge either a commission on purchase or a declining
redemption fee but most importantly, compensates your advisor
for providing advice and ongoing service. There have been
a lot of changes in compensation structures, so it makes sense
to discuss and be aware of how your advisor or planner is
being paid for the advice you receive.
Mutual
funds provided through FundEX Investments Inc.
Commissions,
trailing commissions, management fees/expenses may be associated
with mutual fund investments. Read the prospectus before investing.
Mutual funds are not covered by the Canada Deposit Insurance
Corporation or any other government insurer, are not guaranteed
and their values will fluctuate. . Past performance may not
be repeated. There is no assurance a fund will maintain its
net asset value or the amount invested will be returned to
you.
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