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How to understand indexing basics

Many people want to know how to compare mutual funds to make the right decision. There are obviously many factors at work here. First of all, you need to determine if investing in this vehicle is right or you.

Generally speaking, a mutual fund is for people who aren't very financially educated, and really don't have any time to become so. They are generally for people who want to give their money to a fund manager and have them do the work for them.

If you aren't financially educated enough to read the financial statements of a company and determine it's overall financial health, then finding a best performing mutual fund is probably right for you. It is very risky to invest in a stock just based on whether it's stock price is going up or down.

These investments are divided into two groups based on the choice of how they are acquired. These groups are load and no load funds. No-load funds: The advantage of no-load funds is that 100% of your funds are fully invested from the beginning of the investment.

Loaded funds: The advantage of loaded funds is the addition of professional advice in which category to select for your goals. Important factors in considering if you should invest in a mutual fund should be:

• Operating cost of the fund

• The goal of the fund and if it matches your investment goal

Stock mutual funds are considered the most risky of all mutual funds. However, these funds are more likely to generate a higher return than the other types of mutual funds, especially over time.

Bond mutual funds deal with securities. Essentially, when you invest in bond mutual funds you are investing in the debt obligation of governments and corporations. Corporate bond investing are more risky than money market investments, and are often used to generate retirement income.

Since this type of investment is typically very diversified, they tend to reflect the trends of the market as a whole. When the market is doing well, generally the fund will do well, and when the market is going down, the fund will usually follow suit.

Of course, in times of a market crash, a mutual fund can literally wipe out your entire portfolio if you aren't careful. Therefore, don't ever buy into the myth that a fund isn't risky. It can be very dangerous, especially in times of a market crash. While these occurrences are rare, they can occur, and you certainly need to be wary of them.

The bottom line: it is always best to know what you are investing in before doing so. Your finances are one of the most important areas of your life. If you aren't financially educated, you can never achieve financial freedom.

It is never good to entrust your financial future to someone who really has no interest in it. When it comes to your finances, you need to take charge yourself. You can get by with outsourcing other areas of your life, but when it comes to your finances, you need to be the boss.

Remember this: you can always make more money making your own investment decisions than you can with a mutual fund. Yes, sometimes in a bull market it pays off, but is the risk really worth it?

Therefore, if you are set on investing in these vehicles, always compare mutual funds with their counterparts, and make sure it has a long history of profitability to find the best mutual funds. The top mutual funds are always those that have exhibited a long time of profitability so that you can be reasonably sure this trend will continue. While this step won't eliminate risk, it certainly can reduce it.

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