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Easiest Reasons To Spend In Mutual Funds By Supernsetips

By Milla Jovovich

Everyone who follows the financial news has tried of mutual funds and knows the stock market has broadly speaking risen (with various ups-and-downs) for over 200 years. In fact, by most steps, the stock market has made more than money for more people, and done it more reliably, than any other investment over the past 100 years! If you want to collect substantial wealth, you must let in stocks in your investments!

But, most peoples who “invest” don’t canvass the market. They don’t realize it, and they don’t have time to deal their portfolio wisely. That’s where mutual funds come in. I respect that other people have other opinions, and certainly not all mutual funds are well managed — you MUST pick out wisely and use appropriate caution! But, for most folks, a respectable, solid, boring mutual fund is the golden path to riches.

Here are my Top 10 reasons to us mutual funds:

1. Selection. You can select from thousands of funds (you’ll find one to suit your needs) and you can get info on them easily. Magazines like “Money” are easy to find. Most credit unions have data, and your local library is a goldmine — and there’s the Internet.

2. You Can Start Small. Most mutual funds will let you begin with less than $1000, and if you set it up for automatic deposits, some will let you start with only $50. I’ve spent more than that in a restaurant! There is NO reason not to consider this!

3. Simplicity. You deposit 10 % of your income every month. Just pay yourself first, then pay the mortgage, then give everyone else.

4. Professional direction. I don’t always have time to research, select, and monitor individual stocks. So, I pay a professional a little fee to do it for me. A good fund manager will make you rich!

5. Compound interest. Depending on what index you pick, the U.S. stock market has gone up an average of over 12 % per year for the past 10 years, and it’s been almost that high for the past 20 years. The market fluctuates, but the beauty of this is, you don’t care! Over 10, 20, or 30 years, the scheme works every time!

6. Dollar-cost-averaging. The details are complicated, but by investing every single month, whether the market is up or down, you get a tremendous boost from the mathematics. Your “average cost” will always be less than the “average price” you gave! And that is money in your pocket!

7. Diversification. A broad-based growth fund typically invests in dozens of companies in different industries, sometimes even in different countries around the world. If one stock goes down, hopefully dozens of others will go up. There is splendid protection and sound risk management built-in to these funds.

8. Specialization. If you prefer, and if you do the research, there are funds that invest in only a very small number of companies. If you can have the additional risk, you can invest in one particular industry, or one country, or in companies of a certain size or that are environmentally responsible. This specialization offers the potential for even greater profits, but it can also bring greater potential risk. Study before you invest!

9. Fund “Families”. Most mutual funds are offered by management companies that sponsor several different funds, with different objectives. They make it easy to move your money between funds, so as your goals change, you can adjust your investments with a quick phone call, or on the Internet.

10. Momentum. Once you get started, your enthusiasm builds. Once you have money “in the market”, you’ll track it, manage it, and in all probability, your desire to save will increase. If you’ve had difficulty saving in the past… START! Those monthly statements will be positive reminders to do even more. Yes, you should invest in tax-sheltered retirement plans first, and yes, there are other investment possible views. And yes, there is some risk, because the market can go down. But to retire wealthy, pick an outstanding, long term increment fund, invest on a regular basis, and let the system work for you! The key, as always is: GET STARTED!

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Article Citation
MLA Style Citation:
Jovovich, Milla "Easiest Reasons To Spend In Mutual Funds By Supernsetips." Easiest Reasons To Spend In Mutual Funds By Supernsetips. 22 Aug. 2010. 26 May 2016 <>.

APA Style Citation:
Jovovich, M (2010, August 22). Easiest Reasons To Spend In Mutual Funds By Supernsetips. Retrieved May 26, 2016, from

Chicago Style Citation:
Jovovich, Milla "Easiest Reasons To Spend In Mutual Funds By Supernsetips"

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