Author Box
Articles Categories
All Categories
Articles Resources

Smart Investments to Make For Retirement

March 10, 2012 | Comments: 0 | Views: 104

In the vast investment market of more than 9,000 mutual funds, how do you find top performers to add to your Individual Retirement Account so you can build the best retirement portfolio? A top performing mutual fund is an asset that maintains performance growth that exceeds the fund category averages and gives investors large dividends (income/capital gains).

Last year's stock market indexes were volatile and full of uncertainties for the average investor, like myself. Information (facts) is key in searching for good investments. It is imperative to make investment decisions based on a proven long-term positive performance record (number of years of gains vs, number of years of losses), This goal should be the core of your retirement investment. Of course, there are many other factors that come into play before making an investment; such as fees, minimum purchase, etc.

Tools of the trade enable individuals in a profession to excel in pursuit of their endeavor. One of the best tools to use in the financial field is knowing a mutual fund's ticker symbol and putting it to good use. The ticker symbol is your key to a wealth of investment facts. A ticker symbol (unique 5 alpha digits ending with "X"} always follows the name of a mutual fund. For example the ticker symbol for the James Balanced Golden Rainbow fund is GLRBX.

Most search engine finance pages provide limitless data on investments whether it is stocks, stock mutual funds, or bond funds. When you enter the ticker symbol in the "quotes" search box any question you may have about the mutual fund is immediately displayed. Here is some of the information provided:

Profile: Includes pertinent data such as the mutual fund family, address, phone number, fund category, date of inception, net assets value, fund manager, etc.

Purchase & Expense: The purchase information would include the net asset value of the fund, minimum investment, minimum IRA purchase, etc. The expense data provides the maximum sales load, 12b1 fee, management fee, etc.

Performance: The performance of mutual funds is based on the net asset value that change daily. When the change is more or less than the value of the nav, the percent of performance is either a gain or loss. The share price does not change until after the close of the market. The performance can be short-term two years or less and long-term 3 years or more.

Total Return: The return of a mutual fund includes the dividend distribution of income and/or capital gains and the performance. The dividends and interest earned by a mutual fund on its investment is the income. The income distribution is quarterly. The capital gains can be either a gain or loss. December is the month when most mutual funds declare distribution of income and/or capital gains. On the trade date, the share price (nav)is decreased by the same amount as the distribution. If, for example, a 10% distribution was given shareholders; the net asset value of the mutual fund would be reduced 10%.

Fund Holdings: This section includes the asset allocation (portfolio percentage of stocks, cash, bonds), the top 10 holdings (name of investment and percent of fund assets), sector allocation (example. technology, financial services, healthcare, etc.).

Graphic Charts: An excellent tool to use is this Value of a $10,000 Investment graphic chart. The chart shows what the current value of the $10,000 purchase would be for a year, 3 years, 5 years or 10 years. In addition to this factual data, it also shows the ups and downs in value during the time period selected.

This is just a thumb nail sketch of the vast amount of information unlocked with the key of a mutual fund ticker symbol, Isn't this the kind of vital information you're looking for to make a smart investment in your retirement portfolio?

I am the owner of Mutual Interest Data Service, Ltd. my website provides visitors, like yourself, with unique, current and factual data on mutual funds. Before establishing the business, in the early 90′s, I searched for funds with 1) average or low risk, 2) above average performance, and 3) distribution of large dividends. After several years of burning the midnight oil and analyzing thousands of mutual funds; I established and built an investment portfolio. But, I also wanted the assets to grow in the long-term for myself and family. Not having a financial advisor, the objectives were achieved. Realizing other individuals could also benefit from a website with this kind of factual information, I than created a data bank of investments that met my criteria. In 2000 I was granted permission (reference file No. 137-1) by the staff of the Securities and Exchange Commission's Division of Investment Management to operate an Internet Website (

Source: EzineArticles
Was this Helpful ?

Rate this Article

Article Tags:

Mutual Funds


Mutual Fund


Retirement Investment


Fund Performance


Mutual Fund Growth


Fund Category

Forex dealing is dealing in currency trading and basically includes dealing in foreign exchange while the stock market dealing is the dealing of stock in a standard market market. The two types of

By: Anil Mali l Investing > Stocks l October 25, 2012 lViews: 245

Investments in silver metal can be done by several ways. The article talks about the best ways of silver investments. Silver, the precious metal has always attracted investors for several reasons.

By: Kyles Humphrey l Investing > Gold Silver l August 17, 2012 lViews: 305

The article offers reasonable reasons for high oil prices. Crude is indispensable and it is a great source of energy. The prices on oil keep on altering, sometimes it is too high and sometimes it

By: Kyles Humphrey l Investing > Stocks l August 17, 2012 lViews: 286

Many investors are unaware of new tax that will be levied as part of the Supreme Court’s decision to uphold President Obama’s health care reform. The investment tax, as it is being referenced,

By: Ben Esget l Investing > Retirement Planning l July 17, 2012 lViews: 405

A few months ago, I was at Starbucks talking to someone about stocks and bonds, he and his wife had worked hard and were worried about the stock market. They wanted something much less risky. He

By: Lance Winslow l Investing > Stocks l July 11, 2012 lViews: 434

The first step in the risk management process is to acknowledge the reality of risk. Denial is a common tactic that substitutes deliberate ignorance for thoughtful planning.

By: Lawrence Tepper l Investing > Retirement Planning l July 10, 2012 lViews: 240

According to financial experts, mutual funds shouldn't be selected merely on the basis of past performance and fundamental analysis of indices. First of all, you need to understand that investments

By: Shabbir Bhimanil Investing > Mutual Fundsl June 16, 2012 lViews: 190

Mutual funds are a type of certified managed combined investment schemes that gathers money from many investors to buy securities. There is no such accurate definition of mutual funds, however the

By: Vaibhav Bhadangel Investing > Mutual Fundsl June 06, 2012 lViews: 223

Mutual fund investments can give investors high returns when they succeed in choosing the best mutual funds. The best mutual funds are those that facilitate diversified and multiple stocks purchase,

By: Wayne A Gormanl Investing > Mutual Fundsl May 30, 2012 lViews: 213

Past performance isn't a proper indication of future overall performance. A poor-performing fund which had massive deficits in one year shouldn't be considered to do similarly in the subsequent year,

By: Alisia Matthewsl Investing > Mutual Fundsl May 25, 2012 lViews: 192

In case you are wondering if there are risks in investing, the answer is yes. Although investing in a cash ISA involves little risk, there are higher risks involved with regards to stocks and shares

By: Gert Hael Investing > Mutual Fundsl May 22, 2012 lViews: 204

There are many advertisements offering to sell you techniques labelled how to make money the easy way but the experts know that these get rich quick schemes are a sham; just a way to separate any

By: Jack Ritchiesl Investing > Mutual Fundsl May 21, 2012 lViews: 346

To build and maintain a successful retirement portfolio, you have to find mutual funds that will best help you achieve your objectives. In the early 90's, I searched for mutual funds that had to

By: King A Kovacsl Investing > Mutual Fundsl March 18, 2012 lViews: 117

Discuss this Article

comments powered by Disqus