Good mutual funds?
09-02-2005, 02:54 PM
#7
8th Gear
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You should definently look into Janus and Vanguard as fund families. Both these fund families have no-loads and low expenses. Vanguard has the lowest expenses of any mutual fund company so you will profit more over the long haul especially since you have such a long time horizon. Be sure to invest in growth funds as well as some value. Since you have a long time horizon I would do 70% into growth and 30% into value depending on your comfort level. Since you are so young, don't do bonds or anything like that-you won't want to look into bonds until you are older.
And, you will want to take advantage of dollar-cost-averaging so that you don't have to "time" the market. What I mean by this is to consistently put $ into a fund every month/quarter so that throughout the year you are consistently investing and when you average the entire year, you WILL have bought over that time period at a lower price-per-share overall.
Funds to look at in the Vanguard family:
Fund Name inception date % since inception %10-year
Vanguard Wellington 1929 8.35% 10.61%
Windsor II 1985 12.94% 11.83%
Total Stock Market Index 1992 10.59% 9.62%
There are the Target Retirement funds that base their allocation off when you expect to retire...these have only been around since 2003 so they're fairly new but have a very interesting concept on how they work and could be a great avenue to invest also. You will want to research this too.
Janus is another fund family. I have to go now so I don't have time to get specific but definently look into Janus also. Good luck!
And, you will want to take advantage of dollar-cost-averaging so that you don't have to "time" the market. What I mean by this is to consistently put $ into a fund every month/quarter so that throughout the year you are consistently investing and when you average the entire year, you WILL have bought over that time period at a lower price-per-share overall.
Funds to look at in the Vanguard family:
Fund Name inception date % since inception %10-year
Vanguard Wellington 1929 8.35% 10.61%
Windsor II 1985 12.94% 11.83%
Total Stock Market Index 1992 10.59% 9.62%
There are the Target Retirement funds that base their allocation off when you expect to retire...these have only been around since 2003 so they're fairly new but have a very interesting concept on how they work and could be a great avenue to invest also. You will want to research this too.
Janus is another fund family. I have to go now so I don't have time to get specific but definently look into Janus also. Good luck!
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09-03-2005, 06:25 PM
#9
Three Wheelin'
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I suppose I should add that of these I own Dodge and Cox International, Dodge and Cox Balanced, American Century Value, Tweedy Browne Global Value, and Fidelity Puritan. All have greatly outperformed the market over the past five years-but, of course, the market mostly sucked. 
09-23-2005, 08:27 AM
#11
Racer
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09-23-2005, 09:17 AM
#12
dɐɹɔ ǝɥʇ ʇɐɥʍ
Originally Posted by Scrib
50% of my retirement is in 5 American Funds, and I am very pleased.
09-23-2005, 11:00 AM
#14
dɐɹɔ ǝɥʇ ʇɐɥʍ
EuroPacific Growth Fund A
The Growth Fund of America-A
New Perspective Fund-A
Fundamental Investors-A
The Income Fund of America-A
That puts me at 63.83% Growth, 26.36 Growth and income and 9.81% equity income. Some may argue that's a risky combonation for retirement, but I started investing when I was 18 and am only in my mid-20's now, so I can take some greater risks. Also like I said this is only about 50% of my retirement plan, not including the sale of my businesses.
The way my advisor set me up I have more of some funds then others, its not a straight 20% invested in each - I had to take this test of sorts for him to make the suggestion(s) to allocate the funds how they are. I don't know exactly how they come up with what they did, but it seems to work and I am pleased.
The Growth Fund of America-A
New Perspective Fund-A
Fundamental Investors-A
The Income Fund of America-A
That puts me at 63.83% Growth, 26.36 Growth and income and 9.81% equity income. Some may argue that's a risky combonation for retirement, but I started investing when I was 18 and am only in my mid-20's now, so I can take some greater risks. Also like I said this is only about 50% of my retirement plan, not including the sale of my businesses.
The way my advisor set me up I have more of some funds then others, its not a straight 20% invested in each - I had to take this test of sorts for him to make the suggestion(s) to allocate the funds how they are. I don't know exactly how they come up with what they did, but it seems to work and I am pleased.
Last edited by Tireguy; 09-23-2005 at 11:02 AM.
09-25-2005, 01:21 PM
#16
Originally Posted by Tireguy
EuroPacific Growth Fund A
The Growth Fund of America-A
New Perspective Fund-A
Fundamental Investors-A
The Income Fund of America-A
The Growth Fund of America-A
New Perspective Fund-A
Fundamental Investors-A
The Income Fund of America-A
09-25-2005, 06:16 PM
#17
Three Wheelin'
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Originally Posted by Zippee
All good funds, but you got hosed on commissions.
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