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Investing in mutual funds in usa

Опубликовано в Nextdoor OPI | Октябрь 2, 2012

investing in mutual funds in usa

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Mutual Funds for Beginners

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Mutual funds are a type of pooled investment vehicle. Shareholders of a mutual fund invest their money by purchasing shares of the fund. The money that they pay for the shares is pooled together and invested in a portfolio of securities, such as stocks, bonds, or money market instruments. Mutual funds are professionally managed and operated by money managers, who maintain the portfolio in accordance with the fund's investments objectives as stated in the prospectus.

Mutual funds, money market funds, and Exchange Traded Funds are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. Financial Professional or call Read it carefully before you invest. Please consider this information for educational purposes only. Please schedule a review with a financial professional to receive recommendations on strategies that may be suitable for you or in your best interest based on various personalized factors.

Popular investment disciplines which can involve mutual funds include:. Explore our other exclusive asset allocation solutions. The suite of HSBC Funds 4 includes domestic money market funds and equity funds and a full range of offshore funds. Mutual funds offer a convenient avenue for entering financial markets and can also become integral parts of a broader investment strategy. To fully understand your personal investment objectives and help determine which funds may be suited for your needs or in your best interest, an HSBC Securities Financial Professional will take the time to conduct a thorough financial review.

Call License : OE Products and services may vary by state and are not available in all states. California license : OD All decisions regarding the tax implications of your investment s should be made in consultation with your independent tax advisor. United States persons including U. This tool may be used in an effort to manage risk and enhance returns.

However, it does not guarantee a profit or protect against a loss. It also cannot eliminate the risk of fluctuating prices and uncertain returns. A target date fund may have losses and does not guarantee that sufficient assets will be available for retirement or any specific return. This brochure explains the basics of mutual fund and ETF investing, how each investment option works, the potential costs associated with each option, and how to research a particular investment.

Table of Contents. A mutual fund is an SEC-registered open-end investment company that pools money from many investors and invests the money in stocks, bonds, short-term money-market instruments, other securities or assets, or some combination of these investments. The combined securities and assets the mutual fund owns are known as its portfolio, which is managed by an SEC-registered investment adviser. Mutual fund shares are typically purchased from the fund directly or through investment professionals like brokers.

Mutual funds are required by law to price their shares each business day and they typically do so after the major U. Mutual funds must sell and redeem their shares at the NAV that is calculated after the investor places a purchase or redemption order. Mutual funds are open-end funds. Like mutual funds, ETFs are SEC-registered investment companies that offer investors a way to pool their money in a fund that makes investments in stocks, bonds, other assets or some combination of these investments and, in return, to receive an interest in that investment pool.

Unlike mutual funds, however, ETFs do not sell individual shares directly to, or redeem their individual shares directly from, retail investors. Instead, ETF shares are traded throughout the day on national stock exchanges and at market prices that may or may not be the same as the NAV of the shares. ETF sponsors enter into contractual relationships with one or more Authorized Participants —financial institutions which are typically large broker-dealers.

In addition, they can do so only in large blocks e. An ETF share is trading at a premium when its market price is higher than the value of its underlying holdings. An ETF share is trading at a discount when its market price is lower than the value of its underlying holdings. A history of the end-of-day premiums and discounts that an ETF experiences—i. ETFs are just one type of investment within a broader category of financial products called exchange-traded products ETPs.

ETPs constitute a diverse class of financial products that seek to provide investors with exposure to financial instruments, financial benchmarks, or investment strategies across a wide range of asset classes. ETP trading occurs on national securities exchanges and other secondary markets, making ETPs widely available to market participants including individual investors.

Exchange-traded commodity funds are structured as trusts or partnerships that physically hold a precious metal or that hold a portfolio of futures or other derivatives contracts on certain commodities or currencies. ETNs are secured debt obligations of financial institutions that trade on a securities exchange.

ETNs are complex, involve many risks for interested investors, and can result in the loss of the entire investment. This brochure discusses only ETFs that are registered as open-end investment companies or unit investment trusts under the Investment Company Act of Some common features of mutual funds and ETFs are described below.

Whether any particular feature is an advantage or disadvantage for you will depend on your unique circumstances—always be sure that the investment you are considering has the features that are important to you. Derivatives are financial instruments whose performance is derived, at least in part, from the performance of an underlying asset, security, or index.

Even small market movements can dramatically affect their value, sometimes in unpredictable ways. There are many types of derivatives with many different uses. An investor may also want to call a fund and ask how it uses these instruments.

Mutual funds and ETFs fall into several main categories. Some are bond funds also called fixed income funds , and some are stock funds also called equity funds. There are also funds that invest in a combination of these categories, such as balanced funds and target date funds, and newer types of funds such as alternative funds, smart-beta funds and esoteric ETFs. In addition, there are money market funds, which are a specific type of mutual fund. Bond funds invest primarily in bonds or other types of debt securities.

They generally have higher risks than money market funds, largely because they typically pursue strategies aimed at producing higher yields. Because there are many different types of bonds, bond funds can vary dramatically in their risks and rewards. Stock funds invest primarily in stocks, which are also known as equities.

Stock funds can be subject to various investment risks, including Market Risk , which poses the greatest potential danger for investors in stock funds. Stock prices can fluctuate for a broad range of reasons—such as the overall strength of the economy or demand for particular products or services. Balanced funds invest in stocks and bonds and sometimes money market instruments in an attempt to reduce risk but still provide capital appreciation and income.

They are also known as asset allocation funds and typically hold a relatively fixed allocation of the categories of portfolio instruments. But the allocation will differ from balanced fund to balanced fund. These funds are designed to reduce risk by diversifying among investment categories, but they still share the same risks that are associated with the underlying types of instruments. Also called target date retirement funds or lifecycle funds, these funds also invest in stocks, bonds, and other investments.

Target date funds are designed to be long-term investments for individuals with particular retirement dates in mind. The name of the fund often refers to its target retirement date or target date. That means that funds typically shift over time from a mix with a lot of stock investments in the beginning to a mix weighted more toward bonds.

Even if they share the same target date, target date funds may have very different investment strategies and risks and the timing of their allocation changes may be different. They also may have different investment results and may charge different fees. Often a target date fund invests in other funds, and fees may be charged by both the target date fund and the other funds.

In addition, target date funds do not guarantee that an investor will have sufficient retirement income at the target date, and investors can lose money. Target date funds are generally associated with the same risks as the underlying investments. Alternative funds are funds that invest in alternative investments such as non-traditional asset classes e.

These funds generally seek to produce positive returns that are not closely correlated to traditional investments or benchmarks. Many investors may see alternative funds as a way to diversify their portfolios while retaining liquidity. The risks associated with these investments vary depending on the assets and trading strategies employed. These funds can employ complicated investment strategies, and their fees and expenses are commonly higher than traditionally managed funds.

In addition, these types of funds generally have limited performance histories, and it is unclear how they will perform in periods of market stress. These funds are index funds with a twist. They compose their index by ranking stock using preset factors relating to risk and return, such as growth or value, and not simply by market capitalization as most traditional index funds do.

They aim to achieve better returns than traditional index funds, but at a lower cost than active funds. These funds can be more complicated and have higher expenses than traditional index funds, and the factors are sometimes based on hypothetical, backward-looking returns. Esoteric or exotic funds are ETFs that focus on niche investments or narrowly focused strategies.

They may be complicated investments and may have higher expenses. Hedge fund is a general, non-legal term used to describe private, unregistered investment pools that traditionally have been limited to sophisticated, wealthy investors. Hedge funds are not mutual funds and, as such, are not subject to the numerous regulations that apply to mutual funds for the protection of investors — including regulations requiring that mutual fund shares be redeemable at any time, regulations protecting against conflicts of interest, regulations to assure fairness in the pricing of fund shares, disclosure regulations, regulations limiting the use of leverage, and more.

Money market funds are a type of mutual fund that has relatively low risks compared to other mutual funds and ETFs and most other investments. By law, they can invest in only certain high-quality, short-term investments issued by the U. Government, U. Investor losses have been rare, but they are possible. Other money market funds, however, have a floating NAV like other mutual funds that fluctuates along with changes in the market-based value of their portfolio securities.

All money market funds pay dividends that generally reflect short-term interest rates, and historically the returns for money market funds have been lower than for either bond or stock funds. A risk commonly associated with money market funds is Inflation Risk , which is the risk that inflation will outpace and erode investment returns over time.

Index-based mutual funds and ETFs seek to track an underlying securities index and achieve returns that closely correspond to the returns of that index with low fees. They generally invest primarily in the component securities of the index and typically have lower management fees than actively managed funds. Some index funds may also use derivatives such as options or futures to help achieve their investment objective.

Index-based funds with seemingly similar benchmarks can actually be quite different and can deliver very different returns. For example, some index funds invest in all of the companies included in an index; other index funds invest in a representative sample of the companies included in an index. Because an index fund tracks the securities on a particular index, it may have less flexibility than a non-index fund to react to price declines in the securities contained in the index.

Also because market indexes themselves have no expenses, even a passively managed index fund can underperform its index due to fees and taxes. The adviser of an actively managed mutual fund or ETF may buy or sell components in the portfolio on a daily basis without regard to conformity with an index, provided that the trades are consistent with the overall investment objective of the fund.

Unlike similar mutual funds, actively managed ETFs are required to publish their holdings daily. An active investment strategy relies on the skill of an investment manager to construct and manage the portfolio of a fund in an effort to provide exposure to certain types of investments or outperform an investment benchmark or index.

An actively managed fund has the potential to outperform the market, but its performance is dependent on the skill of the manager. Also, actively managed funds historically have had higher management fees, which can significantly lower investment returns. The shareholder is paying for more active management of portfolio assets, which often leads to higher turnover costs in the portfolio and potentially negative federal income tax consequences.

Passive investing is an investment strategy that is designed to achieve approximately the same return as a particular market index, before fees. Passive investing also typically comes with lower management fees. As discussed above, passively managed mutual funds are typically called index funds. Passively managed ETFs typically have lower costs for the same reasons index mutual funds do.

Leveraged, inverse, and inverse leveraged ETFs seek to achieve a daily return that is a multiple, inverse, or inverse multiple of the daily return of a securities index. They seek to achieve their stated objectives on a daily basis. Investors should be aware that the performance of these ETFs over a period longer than one day will probably differ significantly from their stated daily performance objectives.

These ETFs often employ techniques such as engaging in short sales and using swaps, futures contracts and other derivatives that can expose the ETF, and by extension the ETF investors, to a host of risks. As such, these are specialized products that typically are not suitable for buy-and-hold investors. An exchange-traded managed fund ETMF is a new kind of registered investment company that is a hybrid between traditional mutual funds and exchange-traded funds.

Like ETFs, ETMFs list and trade on a national exchange, directly issue and redeem shares only in creation units, and primarily use in-kind transfers of the basket of portfolio securities in issuing and redeeming creation units. Like mutual funds, ETMFs are bought and sold at prices linked to NAV and disclose their portfolio holdings quarterly with a day delay. This structure may allow the product to provide certain cost and tax efficiencies of ETFs while maintaining the confidentiality of the current holdings similar to mutual funds.

Dividend Payments —Depending on the underlying securities, a mutual fund or ETF may earn income in the form of dividends on the securities in its portfolio. The mutual fund or ETF then pays its shareholders nearly all of the income minus disclosed expenses it has earned. At the end of the year, most mutual funds and ETFs distribute these capital gains minus any capital losses to shareholders. ETFs seek to minimize these capital gains by making in-kind exchanges to redeeming Authorized Participants instead of selling portfolio securities.

With respect to dividend payments and capital gains distributions, mutual funds usually will give investors a choice: the mutual fund can send the investor a check or other form of payment, or the investor can have the dividends or distributions reinvested in the mutual fund to buy more shares often without paying an additional sales load.

If an ETF investor wants to reinvest a dividend payment or capital gains distribution, the process can be more complicated and the investor may have to pay additional brokerage commissions. Investors should check with their ETF or investment professional. Investors should consider the effect that fees, expenses, and taxes will have on their returns over time. They can significantly reduce the returns on mutual funds and ETFs.

As with any business, running a mutual fund or ETF involves costs. Funds pass along these costs to investors by imposing fees and expenses. Shareholder fees are fees charged directly to mutual fund investors in connection with transactions such as buying, selling, or exchanging shares, or on a periodic basis with respect to account fees. Operating expenses are regular and recurring fund-wide expenses that are typically paid out of fund assets, which means that investors indirectly pay these costs.

Fees and expenses vary from fund to fund. If the funds are otherwise the same, a fund with lower fees will outperform a fund with higher fees. Remember, the more investors pay in fees and expenses, the less money they will have in their investment portfolio.

As noted above, index funds typically have lower fees than actively managed funds. The following discussion details the disclosure required in the fee table in a mutual fund or ETF prospectus. But, they may have several types of transaction fees and costs which are also described below. Fee Table: Shareholder Fees for mutual funds fees paid directly from an investment. A family of funds is a group of mutual funds that share administrative and distribution systems.

Each fund in a family may have different investment objectives and follow different strategies. Some funds offer exchange privileges within a family of funds, allowing shareholders to directly transfer their holdings from one fund to another as their investment goals or tolerance for risk change.

While some funds impose fees for exchanges, most funds typically do not. Bear in mind that exchanges have tax consequences. Fee Table: Annual Fund Operating Expenses annual expenses paid as a percentage of the value of an investment.

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What Type of Mutual Funds Should I Be Investing In? investing in mutual funds in usa

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