Comments on: All about mutual funds (repost)

By: Wfgmlwlh

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By: Paul Meyer

Paul Meyer — Thu, 24 Aug 2006 06:38:12 +0000

Hi. Dude! It seems like you have some really negative visitors come to this page expecially that first comment I would re-comment on saying its attitude not his girlfriend that his going to make his life more rich.

I was going to comment that Mutual Funds are not the best investment for young people and Fund Managers basically take your money. I am pro online discount brokerage service and educate yourself about the Options market and Covered Calls. I got started seriously as a business buying and selling options at age 23 when I went to a party and someone referenced me to meet this multi-millionaire options and stock investor. Boy was that the best decision I ever made. The market is starting to get bearish and mutual funds don’t make money for you when the market goes does, but Options DO.

Cheers,
Paul

By: Jason

Jason — Thu, 20 Apr 2006 17:01:55 +0000

I’m a big fan of index funds and have seen great returns with them as long as I’ve followed them. I think the reason more people don’t invest in them is a)they don’t know about them – a broker’s not going to tell you about an option with lower fees and b)people are lazy – they’d rather give their money to someone else and let them worry about it when in reality an index fund takes care of itself. I’ve told many people that if they’ve got some money to invest and they really want to invest in the stock market, that index funds are the way to go – it’s a great way to get your foot in the door.

By: Victor

Victor — Thu, 20 Apr 2006 16:43:32 +0000

Also, no-load funds have no load (duh ), but sometimes the operating costs can be pricey. I wish I had included that in my original comment.

By: Aaron W. Thorne

Aaron W. Thorne — Thu, 20 Apr 2006 15:51:49 +0000

Ramit’s comments on Socially Responsible funds are accurate, from my experience. My IRA includes a Socially Responsible Fund, and it generally underperforms my other investments in the same category (large cap domestic) by a few percentage points. This has been consistent since I purchased it.

By: Ramit Sethi

Ramit Sethi — Thu, 20 Apr 2006 15:15:00 +0000

First of all, let me say that I love the idea of inviting me to mock you. Unfortunately, you have a pretty good question so I will reserve it for someone who asks something dumb. I've written about socially responsible investing before, and you can also do a search for "socially responsible investing" on Google.

By: saleem

saleem — Thu, 20 Apr 2006 12:53:47 +0000

Do you know anything about so-called “socially conscious” mutual funds/indexes? The idea of investing in companies that have been screened to be not involved in say, tobacco or land-mine production, sounds appealing to me… Feel free to mock me if I’m being hopelessly idealistic/naive

By: Ramit Sethi

Ramit Sethi — Thu, 20 Apr 2006 06:27:11 +0000

RP: The problem is that nobody knows how far something will go up or down until much later. People who try to time the market are usually wrong, and I mean that in a very real, statistical sense.

By: Judah L.

Judah L. — Thu, 20 Apr 2006 05:19:44 +0000

Very thorough review Ramit! Jack Bogle (Vanguard founder) believes there are very few things an investor can control with respect to the markets… but one of those things you can control for is expenses. Keep expenses low, returns will be higher. But Bogle doesn’t practice a strict asset allocation strategy….check out my comments (archived) on his portfolio if interested.

By: RP

RP — Thu, 20 Apr 2006 01:49:32 +0000

I’ve always figured that an actively managed fund is better when the market is going down – when it’s going up, everyone wins (more or less), but when it’s going down, a good fund manager could help limit the damage. I have no data to back that up, just something in my head. Thoughts?