To be used for any questions on mutual funds. For index based funds question the Index-fund tag should be used.
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64 views
Move from Stockholm to Ireland
I live in Sweden but plan to move back to Ireland in a number of years. When I can't say exactly but hopefully within 5 years. I'm 32 years of age, with a wife and 2 children. We earn 70k euros ...
4
votes
1answer
134 views
Where to find the 5 or 10 year returns for a mutual fund?
I’m researching some mutual funds and am trying to find the 5 or 10 year return. However, all I can find is the YTD return.
For example, Yahoo Finance shows the Yacktman Focused Svc (YAFFX) has an ...
2
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3answers
124 views
Long term saving: Shares, Savings Account or Fund
I'm reasonably disciplined with regard to saving but am unsure as to how exactly I should go about it on a long term bases. Should I favour shares, funds or long term saving accounts? What are the ...
7
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2answers
213 views
How can I replicate Vanguard's Total Stock Market Index using their S&P 500 and extended stock market funds?
I want to approximate the total United States stock market with part of my 401(k). I have access to two low-cost index mutual funds: VIIIX, which tracks the S&P 500 (large cap), and VIEIX, which ...
8
votes
1answer
137 views
Index mutual fund “minimum initial investment” inside a Roth IRA?
When a fund says its minimum initial investment amount is $2500, does that mean I need $2500 in my Roth IRA account to trade that fund? If so, would I need $7500 total in my Roth IRA account to trade ...
3
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1answer
72 views
Why doesn't a mutual fund in my 401(k) have a ticker symbol?
For my 401(k), I am trying to diversify while avoiding high expense ratios. Luckily among my investment choices are the Vanguard Target Retirement date funds which have fairly low expense ratios ...
4
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2answers
83 views
401(k) Investment stategies
I am a new grad and I just started working for a company. They offered me a 401(k) with a very good matching. So I decided to invest some of my income as I am single. I was taken by surprise by how I ...
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1answer
54 views
Why are mutual fund dividends and capital gains reinvested at different prices on the same date?
Consider the following mutual fund statement.
The fund reinvested both capital gains and dividends on the same date, yet the reinvestment cost per share is different for the dividends than it is ...
8
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2answers
192 views
If low-cost index funds are considered the best investment, why are there so many high-cost, managed funds?
The general consensus is that the single best indicator of a fund's future performance is the its expense ratio (source). If you look for more than 5 minutes online you discover the Bogleheads ...
12
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6answers
442 views
Why is the dominant investing advice for individuals to use mutual funds, exchanged traded funds (ETFs), etc
The dominant advice on this site (including that which I give to novices) regarding investing is to only invest in fund vehicles (mutual funds, ETFs, etc), rather than in individual stocks.
Why is ...
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1answer
65 views
Where can I find accurate historical distribution data for mutual funds?
I've used Yahoo! Finance to get historical price and dividend data in the past. A recent experience has made me question its accuracy and left me searching for a trusted, accurate source.
Here is a ...
2
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1answer
77 views
Is there a problem with buying small amounts of a no-fee mutual fund every two weeks?
I am treating my HSA as a retirement account. To max it out I contribute about $100 every pay period (roughly every two weeks) pre-tax, plus employer contributions sprinkled in occasionally. Once I ...
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1answer
93 views
Bid/ask spreads for index funds
Let's assume for simplicity that each company in the S&P 500 has the same market capitalization, and has a share price of 1$. Further, assume the fund allocates 1% for operation costs. So when I ...
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1answer
39 views
Does ownership of a mutual fund in another account sufficient to buy more if it is “closed to new investors?”
I would like to purchase shares in a mutual fund that has closed itself to new investors. The account in which I would like to purchase the shares is in my current employer's retirement plan. I ...
1
vote
1answer
190 views
How to determine mutual fund or ETF capital gains taxes in Canada?
I live in Canada. I invest with TD Waterhouse, but I believe my question is unrelated to my specific broker.
Over the course of 2011 and 2012, I invested in a mutual fund indexed to the S&P/TSX ...
7
votes
2answers
173 views
Is there any real risk in having all mutual funds with the same brokerage?
My retirement accounts (Roth IRA and traditional 401k) are with Fidelity. In the unlikely even that Fidelity goes under, what happens to my money - is it gone? If so, does it make sense from a risk ...
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1answer
66 views
How to calculate the total managing/transaction/etc costs of an index ETF and an index mutual funds?
I am considering to passively invest my savings, and I am deciding between an S&P 500 ETF or S&P 500 mutual fund. Yet, I am not sure what to look for in each option and how to calculate the ...
2
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2answers
223 views
How is exit load calculated in case of SIP in mutual funds?
Assume I invest Rs.1000 on the 1st of January in a mutual fund that charges an exit load of 1% for redemption within 1 year. After 6 months I invest Rs.500 more in the same fund.
Now how much would ...
7
votes
1answer
111 views
Why are the administrative fees for the three biggest donor-advised funds identical?
Fidelity, Vanguard, and Charles Schwab—the companies that run the three largest donor-advised funds—all charge exactly the same administrative fee to small investors: 0.6% a year on the first ...
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2answers
119 views
Mutual Funds Definition and Role
So mutual funds are funds which have exposure to a variety of assets to reduce the risk. But there are mutual fund companies (like BlackRock) in which people can invest into, and they determine a ...
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2answers
44 views
How do I get a list of the top performing funds between two given dates?
Between dates X and Y return a list of the top performing funds, indexes, ETFs, etc for that date range.
i.e. if a lump sum had been invested at date X, a list of which funds had the top performance ...
3
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1answer
73 views
Comparing an Income vs Growth fund
Looking at FRIFX vs FRESX - the former is an income REIT, the latter a capital growth fund.
Does the view at Google Finance compare the performance of both funds assuming all dividends from the ...
6
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1answer
133 views
Starting off as an investor
For 2 years I am alternating between 4 months of work and 4 months of school, so for the first time in my life, I have a lot more money than I need. I will be graduating in 15 months and am looking ...
2
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1answer
78 views
Individual Investor Safe Reinvest Gains Strategy?
This hasn't been well thought through, but would the following strategy -- over time -- minimize risk in the market and work towards guaranteeing a higher rate of return?
Let's assume a principal ...
0
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1answer
76 views
What else besides fees should I consider in rebalancing my fund portfolio's asset allocation?
My portfolio is currently $10k invested in VWNFX. I also have a 401k (contributing about $13k/year) and an emergency fund. But for the purposes of this question I am just talking about my ...
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2answers
67 views
Where are open-end funds traded?
From Wikipedia, I learned that close-end funds and ETFs are traded over exchanges, and open-end funds are not.
I wonder where open-end funds are traded? Thanks!
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1answer
129 views
Does the expense ratio of a fund-of-funds include the expense ratios of its holdings?
Suppose a mutual fund invests only in other mutual funds, instead of investing in stocks or bonds directly. Does the reported expense ratio of that fund include the expense ratios of the funds it ...
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1answer
94 views
Can a mutual fund have 1099-INT form
In my investment account, there are holdings
in a mutual fund and
in a money market.
The 1099-DIV form of my account has the following nonzero items:
Total ordinary dividends (qualified ...
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vote
1answer
214 views
Difference between 1099-DIV and 1099-B forms
I was wondering about the differences between 1099-DIV and 1099-B forms.
In the case of mutual funds,
Is 1099-DIV for reporting investment income due to trading of the
securities in a mutual fund, ...
1
vote
2answers
91 views
Timing of selling shares of mutual funds with respect to tax and investment income distribution
When planning to buy shares of a mutual fund, if I understand correctly, it is better not to buy at a time right before the fund distributes its investment income to its shareholders, since the new ...
1
vote
2answers
209 views
Net loss not distributed by mutual funds to their shareholders?
From Wikipedia
Mutual funds pass taxable income on to their investors annually. The
type of income they earn is unchanged as it passes through to the
shareholders. For example, mutual fund ...
0
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1answer
67 views
How to understand expenses matter relative to investment type for mutual funds?
From Wikipedia
Expenses matter relative to investment type
There are three broad
investment categories for mutual funds (equity, bond, and money market
- in declining order of historical ...
3
votes
1answer
133 views
How do hedge funds work?
I understand the basic idea of hedging - buying contracts on something today hoping it will help flatten costs over the long run (eg what Southwest did in the late 90s and early 00s when they bought ...
3
votes
2answers
122 views
Where to find historical hedge fund returns?
Where can I find historical hedge fund return information? Are there any free resources?
4
votes
1answer
145 views
When you buy mutual funds through a broker, where are the shares held?
This question arises from a previous one regarding managing all one's investments from one screen on a brokerage house's web site, and a recent answer by @Patches regarding segregation of the ...
7
votes
2answers
193 views
What are these fees attached to mutual fund FSEMX?
Could somebody please explain these fees attached to FSEMX?
Annual Report Expense Ratio (net)
Prospectus Net Expense Ratio
Prospectus Gross Expense Ratio
Finance.yahoo.com indicates that they are ...
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2answers
5k views
What Mutual Funds does Dave Ramsey Invest in?
Heard Dave Ramsey speaking the other night on his growth mutual fund strategy and he mentioned reading one of his fund's prospectus and said this fund had a 78 year history and 11.94% average return ...
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2answers
414 views
Is it possible to manage my multiple accounts and my wife's multiple accounts as a single portfolio with TD Ameritrade?
Is it possible to manage my multiple accounts and my wife's multiple accounts as a single portfolio with TD Ameritrade's online tools? I would like to do easy asset allocation across all those ...
1
vote
1answer
78 views
How to research an obscure Mutual Fund and how “legit” it is?
I am considering investing in a Mutual fund that has great returns (beating the SP500 index by 3x over 2,5,10 years) but it's somewhat obscure, not carried by Vanguard or Fidelity. This gives me some ...
3
votes
2answers
469 views
What are short-term fairly liquid investments with attractive yields?
I am looking for fixed-income investments or investment strategy that offer quarterly liquidity and attractive annual effective yields and low risk (i.e. holding the security for a a quarter should ...
6
votes
2answers
98 views
How are active ETFs possible?
I'm having trouble wrapping my head around how it's possible to have these new active ETFs. How do they operate, realistically?
I mean, the point of ETFs (as a structure) is that arbitrageurs can ...
8
votes
2answers
95 views
Socially responsible investing accreditation
I've found some "socially responsible" funds that I'm interested in investing in. I have no idea how to tell if they're a scam though. Is there an accreditation agency or something similar which can ...
3
votes
0answers
72 views
Foreign tax credit carryover w/o having filed previously?
I owned VGTSX for years now but only in year 2011 was it a requirement for me to file taxes.
Can I claim foreign tax credit carryovers for past years even though I didn't file taxes during those ...
3
votes
1answer
133 views
Do all ETFs fall under the Investment Company Act of 1940?
Do all ETFs fall under the Investment Company Act of 1940? If not, how would a buyer know? Are there legal or financial terms to look for in the prospectus, or will be it spelled out explicitly?
2
votes
1answer
663 views
What exactly are minimum subsequent investment requirements?
I was looking at some mutual funds that list amounts for "initial" and "subsequent" investments under the "minimum investment" category. At first I thought that the "subsequent" requirement meant ...
8
votes
2answers
364 views
How do expense ratios work?
Simple question - how do expense ratios work? Is there a fee that is calculated regularly, and the amount is taken out of my account? Is it subtracted from the funds earnings?
Context:
My work has ...
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2answers
160 views
Which brokers offer the largest selection of mutual funds?
I use Morningstar for mutual fund picks, but my broker (Merril Lynch) does not offer many of them. It's a pain because sometimes they don't offer good fund alternatives.
Is my only option to move to ...
4
votes
1answer
49 views
Should I have be worrying about selling a mutual fund before keeping it 1 year in an IRA account?
I am considering selling a mutual fund in a Roth account that I have had for less than a year. Since Roth and traditional IRA accounts are tax sheltered and capital gains only apply when distribution ...
0
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1answer
25 views
Understanding company pension plan monthly purchase of funds
A pension based on funds.
What does it mean to add £500 a month to a pension based on funds? Does that mean, I will own an additional £500 worth of that fund each month based on how much of the fund ...
6
votes
3answers
145 views
When to hire an investment professional?
I have a large (on the order of several year's worth of pay) amount of money currently invested in a few mutual funds that collectively match my suggested asset mix (based on risk tolerance and ...
