Questions tagged [mutual-funds]

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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-3 votes
0 answers
76 views

What is the safest way to do personal banking in crypto and how is that safety analyzed? [closed]

The main reason I am attracted to cryptocurrency is because I like the customizability of open source software. With normal currencies, banking is quite particular - going to the bank, talking to a ...
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1 answer
108 views

What are the advantages of ETF's over mutual funds? [duplicate]

I'm 65, still enjoying full time work, and have around US$900 in cash and mutual funds, following fixed asset allocation. In March 2023 I may start drawing $3000/month in social security and investing ...
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1 vote
2 answers
66 views

For mutual funds, does average annual return mean compounded annually or continually or daily?

Vanguard's Portfolio Allocations page (1926-2019) shows 9.21% Average annual return for 70% Equity and 30% Fixed income. Does this mean 9.21% compounded annually? GOAL... If at age full retirement age ...
  • 576
0 votes
2 answers
81 views

What would be the instrument/index with the most historical data available for something similar to TLT aka a bonds fund?

I would like to have as much historical data as possible regarding a bonds fund performance similar to the iShares 20+ Year Treasury Bond ETF (TLT). For now I have this source but it goes back to only ...
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0 answers
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How to find top stock holdings of Indian mutual fund using Google sheet

This article has much clear view on how to find price and create portfolio in google sheets. But i am unable to find anywhere how to get top 10 stock holdings of respective mutual fund. Is there any ...
2 votes
1 answer
101 views

at age 65 should I still keep $190k in traditional IRA mutual funds, or start moving it to non-IRA mutual funds? [closed]

And, I want to keep the full $190k invested. What are strategies that I should consider?
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1 vote
1 answer
145 views

High Yield Funds - How do they remain solvent when the balance sheet seems quite poor?

How do funds like PFL and PFN pay ~12% dividend yield and remain solvent? The balance sheets seem to show huge swings on profitability and I don’t believe these funds have assets they can deprecate ...
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0 answers
52 views

Approximately what percentage of the mutual fund industry have high water mark clauses?

While common in hedge funds, high water marks appear to be less common in mutual funds. But I'm not entirely sure about that. I've encountered a few mutual fund product contracts that make use of a ...
2 votes
1 answer
105 views

Do mutual funds get interest on the cash positions in their portfolio?

I am writing a paper about mutual funds and I was wondering if mutual funds get paid interest on the cash positions they have in their portfolio. If so, what kind of rate would this be? Do funds use e....
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1 answer
71 views

Actively Managed Funds or Index Funds [closed]

I am 40 and currently I am investing in the following funds. T Rowe Price (Actively Managed Funds) (Traditional IRA contribution POST TAX): Communications & Technology Fund - I Class TTMIX New ...
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1 vote
1 answer
77 views

Is this a good strategy to calculate Mutual Fund returns?

I am trying to track my mutual funds performance in a meaningful way. I tried using XIRR but my understanding of it is not entirely clear. So what I am alternately doing is for every individual ...
  • 113
4 votes
1 answer
253 views

Funds that approximate savings accounts

I have money in IRAs that I shouldn't take out to put into a savings account. I'd like to get a relatively safe 1.5-2% return on these, similar to what I might expect from a savings account in terms ...
25 votes
1 answer
6k views

What does 'mutual' mean in mutual fund?

I am confused on the usage of 'mutual'. Is there any 'mutual benefit' or 'mutual dependence' between the participants (unit holders) in a mutual fund? It looks more like a 'mixed fund' with diverse ...
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5 votes
1 answer
598 views

Short term tax or long term tax on non retirement mutual funds

I have been contributing to a mutual funds account (non-retirement) each month. Since, it is a non-retirement account I can pull out funds anytime I want. I want to ask if I pull out part of the funds ...
  • 749
3 votes
1 answer
126 views

Are mutual fund dividend information per month/quarter and also per share/dollar

I am wondering are mutual fund dividend information per month OR per quarter per share OR per dollar For example, fsdix
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5 votes
1 answer
1k views

Mutual fund historic prices, seen @ Google and Yahoo, don't match my activity

I'd like to understand, how should I interpret the VFIAX mutual fund historic prices, which can be found @ Google Finance and @ Yahoo!Finance. For example, both these sites show the VFIAX closing ...
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-1 votes
2 answers
45 views

If the expense ratio of a MF is decreasing over past few years, does that indicate anything?

If a Mutual fund has expense ratio, which is continously decreasing over past few years, does that mean anything? Does it show growth/decline of the fund? Is it good time to invest ?
1 vote
1 answer
59 views

Non Retirement Mutual Funds vs After Tax Traditional IRA [duplicate]

I have two separate accounts. One has non-retirement mutual funds invested in Index Funds and another is an after-tax traditional IRA retirement account invested in funds like media, communication, ...
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0 votes
0 answers
54 views

Can retail investors get hedge fund exposure from fund of funds?

I can understand the utility for institutions to get diversity/convenience from FoF (fund of funds) wrappers when they want exposure to hedge funds; can meet minimum investment thresholds easier that ...
1 vote
1 answer
96 views

Can I circumvent the minimum investment amount on mutual fund if I am gifted a share of that fund?

Vanguard has Information Technology Index Fund that require hefty $100,000 minimum to start investing. If a friend of mine donate(gift) me one share (current price $203.83) and I give him cash same ...
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0 votes
0 answers
30 views

How safe are investment in Mutual funds (in India)?

I am aware of the fact that investment in mutual funds (MFs) are linked to market and are subject to market risks. However, my question is what is the security on our invested amount from framework ...
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3 votes
1 answer
177 views

Analyze the probability of a porfolio increasing (or decreasing) by certain amounts

I would like to build a portfolio (of funds) which I don't need to manage often. In principle I am relatively happy to allocate the money in higher risk funds, since I don't plan on using it in the ...
0 votes
0 answers
56 views

Building a portfolio based on possible personal finance scenarios

I would like to start a portfolio of assets which I don't have to manage day to day. I don't have a specific savings goal in mind but have a number of scenarios where I might want to withdraw money. E....
0 votes
1 answer
34 views

What is the reason for higher returns in ELSS mutual funds when compared to other flexi cap equity mutual fund?

In general, how does ELSS mutual funds generate higher returns over long term (say 5 years or so) when compared to flexi cap mutual funds? As far I know, in general both the segment of mutual fund ...
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-1 votes
2 answers
95 views

What's the difference between a conventional index mutual fund and a non-conventional index mutual fund?

I read the term "conventional index mutual funds" in several places. E.g., https://investor.vanguard.com/etf/faqs: Similar to conventional index mutual funds, most ETFs try to track an ...
2 votes
0 answers
61 views

How do I figure out how much of a given stock I have in my portfolio of mutual funds and ETFs?

If I own mutual funds or ETFs at some level of investment, which in turn own individual stocks, what is the easiest way to tell how much of each individual stock I own? I use Quicken, so it would be ...
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1 vote
0 answers
55 views

Momentum strategies as a private investor [closed]

I like to invest in a fund or ETF that invests itself according to the momentum strategies described in the paper by Jegadeesh and Titman, i.e. investing into stock with recent strong performance and ...
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1 vote
2 answers
151 views

Why do ETFs usually generate fewer capital gain distributions overall than mutual fund?

I read on Investopedia that: Comprehensively, ETFs usually generate fewer capital gain distributions overall which can make them somewhat more tax efficient than mutual funds. Why do ETFs usually ...
2 votes
1 answer
47 views

Mutual Fund: Dividends vs. Distributions

Take an actively managed mutual fund that trades stocks including dividend-paying ones. The fund can make money in 2 ways: Receive dividends from dividend-paying stocks Sell stocks above cost for a ...
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6 votes
2 answers
392 views

Vanguard converted many investor shares to institutional shares for their target date retirement funds: why did it create a capital gain distribution?

I read (mirror without paywall) that the fact that Vanguard converted many investor shares to institutional shares for their target date retirement funds in September 2021 created a huge capital gain ...
1 vote
1 answer
80 views

High Expense Ratio and High Return vs Low expense ratio and low return

I am currently investing in a Traditional IRA account using T Rowe Price. The two funds I am investing are as follows: Global Technology Fund (PRGTX) Gross expense ratio - 0.86% Average Annual Total ...
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7 votes
5 answers
3k views

Role of fees in mutual funds: Is it exaggerated?

It seems to me that the role of fees in mutual funds is somewhat exaggerated. Say, if funds A and B charge 1.3 and 0.3 percent, respectively, and over a period of 10 years the annualize return of A ...
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2 votes
4 answers
1k views

Fidelity funds vs S&P 500 (Is fidelity just "bad" at managing money?)

I invested a bunch of money around March (~9 months ago) in a Roth IRA. I am getting ready to rebalance, and put more money in this January. I was very attracted to Fidelity's ZERO funds, and put some ...
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0 votes
2 answers
89 views

When direct bonds investment is better than investment in debt funds?

Some good company (say SBI) bonds have coupon rate of 9%. Q1. Does this imply that we can better invest in such bonds instead of debt funds (which have < 9% returns)? Or should I rephrase: why ...
1 vote
1 answer
118 views

Understanding how bond prices change

I came across following statement regarding Indian debt funds in ValueResearch ebook: The RBI announced retracting ₹2 lakh crore of banking funds through a 14-day reverse-repo operation in January ...
0 votes
1 answer
91 views

How we earn from debt funds?

I was guessing how we earn from debt funds. I know the underlying bonds pay back interest. But I want to know how exactly we earn from debt funds. I know how NAV of the fund increases in decreasing ...
1 vote
1 answer
146 views

Does Fidelity have equivalent ETFs of VFIAX and VDADX [closed]

I noticed that fidelity charges a fee for buying: Vanguard Index Admiral Fund (VFIAX) Vanguard Dividend Appreciation Fund (VDADX) Does fidelity have equivalent funds of the above that I won't be ...
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0 votes
1 answer
172 views

Possible ways to recover Mutual fund return (India)

In year 2003(I was a teenager), my uncle took some of my money and invested it under my name on mutual fund in India. Now in 2021, I want to know it's return. Unfortunately, neither him nor I have any ...
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1 vote
1 answer
171 views

Why do some Vanguard Admiral Shares have higher expense ratios? [duplicate]

My understanding of Vanguard "Admiral Funds" is that they charge lower management fees (have lower expense ratios) in exchange for there being a minimum investment amount. However, it seems ...
1 vote
2 answers
104 views

Investing in funds via broker, funds in brokers name not mine

As the question states. I am considering investing in funds via a local broker who has quite a good reputation. It was pointed out to me that the funds, eg. BlackRock, would have no record of my name. ...
0 votes
1 answer
76 views

Why shouldn't I hold onto debt funds for a long term?

(I'm in India) I've heard that debt funds should ideally be redeemed in 3 to 5 years. If the money is to be invested for a longer duration, equity funds are to be used. Is that valid? If so, why? I ...
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0 votes
2 answers
141 views

Could trading mutual funds be less expensive than ETFs?

I see there some mutual funds are no-transaction-fees NTF and no-load (or load-waived), the expense ratio of some of them is ~1% just like some ETFs, are both the same or trading (short term ...
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0 votes
1 answer
75 views

Should I switch my investment from one mutual fund to other? What should be the mathematics behind it?

Take an example of two mutual funds: A and B. For simplicity, following are assumptions: Both funds always perform exactly same (same fall or same growth depending the direction of market). Let us ...
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-1 votes
1 answer
144 views

Should I enable trading?

While looking for Vanguard 500 Index Fund Admiral Shares (VFIAX) on IBKR I landed at: And the Enable Trading at the bottom caught my attention. Do we negotiate this in a different way than i.e. VOO ...
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1 vote
1 answer
91 views

Vanguard 500 Index Fund ETF, fixed income? [closed]

It seems some ETFs pay dividends other are fixed income. How can I know the one I'm interested in (i.e. Vanguard 500 Index Fund ETF) pays dividends or have fixed incomes?
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1 vote
6 answers
172 views

Can buying mutual funds that performed best in the past 10 years work?

It seems one method to invest, without using much brain power, is to say, at the beginning of each month, if we have $500 to invest, then just look at the list of the best performing mutual funds over ...
2 votes
3 answers
97 views

Do we get the "deferred tax" property like an IRA or 401(k), when we buy a mutual fund?

Although mutual funds (in USA) tend to move their position very slowly, but after 10 years or 20 years, that'd be more. For example, if we buy a mutual fund in year 2000, and they invested in ...
2 votes
2 answers
88 views

Will I get the mutual fund/etf monthly distributions from the first month I invest in?

If a mutual fund or the etf gives distributions on a monthly basis, Will I get the distributions from the first month I invest in?
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0 votes
1 answer
104 views

If a mutual fund or etf closes the fund, what will happen to my investments?

If a mutual fund or etf closes the fund, what will happen to my investments? Will it sell all the investments at the market price -at the time the fund/etf decided to close- then it gives every ...
  • 837
0 votes
3 answers
122 views

What are the factors on should consider before investing in Mutual funds or subscribe a SIP

I'm in early stage and trying to build my finance. I'm checking various Mutual funds and some of them have very good returns ~18%. But I want to consider other factors like expense ratio and other. ...

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