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Ulli G. Niemann - ArticlesLies, Damn Lies and Mutual Fund Returnsthe story is to look past the surface and don’t take any numbers thrown at you at face value. Remember, most people returning from a weekend in Las Vegas will shout about their winnings and mumble about their losses. How to Beat the Mutual Fund Companies at Their Own Gameuse a well performing mutual fund during strong up trends and get over to the sidelines during trend reversals. (That's exactly what I did for my clients in October, 2001, and we retained the lion's share of their profits while Buy & Holders kept insisting the emperor was wearing new clothes.) Pretty soon you will feel that you are in charge of your financial destiny and any chosen mutual fund is merely a tool to bring you closer to your goals of maximizing your gain and minimizing your losses. Rolling your 401k: Contributory IRA Vs. Rollover IRARollover IRAs offer opportunities to maximize benefits and provide flexibility not usually available with employer 401k plans. Prospering With Mutual Funds: How Anyone Can “afford” an Investment AdvisorThere are only two ways an individual can invest in mutual funds: Selecting and investing themselves or using outside help. If they use outside help they’ll have a couple of choices again: A commissioned salesperson (broker, financial planner or Registered Representative) or a fee-based investment advisor. No Load Mutual Funds: Investment Hype Vs. Investment HelpWhether you’re into stocks, bonds, mutual funds, futures or options, there are tons of electronic investment newsletters offering to turn your small stake into a giant fortune. All you need to do is subscribe and watch your portfolio soar. Buy and Hold: How to Perpetuate your Investment LossesJudging from the reader’s e-mail it appears that he works for a major bank and is adamant about Buy & Hold and Dollar Cost Averaging. Maybe it's the approach he has chosen and he doesn't like hearing that the emperor is wearing no clothes. Nothing personal, honestly, but I find it incomprehensible that anyone, after the bear market and the financial disasters most people experienced, can even consider such theories. The results are just too black & white. No Load Mutual Funds or Exchange Traded Funds (etfs)?In a nutshell, an ETF is a specific kind of no-load mutual fund that you might consider to be a basket of stocks. ETFs are diversified like mutual funds, only they trade like stocks. They are cheap to trade (as low as $8.00) and don’t hit you with any short-term redemption fees. And they offer investing opportunities across the board. How (not) to Buy Mutual FundsWhen it comes to mutual funds, there is a lot more to success than just finding a good one. Sad investment stories like the following are all too common. I hope my sharing it with you will help you avoid making the same devastating financial mistake one of my former clients made. How to Maximize your 401k Mutual Fund ReturnsWhen it comes to 401k's there is an overabundance of sad stories. Here is one that at least has a happy ending—and it's getting happier all the time. How to Evaluate Load Vs. No Load Mutual FundsLoad fund vs. No Load mutual fund shouldn’t be the issue. Having a methodical plan and reliable advice as to when to buy and when to sell is far more important and will help you to secure a prosperous financial future.
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