| "If you don't act now while it's fresh in | | | | typical savings account would give you.Income |
| your mind, it will probably join the list of | | | | funds offer its investors a regular income |
| things you were always going to do but never | | | | usually paid out in the form of monthly |
| quite got around to. Chances are you'll also | | | | dividends. This is why this type of |
| miss some opportunities." -Paul | | | | investment is called a fixed income fund. |
| ClitheroeThere are so many choices for | | | | The investment is usually in debt management |
| investors when it comes to mutual funds. | | | | of the government or large corporations. |
| Which is great because investors do not have | | | | Most people who invest in income funds are |
| to settle on investments which almost meet | | | | investors who are extremely conservative or |
| their financial goals and risk levels. They | | | | people in their retirement years. Income |
| can find a mutual fund that is a customized | | | | funds have a higher rate of return then money |
| fit to their investment style. In the | | | | market funds but they do carry more risk with |
| northern hemisphere alone, there are over | | | | them.Balance funds offer the investors just |
| 10,000 mutual funds available that investors | | | | the right mix of income, low risk, and |
| can choose between. There are more funds | | | | appreciation. The goal of this type of fund |
| then stocks. Each type of mutual fund has | | | | is to invest in a combination of all types of |
| its own level of growth, risk, and rate of | | | | stocks to achieve a balanced and profitable |
| return. In addition, each fund has already | | | | investment portfolio. Most financial experts |
| established investment goals, industries, and | | | | suggest that balance funds should be 60% |
| investment techniques. There are three basic | | | | equity and 40% income.Equity funds are what |
| types of mutual funds - equity funds, fixed | | | | most people think of when they hear the term |
| income funds, and money market funds.Money | | | | mutual fund. This type of investment is long |
| market funds are usually short term | | | | term and the goal is to slowly increase |
| investments. Money market funds are similar | | | | capital over a number of years. As |
| to Treasury Bills. This is an extremely safe | | | | retirement approaches more equity funds allow |
| investment and there is almost no risk | | | | the investor to draw an income each month |
| associated with investment in money markets. | | | | from the fund.Visit the Global Investment |
| This is perfect of the investor who has an | | | | Institute and signup for our free Investing |
| aversion to risk. However, remember with | | | | For Beginners E-Course at webmasters or |
| little risk come a small rate of return. A | | | | publishers, please feel free to use this |
| good way to balance that is to put a larger | | | | article provided this reference is included |
| sum of money into a money market fund. The | | | | and all links remain active. |
| rate of return is usually double what a | | | | |