Managed investment funds are designed to offer the potential for high returns. Using some of the world’s leading investment managers, WealthCap funds aims to deliver high returns and diversification. WealthCap funds are long term investments, each of which is designed to build a diversified portfolio, with funds covering a range of asset classes, management styles, sectors and geographic regions.
Professionally, managed investment funds pool money of numerous investors (for example, unit trusts and insurance bonds). Money is what everybody is running after. It is the only thing that people seem to be bothered about. People are not satisfied with what they have and there is a constant strive to earn more. And once you acquire these funds, the next question that strikes you is: what to do with this money?
That is the irony of the situation. Hence, the only other alternative that is left if you do not consider hoarding and splurging is investment. Be it real estate, property or the stock market, people invest their money in these things, which ensures them a fair amount in return.
Managed investment funds is when many people pool in their money in a single investment to acquire assets of high value, but the ownership remains with one individual. We will now assess the benefits and the risk factors associated with managed investment funds for the benefits of most who have heard about managed funds but do not exactly know what it is.
Benefits of Managed Investment Funds:
The main benefit of managed investment fund is definitely that it provides a platform to the investor to invest in areas, which probably he would have never given a thought. With professional help at hand, one tends to be more relaxed while investing, since expert professionals back them. There are innumerable funds, which are present in the market each tailor made according to the preferences of individuals and thus one can pick and choose among the funds. Some of these funds are a little riskier than others, but the very fact that these funds ensure a constant income over the years coaxes the investor to pool in his monetary resources.
Investment management has assumed high [popularity in Australia now days. Be it Sydney, Brisbane, Melbourne or Perth, you will find people curious about investment funds.
However, the greatest advantage of these funds is the professional help that one gets from these funds. They have good contacts with people outside the firm and have access to information, which helps them take timely decisions, in favor of the investment by investors. In case you are among the ones who are interested in investing in these funds, go ahead, but read the risk factors carefully before investing.
For more details please visit www.wealthcapfund.com
Mark Plummer
http://www.articlesbase.com/investing-articles/managed-investments-funds-offer-high-returns-135387.html
My 401(k) has lost 44%. Please assist in re-balancing my fund allocations, or confirming my current choices.?
My work sponsored 401 (k) has lost approx. 44 percent YTD this year, and while I know that I am by far not alone in this regard, I was reviewing my asset allocation to determine if I need to re-allocate my dollars. If any of you are savy in this regard, and would care to help and offer your suggestion and reasoning, I would appreciate it.
I am 27, and would consider myself a risk taker, so don’t mind high risk tolerance investments…and obviously (and unfortunatle) have a while until retirement…but I also don’t want to throw good money after bad.
Here are the options my work offers for my 401(k) plan, with their cummulative 3 month and YTD returns in the following format (Investment, 3 Month cumm return, YTD return, As of Date)
Stock Investments
Large Cap
* DODGE & COX STOCK -12.10, -26.05, 09/30/2008
FID BLUE CHIP GROWTH -9.22, -18.41, 09/30/2008
FID FIDELITY -14.14, -22.87, 09/30/2008
FID GROWTH & INCOME -14.30, -30.95, 09/30/2008
* FID GROWTH COMPANY -18.31, -22.78, 09/30/2008
FIDELITY MAGELLAN -21.27, -30.61, 09/30/2008
* SPTN US EQ IND ADVAN -8.36, -19.29, 09/30/2008
VANG PRIMECAP CORE -8.65, -13.23, 09/30/2008
Mid-Cap
FIDELITY LOW PR STK -12.17, -19.48, 09/30/2008
* VANG CAP OPPS ADM -13.87, -20.06, 09/30/2008
Small Cap
TRP NEW HORIZONS -7.31, -17.31, 09/30/2008
VANG SM VAL IDX INV 1.51, -8.72, 09/30/2008
International
* AF EUROPAC GROWTH R5 -17.99, -26.16, 09/30/2008
AF NEW PERSPECT R5 -14.72, -22.36, 09/30/2008
* FID DIVERSIFIED INTL -20.84, -28.50, 09/30/2008
Specialty
VANG REIT IDX INST 5.34, 1.92, 09/30/2008
Blended Fund Investments:
FID ASSET MGR 50% -9.15, -15.32, 09/30/2008
FID BALANCED -12.63, -18.34, 09/30/2008
VANG TARGET RET 2005 -5.26, -8.57, 09/30/2008
VANG TARGET RET 2010 -6.32, -11.23, 09/30/2008
VANG TARGET RET 2015 -7.13, -13.17, 09/30/2008
VANG TARGET RET 2020 -7.87, -14.66, 09/30/2008
VANG TARGET RET 2025 -8.66, -16.25, 09/30/2008
VANG TARGET RET 2030 -9.46, -17.73, 09/30/2008
VANG TARGET RET 2035 -9.92, -18.60, 09/30/2008
VANG TARGET RET 2040 -9.87, -18.55, 09/30/2008
VANG TARGET RET 2045 -9.90, -18.56, 09/30/2008
VANG TARGET RET 2050 -9.88, -18.57, 09/30/2008
VANG TARGET RET INC -4.21, -5.77, 09/30/2008
Bond/Managed Income
Stable Value
FIDELITY MIP II CL 3
7 day yield as of 09/30/2008 3.69% 0.94 3.10
Income
MGRS FREMONT BOND
7 day yield as of 09/30/2008 N/A% -3.45 -2.40
MY CURRENT ASSET ALLOCATION ARE ALL IN THE FOLOWING STOCK FUNDS:
LARGE CAP DODGE & COX STOCK 30%
LARGE CAP SPTN US EQ IND ADVAN 20%
MID-CAP VANG CAP OPPS ADM 20%
INTERNATIONAL AF EUROPAC GROWTH R5 10%
INTERNATIONAL FID DIVERSIFIED INTL 20%
Total: 100%
Any help with new or better allocation would be helpful, or if it is worth it to take the losses now for future reward, I am not opposed to keeping as is. Also, if you would suggest a change, would you suggest leaving my current holdings as is…and only changing where I invest future contributions, or taking the money out of my holdings in the above funds and putting the dollars into new places?
Thanks!
- To clarify, I did not put this post on here in search of the one person who can predict the future and tell me what my 100% certain returns would be under each choice. I do however freely admit that there are others out there more experienced in 401k decisions than I am who might be able to offer an opinion to a young guy, not close to retirement, and willing to take the risk of investing in stock funds. I thank those of you who can offer such advice.
Nobody can tell you where to put your money to get the highest return. If anybody knew, we would all put our money there and be rich in a few months. Do your own research about the different companies, any suggestions are only opinions.. My opinion, buy star bucks and winnebago.. but that is just me…. I think both are way under valued.. that is just me..
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I would leave it alone….when the market comes back, that will jump back up….
Remember you still have the same number of shares, they just aren’t worth as much right now…
the high risk stuff is cheap right now, i would continue on…
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You’re 27 – you have tons of time before retirement. Now’s the time to be agressive. I’d leave it alone. It might well go down more before it comes back up, but if you pull out now you lock in some pretty large losses. And continuing to put money into the same funds allows you to dollar cost average, and buy in cheap right now.
Good luck. Anything you do is a guess, But getting conservative now, when the market has lost so much and at your age, doesn’t make much sense to me. If thing are still this crazy in another two years, I might take a different attitude.
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You have good funds. They all have low expense ratios.
You need some bond exposure. Even 10% will help. Unless you have some money in bonds you are NOT diversified. Even if you think you have a high risk tolerance:
If you want I can enter your portfolio into Morningstar’s portfolio tool and X-ray it, or you can do it yourself.
Also, see what would have happened to your returns had you done this:
LARGE CAP DODGE & COX STOCK 30%
LARGE CAP SPTN US EQ IND ADVAN 20%
MID-CAP VANG CAP OPPS ADM 10%
INTERNATIONAL AF EUROPAC GROWTH R5 10%
INTERNATIONAL FID DIVERSIFIED INTL 10%
VANG REIT IDX INST 10%
FIDELITY MIP II CL 3 10% (stable value)
Total: 100%
You could also buy the Vanguard target retirement date fund. If it’s too tame for you, keep out 10 – 20% for a stock fund.
Also, read this and make sure there are no hidden fees in your 401k:
http://www.kiplinger.com/magazine/archives/2007/02/401k.html
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