| Subject | Date Asked | Expert |
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| Rate Of Return & Total Return | 9/1/2005 | John D Smith, CFP |
Q: Is there a difference between rate of return and total return on an investment? Perhaps you can ...
A: Both terms are used to provide and investor with a benchmark of performance. Depending on the ...
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| Splitting between mutual fund companies? | 7/21/2005 | Warren Boroson |
Q: is there any real danger to having all of my stocks and bonds invested via one company (e.g., all ...
A: I would not keep all of my money in one fund family. But not for safety reasons. Keep in mind that ...
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| Safety when in investing in mutual funds | 7/21/2005 | Dr. Joseph de Beauchamp |
Q: Dr. de Beauchamp, is there any real danger to having all of my stocks and bonds invested via one ...
A: Paul, Rest easy. SPIC insurance never received the test yet. It has been more stable in the ...
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| finnance | 7/7/2005 | Docs99 |
Q: I am wondering is the above answers correct. I'm stuck on the last question and would like some ...
A: If you are using the correct formulas with the number of payments per year and bearing in mind that ...
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| Selling shares of a bond fund that accrues dividends daily. | 6/27/2005 | John D Smith, CFP |
Q: I'm passing this question your way since you offer to "answer detailed questions regarding mutual ...
A: Like all mutual funds, the NAV of a bond mutual fund at the end of each day is a function of the ...
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| mutual funds working internationally | 6/19/2005 | Warren Boroson |
Q: I'm a student of Pharmacy in Pakistan. I have some questions please give me their answers: 1..Is ...
A: I forwarded your questions to the Investment Company Institite here in the U.S., and here is the ...
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| Clarification | 6/16/2005 | Dr. Joseph de Beauchamp |
Q: I miss-spoke...I meant "interest only" loans rather than "no interest" loans...sorry.
A: I thought you meant this. Ginnie Maes are basically mortgage back loans in a fund. The day that we ...
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| Bond risk | 6/16/2005 | Dr. Joseph de Beauchamp |
Q: Joe, I would be interested to know your thoughts on ginnie maes considering that "no interest" ...
A: VAIPX might have inflation protection to it, but it is nothing more than a bond fund. Bonds will ...
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| Ginnie Maes | 6/13/2005 | Warren Boroson |
Q: Boroson, I understand the bare basics of investing in GNMA's but am unclear how rising or falling ...
A: Mortgages are a complicated subject. Someone at Fidelity who runs a GNMA fund told me that buying ...
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| Proper Asset Allocation? | 6/10/2005 | Dr. Joseph de Beauchamp |
Q: I am a retired AeroSpace engineer, living on Social Secutity and a small pension. My mutual fund ...
A: Norman, You may wish to hold just the international stock fund. This might perform better over the ...
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| investing | 6/10/2005 | John D Smith, CFP |
Q: I have some money in the market with wacovia I have FBICX @ 110599M shares and XLACX 1,915.071 ...
A: As you eluded to, risk and return go hand in hand. Unfortunately, there is no sure fire way to ...
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| ROTH IRA | 6/1/2005 | Dr. Joseph de Beauchamp |
Q: HOW MUCH CAN MY WIFE AND I PUT INTO A ROTH IRA AND HOW DO YOU SUGGEST I INVEST IT?
A: Here are the rules. Mostly, I am not recommending to people to use Roth. I believe taxes will be ...
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| Clarify the total Cost on investment on mutual fund | 5/29/2005 | Warren Boroson |
Q: Warren Boroson, The net asset of a fund determines a fund price. Investment cost is one of factors ...
A: The management fee is less than the net asset value. The fee does not include trading costs, ...
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| Mutual funds | 5/26/2005 | Warren Boroson |
Q: My wife and I are nearing retirement age and we have a substantial fund available to invest. Could ...
A: Ben Graham, a noted investor, once said that there are two rules to investing: 1. Don't lose money ...
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| commodity broker | 5/4/2005 | John D Smith, CFP |
Q: I was wondering what is a commodity broker? What exactly do they do for a living? I've heard this ...
A: Commodities are the raw materials that producers use to create the goods that people buy and the ...
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| Mutual Funds | 4/14/2005 | John D Smith, CFP |
Q: I am looking to invest in mutual funds and was wondering if there were and that involved real ...
A: Yes, there are mutual funds that invest in Real Estate. In my opinion, funds that are worthwhile ...
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| mutual funds | 4/12/2005 | John D Smith, CFP |
Q: I have been given an IRA/SEP and would like to switch to ira but was told that Mutual investments ...
A: Regarding the allocation you mentioned, if low risk is what you are looking for, then this will not ...
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| investing | 4/2/2005 | Dr. Joseph de Beauchamp |
Q: I have about $35,000 to invest. What could I invest in right now?
A: Donna, Go to http://wfnn.info and look to the left. There is a mutual fund section on this free ...
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| MUTUAL FUNDS OF INDIA. | 3/15/2005 | John D Smith, CFP |
Q: I would like to know the answers for the following questions: 1) I have invested in diversified ...
A: Regarding your questions: 1) Whether or not you should invest in bonds depends on your risk ...
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| License requirements | 3/11/2005 | John D Smith, CFP |
Q: Are mutual fund portfolio managers and analysts required to have any specific licenses (series 7, ...
A: A publically traded mutual fund by law is required to be registered with the securities and exchange ...
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| Commodity Futures Mutual Fund | 3/11/2005 | John D Smith, CFP |
Q: Sir: Is there such a thing as a managed fund along the lines of a stock mutual fund in the ...
A: Pimco Commodity Real Return and Oppenheimer Real Asset are the 2 funds I am most familiar with that ...
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| switching around funds in my company plan | 3/10/2005 | Dr. Joseph de Beauchamp |
Q: My company offers several different different funds. Some of the funds pay dividends annually and ...
A: Usually with mutual funds, they make one payment per year towards the end of the year. Good news is ...
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| interest in China real estate investment | 3/10/2005 | Warren Boroson |
Q: Boroson, Thank you so much for your recommendation of placing an ad in the wall street jernal ...
A: In answer to your first question, I would suggest the hard copy of the WSJ, not the online edition. ...
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| mutual funds for 9 year olds. | 3/6/2005 | Warren Boroson |
Q: My son has $1,000 and wants to add small amounts on a regular basis.
A: One good choice would be Vanguard STAR. Its minimum is only $1,000. You can add to your holdings in ...
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| Roth-IRA | 3/3/2005 | Warren Boroson |
Q: I really appreciate your taking the time and the detailed answers. So, coming to the actual decision ...
A: You know more about the specifics of those on-line brokers than I do! But there are two things I do ...
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| Fidelity Mutual Funds | 3/1/2005 | Warren Boroson |
Q: What is your opinion on Fidelity ContraFund (Large Cap Growth, 5 star Morningstar rating) Thank you ...
A: Apart from its gigantic size, there's nothing not to like about Fidelity Contrafund. A M* Analyst ...
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| What are Mutual Bonds? | 2/23/2005 | Warren Boroson |
Q: I was looking to start investing in stocks. What is the difference between bonds and stocks? I was ...
A: Stocks are ownership, bonds are loanership. Stocks give you part ownership of a corporation. Like ...
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| Mutualfund managers | 2/2/2005 | Warren Boroson |
Q: W.Boroson I Would like to know, how an mutualfunds creates funds. Can any one create mutualfunds?. ...
A: To create a mutual fund, you need the approval of the Securities and Exchange Commission. A lot of ...
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| Roll Over | 1/30/2005 | John D Smith, CFP |
Q: I retired 2 years ago and have left part of my retirement investments in a 401K plan that my former ...
A: In my opinion, how your portfolio should be invested depends on your specific goals, risk tolerance, ...
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| Roll Over | 1/30/2005 | Warren Boroson |
Q: I retired 2 years ago and have left part of my retirement investments in a 401K plan that my former ...
A: You might as well dump ICAP Equity. Over 5 years it has returned only 2.98% a year, and Morningstar ...
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| Beginner Question | 1/24/2005 | Warren Boroson |
Q: Warren, Hello I am considering investing in mutual funds but know next to nothing about it... is ...
A: 1. Get my book, Keys to Investing in Mutual Funds 2. Go to a library and become familiar with ...
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| index funds a good idea? | 1/24/2005 | John D Smith, CFP |
Q: i hear much of the benefits of index funds for the typical hands-off investor. however, i seem to ...
A: In my opinion, index funds area great low cost solution to investing. However, the most important ...
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| index funds a good idea? | 1/24/2005 | Warren Boroson |
Q: i hear much of the benefits of index funds for the typical hands-off investor. however, i seem to ...
A: For most people, a large-company stock index fund makes sense. It's well diversified; it's low cost; ...
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| do you recommend index funds or not? | 1/24/2005 | Dr. Joseph de Beauchamp |
Q: i hear much of the benefits of index funds for the typical hands-off investor. however, i seem to ...
A: Funny thing about index funds, they generally do not perform as good as the index. Also, choose ...
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| R.E.I.T's | 1/19/2005 | Warren Boroson |
Q: Mr. Boroson, My wife and I are 78 and all our income is from S/S, IRA/CD's and Vanguard Mutual ...
A: CD's are much safer than REITS. And Vanguard's REIT index fund hasn't exactly shot out all the ...
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| using mutual funds to pay for retirement | 1/19/2005 | John D Smith, CFP |
Q: I'm about to turn 18 and will be aquiring some extra money. I've heard that by putting $1,000 into ...
A: The amount you need to put into an investment like a mutual fund to achieve retirement depends on ...
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| Index Funds | 1/5/2005 | John D Smith, CFP |
Q: Idealy I was looking for something under $1,000. Thanks for the help. JoelHi. I'm looking for an ...
A: Assuming you are looking for an S&P 500 Index fund, TD Waterhouse has a no-load fund with a $1000 ...
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| Index Funds | 1/4/2005 | Warren Boroson |
Q: I'm looking for an index fund with a low initial investment requirement. Also a no-load fund would ...
A: Apparently $1,000 is the lowest minumum that no-load index funds based on the S&P 500 charge. But I ...
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| Mutual Funds | 12/31/2004 | John D Smith, CFP |
Q: I am 21 years old and have been into investing from a young age. I currently have 3 CD's, a couple ...
A: How you invest this money is dependent on your risk tolerance, specific goals, etc. With that being ...
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| Third Avenue Real Estate Value Fund | 12/30/2004 | Warren Boroson |
Q: My husband and I have shares of Third Avenue Real Estate Value Fund (Tarex) and we noticed thatin ...
A: Michael Winer, manager of the fund, replies: The Fund's NAV was down 34 cents on Dec 28 as a ...
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