| Subject | Date Asked | Expert |
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| Certified Fund Specialist designation | 8/29/2006 | John D Smith, CFP |
Q: What I would like to do is start a small business on the side advising individuals on mutual funds ...
A: Actually, you can offer advice without having any designation. Designations are more important when ...
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| Investing in gold | 8/28/2006 | Warren Boroson |
Q: I was wondering how risky it is to invest in the US Global Investors Gold Shares (USERX)? I am an ...
A: Addendum: I just looked up the 10-year record of US Global Gold: minus 7% a year, to the end of July ...
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| Investing in gold | 8/28/2006 | Matthew Tuttle, CFP(r), MBA |
Q: I was wondering how risky it is to invest in the US Global Investors Gold Shares (USERX)? I am an ...
A: Melissa, I am curious as to why you are considering the investment. It is probably one of three ...
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| mutual fund | 8/19/2006 | Dr. Joseph de Beauchamp |
Q: . i would like to know what is mutual fund..why it is essential..why it is used in ...
A: You migh want to go to the public library in your area. Find the Morningstar book, and this is about ...
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| AAAAA ratings | 8/16/2006 | Dr. Joseph de Beauchamp |
Q: Sometime ago I read an article that a 5 star rating was a bad thing for a fund because it led to the ...
A: Open ended funds simply have more stock in the float. This would have no impact on an open ended ...
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| Type of investment/annuity for a retired person | 8/10/2006 | Warren Boroson |
Q: An 80+ year old man will soon be selling his house and needs the proceeds to be put in some type of ...
A: I'll ask a Certified Financial Planner to answer this question, but meanwhile: The gentleman should ...
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| Income Investments | 8/8/2006 | Warren Boroson |
Q: I am 53, semi-retired, have $320,000 to invest, and no debt. I would like to invest for income. ...
A: You should diversify. Buy a ladder of CDs, for example -- with different maturities. Go to ...
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| Accumulator Funds | 8/7/2006 | Docs99 |
Q: That was a fast response. If this isn't the information you are requesting, let me know. I do have ...
A: I know what you mean, is the Securities sister of the FDIC for banking. Still, you may want to ask ...
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| Accumulator Funds | 8/7/2006 | Docs99 |
Q: Docs99, Thanks for your response. The questions you ask make good sense to me and I will look them ...
A: The specifics questions on the fund will arise from reading the prospectus. Do you have one? Did ...
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| Accumulator Funds | 8/5/2006 | Docs99 |
Q: Recently I started seeing a financial planner. He's suggesting that I invest part of my investment ...
A: Of course. His job is to furnish you with as much info as possible so that you can make a decision. ...
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| Investing in Mutual Funds | 8/3/2006 | John D Smith, CFP |
Q: My name is Eden and I am from Rotorua, New Zealand. I have three kids, and live on one income. It's ...
A: Can you please clarify; do you currently live in New Zealand or do you live in the USA? If you live ...
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| how to buy stocks | 7/31/2006 | John D Smith, CFP |
Q: how do you buy stocks also - prices vary from how much to how little?
A: In order to purchase shares of stock, it is usually most efficient to open an account at a discount ...
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| Young and interested | 7/26/2006 | John D Smith, CFP |
Q: I am almost 23 and looking to begin investing my money but not sure exactly where to start. I am in ...
A: Instead of offering specific advice regarding your situation, which is very difficult (and not very ...
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| help | 7/25/2006 | John D Smith, CFP |
Q: in a mutual fund i can put money in , and over time it will grow right , but by how muchi'm 16 teen ...
A: Over time, the value of the mutual fund investment should grown. How much it grows will depend on ...
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| websites for over-weight & underweight recommendations | 7/17/2006 | John D Smith, CFP |
Q: Could you give me a clue as to what search words I should use to locate the place on the websites of ...
A: "asset allocation strategies" or "asset class strategies" should yield some results. Also, if you ...
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| websites for over-weight & underweight recommendations | 7/16/2006 | John D Smith, CFP |
Q: In my investing I would like to keep abreast of what various experts suggest in overweighting and ...
A: I am very familiar with these types of resources on the insititutional side, meaning you have to pay ...
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| amount to withdraw from 403b funds at age 70 1/2 | 7/7/2006 | John D Smith, CFP |
Q: I have several 403b mutual funds. How much must I withdraw from these funds at age 70 1/2. Must ...
A: Your required distribution amount is based on the total value of all qualified accounts (403b, IRA, ...
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| ytd return - calculation | 6/12/2006 | Dr. Joseph de Beauchamp |
Q: How is YTD return calculated? As of today, Yahoo shows the YTD return for VHCOX to be 10.45%. ...
A: I would recommend that you do your calculations. Yahoo is seldom correct. It is simply take the past ...
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| mutual funds | 6/12/2006 | Dr. Joseph de Beauchamp |
Q: how do i minimize the risk involved in buying mutual funds?
A: Always do your own research. Go to the local library and look over the Morningstar. Pick a fund with ...
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| When to diversity? | 6/9/2006 | Dr. Joseph de Beauchamp |
Q: de Beauchamp, Thank you for the prompt response. I guess my next question is at what point should ...
A: We are going into a bear market, in my hubble opinion. I would look at your fund risk. I would look ...
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| When to diversity? | 6/8/2006 | Dr. Joseph de Beauchamp |
Q: de Beauchamp, I have just over CDN$6000.00 sitting in one Balanced Growth fund. So far, it's been ...
A: Richard, I would stick to one fund. You might want to go to the local library and look over the ...
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| Buffett Funds | 6/6/2006 | Warren Boroson |
Q: How are you?Could you please tell me if there are any funds that invest exclusively in Berkshire ...
A: I don't know of any funds that invest exclusively in Berkshire Hathaway A shares. You can buy the B ...
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| bonds, cds | 5/31/2006 | John D Smith, CFP |
Q: I am 18 years old and want to invest. I don't know much about stocks or bonds but I was told by a co ...
A: In my opinion, how you invest your $$ depends on your specific goals and risk tolerance. CD's are a ...
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| Where to invest? | 5/30/2006 | John D Smith, CFP |
Q: I just finished up my freshman year at college. I will have summer jobs each summer until I ...
A: I would contact your local bank or a mutual fund company such as Vanguard (www.vanguard.com) and ...
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| Family of funds-diversify? | 5/27/2006 | Warren Boroson |
Q: Is it wise to have all investments in more than one family of funds? I am considering moving ...
A: Vanguard is a wonderful family of funds. Low-cost and managed by conscientious people. If God were ...
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| withdrawing some money from my kids mutual savings account | 5/25/2006 | John D Smith, CFP |
Q: will I have to pay taxes on monies I withdraw from my kids mutual savings account?
A: The tax consequences of withdrawing from an investment account depends on what type of account it is ...
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| mutual funds | 5/20/2006 | Dr. Joseph de Beauchamp |
Q: can a 15 y/o young adult invest in mutual funds? or @ what age can they buy mutual funds?
A: 18 or older is the age for most funds to accept the money. You might have your parents invest for ...
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| Investment Question | 5/15/2006 | Warren Boroson |
Q: Boroson: I am writing in hopes that you might be willing to offer some suggestions on the best and ...
A: Jump in. As the saying goes, the stock market climbs a wall of worry. And the best time to invest is ...
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| Withdrawing for a mutual fund to pay off debts | 5/10/2006 | Docs99 |
Q: My husband and I have about $8,000.00 in credit card debt.The interest rates range from 18% to 22%. ...
A: You may want to have a chat with your accountant or tax advisor. There are many variables here and ...
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| Hi John, Most mutual funds... | 4/28/2006 | John D Smith, CFP |
Q: Most mutual funds do well when the general market is going up but what types of mutual funds would ...
A: In my opinion, the best way to protect against this is to diversify your holdings will large US, ...
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| portfolio anaylsis | 4/26/2006 | John D Smith, CFP |
Q: I am aware that the Beta measures risk, I having difficulty wording this but what I was trying to ...
A: It sounds like you are trying to optimize these 2 assets? If this is the case, then you should ...
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| investing -student | 4/21/2006 | John D Smith, CFP |
Q: I checked their website: http://www.tdcanadatrust.com/accounts/int-calc.pdf And I did not see ...
A: The reason you do not see money market on the information you are looking at is because your $$ are ...
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| Mutual Funds 101 | 4/18/2006 | John D Smith, CFP |
Q: Sorry about the list of questions earlier. Just two quick questions: 1) What's the difference ...
A: To add to my previous explanation regarding value and growth. Think of a value company as one that ...
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| Mutual Funds 101 | 4/18/2006 | Warren Boroson |
Q: Sorry about the list of questions earlier. Just two quick questions: 1) What's the difference ...
A: I'll give you a quick answer. Small company stocks, over the years, have outperformed other stocks, ...
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| Mutual Funds 101 | 4/17/2006 | Warren Boroson |
Q: I'm a 26 year old male with an annual income of $60,000. I'm interested in investing in mutual ...
A: To continue with my replies: An exchange traded fund is a fund that trades on a stock exchange. ...
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| Mutual Funds 101 | 4/17/2006 | Dr. Joseph de Beauchamp |
Q: I'm a 26 year old male with an annual income of $60,000. I'm interested in investing in mutual ...
A: L, 1. Difference of these terms can vary, but generally they mean that the mutual fund will buy ...
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| Loss Distribution on Mutual Funds | 4/17/2006 | John D Smith, CFP |
Q: Mr. Smith, I know that mutual funds sometimes have losses. 1. Do they ever distribute those ...
A: Actually, mutual funds are not allowed to distribute losses. They instead use these internal losses ...
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| Mutual Fund Tax Question | 4/17/2006 | Warren Boroson |
Q: Mr. Boroson, I know that mutual funds sometimes have losses. 1. Do they ever distribute those ...
A: Mutual funds don't distribute their losses. They subtract them from their gains. Or, if they don't ...
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| I'd like to cash out my mutual... | 4/14/2006 | John D Smith, CFP |
Q: I'd like to cash out my mutual funds to invest in my amall business. The funds are in a retirement ...
A: It depends on the type of plan and where it is currently invested, but typically the company holding ...
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| a funds | 3/12/2006 | John D Smith, CFP |
Q: which is a betterinvestment, I have A funds in my portfolio, I was told I would do better ...
A: The answer to this question depends on the quality of advice you would be getting from the managed ...
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