Mutual funds are investment companies that manage portfolios of stocks or bonds, or a combination of these or other investments. Mutual Funds provide a significant opportunity by pooling your money with other individuals who have similar investment objectives. Mutual funds significantly increase your buying power and through the services of a professional manager, who invests and monitors the portfolio, mutual funds can add significant value to an individual investor’s portfolio. Individuals purchasing shares of a mutual fund participate in a portfolio of securities in the mutual fund providing a tremendous amount of diversification to the investor. Share prices are calculated daily at the end of each business day by evaluating all the securities in the fund's portfolio after expenses, and dividing the sum by the total number of shares outstanding.

Advantages of Mutual Funds

What are the advantages of investing in mutual funds? There are many benefits to investing in mutual funds, but three of the most significant are:

Diversification- Mutual funds typically hold a large number of securities in their portfolios. By purchasing shares of a fund, you are diversifying your investment dollars over a large number of securities which tends to significantly reduce risk. By avoiding "putting all of your eggs in one basket", an investor can accomplish one of the basics of sound investing with a minimum of effort.

Professional Management- Professional portfolio managers handle day to day selection and management of investments in a particular fund in accordance with guidelines set out in the fund's prospectus. It is extremely important that investors carefully read the fund’s prospectus to confirm that the objectives of the fund and its risks match the desires of individual investors. The fund’s professional advisors have state of the art capabilities in the information markets critical to successful investing in today’s complex markets. Of course, there is no guarantee that a fund's goals will be met and investors are advised to read carefully the qualifications and experience of the fund’s portfolio managers.

Affordability- Most mutual funds are attractive in that the amount needed to open an account is very low making them accessible to just about anyone.

Please E-mail us for a free prospectus on a mutual fund you have interest in or click on the links below for information on a number of some of the very best mutual funds available as listed below:

Mutual Fund Investment Links

Oppenheimer Funds www.oppenheimerfunds.com

Franklin/Templeton www.franklin-templeton.com

Dreyfus www.dreyfus.com

Putnam www.putnaminv.com

Kemper www.kemper.com

Van Kampen/American Capital www.vkac.com

Pioneer www.pioneerfunds.com

Metlife/State Street www.ssrfunds.com

Fidelity Advisor www.fidelity.com/advisors/funds

American Funds www.americanfunds.com

MFS www.mfs.com/funds/funds.html

We would be pleased to answer any questions you may have on any of these fine funds and may call us for information or a prospectus at any of our locations noted below.