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Guru | I am planning to invest 50 K in mutual fund, can any one suggest which fund is best .? |
Please suggest me what all are funds doing good. I am planning to use this investment for my son higher eduction (Now he is 2 years old ) . Thanks in advance |
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muncie birder
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As per Joe's answer, you definitely want to look into the 529 plan for college expenses. As for another answer, I agree that you do not want to place the entire amount into just one mutual fund. Consider instead perhaps 5 different funds. There are 3 or 4 mutual fund companies that offer a wide variety of fund offerings with relatively low expenses and also with relatively good performing funds. These are Fidelity, T Rowe Price, Vanguard, and American Century.
One portion should be placed in a money market fund, one portion is an overseas developed markets fund, one portion in a U S stock fund, maybe one portion in a value fund, and perhaps a portion in developing markets fund.
If however you do not wish to go to all of the trouble of doing so, you can consider Vanguard Global Equity Fund and a money market fund such as Vanguard Prime Money Market in a ratio of about 4 to 1. The Global Equity Fund sort of simulates having ones money in 5 different funds since it invests in a little of everything in about the right proportions. It also has a very low expense ratio and a 5 star rating by Morningstar. |
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Jerry
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I think instead of looking at a mutual fund taxable account you should consider a 529 educational account offered by most states.
If you insist on a mutual fund simply invest the money in a low cost total market fund being offered by both Vanguard and Fidelity. |
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Joe
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If you are saving for college expenses, you should take advantage of federal tax breaks aimed at families saving and paying for college. You will probably want to invest in a 529 plan mutual fund. The earnings grow tax-deferred and distributions are tax-free when used for qualified post-secondary education costs. The optimal plan depends on what state you live in. Go to
http://www.savingforcollege.com/ to find the plans in your state. I like the Utah plan, put your state plan may have better tax consequences.
However, don't invest more in these than you child will need for college. There are tax penalties for non-educational withdrawals. Additional funds should be invested in a UGMA or UTMA.
I may also add that you should also be putting the maximum away for your own retirement now in 401k's and IRA's, before saving money for your child. If you max out your retirement investments now, you can put in less later on, and have more money to donate to your child then. Also if it turns out your child is not college material, you won't have to pay the withdrawal penalties from a 529. Your child can always borrow money to fund her college, you can't borrow money to fund your retirement. Get your retirement squared away first; the last thing your child wants to do is have to support you in your old age, because you didn't plan ahead. |
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Franco
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Invest 50% in a money market or bank D/A for safe income and the other 50% in a low cost mutual fund tracking the US market. You will do as well as the US as a whole, you will know how your investment is doing at any time by looking at the index on the TV and you will not have the constant worry of a highly paid fund manager idiot, lousing things up and giving you excuses every year. I am speaking from experience, believe me.
Pay no attention to their adverts and to fools here on Yahoo whose funds did well the last year or two and think they struck a gold mine. Independent research shows that 80% of funds under perform the index, and if you are unlucky and pick a bad one, your money will be decimated.
This is a very serious risk, few people mention. |
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Yarcofin
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DO NOT put all of the money in a single mutual fund. While mutual funds are diversified to some degree, it's not enough. You want to own multiple different mutual funds that cover different sectors. Your best bet would be one mutual fund that covers an entire market like the NYSE/NASDAQ. Another "dividend" mutual fund that pays high dividends, etc.
Personally I think you are better off with ETFs (indexes). They are basically mutual funds (a diversified basket of different stocks,) but you don't pay big fees for someone to manage it for you. They tend to outperform mutual funds as well. One example is http://www.ishares.com It's at least worth looking into.
I wish my dad put away 50k for my education :P. |
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donald e
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consider u.s. treasury i bonds, for all of it or a portion, tax free for higher education when cashed, have an inflation rider, pay as much as cds. sometimes more, can be bought and cashed at local bank in demonimations of 50,100,500,1000 safe and secure you will not lose principal, cannot be cashed first 6 months, then a 3 month penalty to year 5, than no penalties, pay for 30 years, down the road if u needed cash if bought in various demoninations you could cash out what you needed, buy over a 2 years period and you will always have something passing the 5 year period. u can walk in and buy one for 50 anytime, best way to go. if in childs name you can cash out up to 800 in interest each year with no tax, i have been doing it this way for 8 years, try it u will like the advantages i bonds offer |
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Barking Bear
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I would not do a mutual fund right now.50k in a money market from Fidelity or Vangaurd is a lot safer right now.Mutual funds are tanking. |
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Serge M
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It would be wise of you to invest 10 K in each of five funds. The past history of a fund's performance is not a good predictor of future performance. Of course your chances are better if you invest in funds that have done well over a long period of time. Investing in 4-5 funds gives you lest chance of getting a fund that does badly in the next few years.
Different funds have different investment goals. You need to look for funds that fit your goals. Read periodicals such as Business Week, Forbes, fortune, and others, look at the Wall Street Journal's fund issues, and Bloomberg's evaluation of funds, then you will be able to decide on the best choices. For best results, limit your investing to no-load funds with low expense ratios.
There are, of course other alternatives which are safe but yield a lower return. the stock market historically has returned about 10 percent per year. with a 2 year old child, you are looking at the long term. Many funds have returned more than 10 percent.
Any advice on which funds are best that you get here are as valuable as throwing darts at a newspaper listing of funds. However, I suggest you look at TIAA-CREF, among others. |
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