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Mutual fund

            My clients Tiffany and Jake Babson are looking to invest in their future as a retirement fund. They know that in just 15 years they want to retire. With the money they have saved up so far they know that they cannot live the way they are now. Tiffany is an Iron worker an realizes that she is at danger of getting hurt and not being able to provide the income she is bring home every week. Jake is an entrepreneur selling his specialty pasta sauce from home and his business is just picking up. As a combined income they both earn $100K on an annual basis.
             The Babson's have jointly put $200k in a sector fund American Century mutual funds an I have asked them to move that money out of there and I will be reinvesting it. .
             I wanted to see how much debt they have and where we could try to cut back on too much spending and more saving without interrupting their normal lifestyle. For the moment they have a mortgage payment of $1,200/month a car payment $500/month, credit card debt of 10K which is about $500/month. They have student loans that are 105/month and miscellaneous credit card bills, which average 200/ month that they pay in full each month. Together the annual salary for the household is 63,000. By showing me this information I am able to know that they could afford have some risk in their investment without having to suffer with it. They have no plans of taking the money until they retire, because they are waiting for an inher $200k .
             My clients feel that they fall into a moderate risk with greater return potential category. I believe that a moderate growth strategy will go great for what they want to do. This way they could see their money growing with the times and hope to beat the inflation rate. This is important so that the dollars that are being invested today are not worth less when they are sending their son to college. From what I see they would be good with a balance of investments in bonds and stocks.


Essays Related to Mutual fund

1. Mutual Funds

However, now Congress and the regulators are addressing the next layer of the market, the mutual fund industry. ... In the roaring 20's, the first open-end mutual fund was created, allowing investors the ability to sell their shares back to the fund at any time, for a set price. ... With Sarbanes Oxley passed, members of Congress are now questioning the health and integrity of the mutual fund industry. ... In addition, most brokerages and many mutual funds offer customers check writing ability, which is so closely linked to their fund holdings, that many individuals are shifting money...

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2. Mutual Funds

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3. Mutual Fund Competition

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  • Word Count: 1675
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4. Mutual Fund Competition

Starting your own mutual fund organization is likely to be costly. ... Their goal is to acquire competitive advantage within the mutual fund industry. ... In the mutual fund industry, returns are extremely uncertain. ... From an investor's perspective, they see a lot of different mutual funds in the mutual fund industry. ... The buyer doesn't have any particular influence on the mutual fund or the price of the mutual fund. ...

  • Word Count: 1675
  • Approx Pages: 7
  • Grade Level: High School

5. Stock-Trak Project

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6. joe

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7. U.S. Mutual Funds

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8. Example Investment Portfolio

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9. The Wealthy Barber

However, if I invest in something such as a mutual fund for long term growth I will get a better interest rate and end up making more money without doing anything. The nice thing about mutual fund is that they use the compound interest which allows your money to grow at a very rapid rate, as you will slowly start making money on the previous interest deposits as well as your own deposits which you make. ... This is where a mutual fund is better, since mutual funds will invest in several stocks, this has a lower risk. ... When investing in a stable mutual fund you really are safe as through you...

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