No Load Funds

Mutual funds have always been the darling of the investment arena. They offer the diversity that the investors are looking for when considering a balanced portfolio and the gains have been fairly consistent. Mutual funds have also been a nice variation from the requirement of the individual to be a market guru. Mutual funds are selected by the investment firms and therefore they have done all of the background work in seeking the top quality funds. In the past, the average mutual fund was associated with a commission cost. As an investor, you were paying a price to the rep or investment firm for their expertise and guidance in choosing the investment with the best return. These were called load funds. The downside to those selections was that the gain was always offset by the commissions that had to be paid. So what are no load mutual funds?
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The market in the last couple of years has been filled with doubt and losses. Yes, there have been some gains; but in general, the media is filled with news of doom and gloom. In the last few months, there have been a few glimmers of light. Knowing that the market is sluggish and people are not investing due to fear, a newer concept of a more broad no load funds program began. The studies over the years have shown than the load funds have not shown a higher level of performance as compared to the no load funds. If you are experienced or a beginner, you will be asking what the no load investor should know.
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For those of us that didn’t make out during the dot com boom or don’t have unlimited funds to play the market like a lotto, investing is a very serious business. The most recent market losses for many who had their retirement money invested and lost, you are being very careful as well as skeptical. Selecting load funds involves paying out commissions on the investment. This reduces the overall gain. Why choose no load investing?
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Exchange traded funds have been around for quite some time. They are in essence, mutual funds that are traded like stocks. Unlike traditional funds that are traded by the end of the day close prices, ETFs can be priced and traded on whatever the value is in a minute-to-minute concept. One of the downsides of ETFs have been the commissions that are associated with them. Costs vary, but even in a discounted commission format, the costs can be prohibitive for the investment. So what is a no load ETF?
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You’ve seen the advertisements on television and the net touting that investing in gold is the way to go. If you follow the investor trade magazines, you will also be aware that gold has had steady increases over the last five years. The savvy investor will always ask the questions before jumping into the pond: Why invest in no load gold funds?
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