No Load Funds

In today’s investment world, I don’t think anyone is surprised by leading news stories. Over the last ten years the media has released astounding news that seems to stop everyone in their tracks. Call us tainted, but, the investment territory topic has reached some pretty bad lows in behavior. With the exposure of so many companies aligned with questionable overseas and international alliances, many people are now focused on ensure that the no-load mutual fund investments remain USA and American based.

No-load mutual funds remain a sustainable investment, even in a questionable economy. To focus on making sure that your dollars spent remain in the United States, you are going to have to do a little research. To begin with, it might be a good idea to contact a reliable (and trustworthy) investment counselor. Make sure the counselor does not have an alternative agenda by receiving dollar incentives for recommending specific investment companies. A small amount of time spent with the counselor will assist in your research and cut the time you have to spend trying to figure things out.
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In the last ten years, many retirement portfolios have run the gamut of being reduced to a minimum, all the way to non-existence. Retirement plans have been changed and extended due to the major losses in portfolio investments. The heartbreak of losing a retirement fund that one has worked their entire life towards, has made investors skiddish. Some of the more adventurous investors are raising their heads and actively seeking alternatives for the investment dollars that they have left. No load funds have been in the fray for quite some time, but the question remains: are no load funds the best direction to take for a retirement portfolio?

If you are an investor that has been tainted by financial advisors that failed you in the past and are selecting the path of a do it yourselfer, you need to understand that you will need to have the knowledge base of a professional. Good no load funds can perform just as well as load mutual funds over the long term. But, those are the key words ‘long term’. There is a family of fund companies that offer a variety of target dates for maturity. Choosing a no load fund target date will depend upon your plans for retirement (or adjusted plans for retirement).
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Social media has taken the internet by storm. Unless you live under a rock, almost everyone is a member of a social media page. People around the world have joined and use social media for instantaneous communication. Going viral, a message can promote a particular situation all the way to a complete revolution. While social media started out as an individual mode, businesses have recognized the marketing value and have signed up. So how reliable is social media when you are thinking about investing in no load funds?

The first thing you have to remember about a business social media page is that the purpose is completely different from an individual’s page. While a person might join to find and communicate with people they know, they will invite their fellow members to be ‘friends’. A business has a market focus to get their message out. They invite people to ‘like’ them. Those that accept end up with the marketing news on their social media page and eventually, everyone that are their ‘friends’ also have that marketing message. It’s an easy and free method to extend a viral invitation for a sale, information or an event.
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The internet has opened a world of information and opportunity, never before seen. If we have a question, we can access the net on our smartphones, type in a question, and get an answer. It has taken the concept of immediate-gratification to a whole new level and we have an entire generation that has grown up not knowing what life without the net was like. But, there is a down side to the net. The popularity of ‘blogging’ has created an environment where everyone who can type, thinks they are a writer. Others have created web sites and presented themselves as experts. This has blossomed into a lot of mis-information. So how do you filter through all of the nonsense and find the golden nuggets of truth when you are looking to no load investments?
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