No Load Funds

• Specialty and Misc no load mutual funds offer many investment opportunities
• Specialty funds have varying risks and returns, so careful evaluations and comparisons are needed
• No load mutual funds have lower expenses and do not involve any risks of a conflict of interest

Specialty and Misc no load mutual funds can cover a wide variety of mutual fund types and investments. Specialty mutual funds can include those that invest in utilities, financial services, precious metals, technology, communications, gold, real estate, health care, science, natural resources, energy, and many other investment types. These funds may offer benefits and higher returns when the specialty sector is doing well, but also offer higher risks. This is because these no load mutual funds are not well diversified, and have a majority of investment holdings in a small number of sectors. The best no load funds are those which do not involve 12b-1 marketing fees or high fund operating expenses. Some experts believe that load funds perform better simply because these funds offer professional advice from a broker, but this is no true because the load fees actually detract from the performance and value of the investment. In almost every case no load mutual funds will outperform load funds and offer better returns, because there are fewer expenses and deductions from the investment capital.

Specialty funds allow investors to achieve a number of investments in a specialty sector with only one fund investment. Specialty and Misc funds can help diversify an investment portfolio, but most experts advise all investors not to have ore than twenty percent of the investment portfolio in any one sector or investment type. This means an investment in one of the specialty mutual funds should cover that entire sector, to keep the portfolio diverse and to hedge against higher risks. Load funds offer professional advice about which funds to choose, but there is no way to guarantee that the advice given by the broker is the best possible. Some brokers may receive a commission from the load fund, as well as getting a large load fee from the investor. Sometimes this will cause a broker to direct investors to the mutual funds which pay the highest commissions, instead of the funds which are the best for the individual investor. This conflict of interest should be disclosed by an ethical broker, but there is currently no law that requires disclosure from the broker. No load mutual funds can not involve a conflict of interest, because the investor is the one who does all of the research and fund comparisons, and who makes all of the investment decisions. This will allow each investor to be sure that the fund chosen is one which fits best with their investment goals and strategies.

Specialty and Misc no load mutual funds can offer many benefits but there are also some drawbacks as well. These funds are not for everyone, and only the individual investor can decide if these specialty funds are right for their investment portfolio or not. Look at all of the possible funds, and compare each aspect. The rating the fund has, the yield and the return of the fund, and many other factors should be considered. Any load fees and marketing fees should also be considered, and no load mutual funds are the best way to keep expenses and investment costs low. Make sure not to go outside of the acceptable investment risks and the strategies devised, because this can lead to large losses of capital. All investments involve varying degrees of risks and yields, and no load funds means judging these without using professional advice. There are many free investment tools available online to help investors choose the right funds and investment types, and these can be found and used at no cost. The best no load funds will be different for every investor, because of different goals, strategies, and risks that are acceptable.