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Mutual Approach to RetirementA
2004 Investment Company Institute study confirmed the popularity of mutual
funds among middle-income Americans who are planning for retirement. In line
with popular wisdom, these investors typically adopt a buy-and-hold strategy,
waiting out periods of Considering the large number of investment options available to working Americans, why do so many people continue to hold mutual funds? The answer may lie in the potential benefits. Professional management — Mutual funds are managed by one or more professional investment managers who buy and sell shares according to the objectives of the fund. For many Americans who are juggling careers and families, professional management spares them both the time and the headache of managing investments on their own. Diversification — Mutual funds also offer a level of diversification that can help reduce exposure to market fluctuations. Because mutual funds may include a diverse range of investments from various asset classes or industries, they can help protect shareholders from large-scale losses in any single investment or industry sector. Diversification does not guarantee against loss; it is a method used to help manage investment risk. Flexibility — With thousands of mutual funds available, investors can easily find a fund with objectives that complement their own. And because it is generally easy to buy and sell mutual fund shares, investors can quickly change their asset allocation to accommodate changes in their lifestyle or financial outlook. Convenience — Periodic statements offer a convenient snapshot of fund performance and enable investors to assess their portfolios on a regular basis. In addition, dividends may be automatically reinvested in the fund at the shareholder's discretion. Many people agree that saving for retirement is one of their most pressing financial concerns. The next time you review your retirement portfolio, you may want to consider the various advantages that mutual funds can add to the mix. The investment return and principal value of mutual fund shares will fluctuate with market conditions. Shares, when redeemed, may be worth more or less than the original amount invested. Mutual funds are sold only by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, is available from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. |
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