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 Mutual Funds

      

High Expense Ratios and Sales Charges :

     If you're not paying attention to mutual fund expense ratios and sales charges, they can get out of hand. Be very cautious when investing in funds with expense ratios higher than 1.50%, as they are considered to be on the higher cost end. Be wary of 12b-1 advertising fees and sales charges in general. There are several good fund companies out there that have no sales charges. Fees reduce overall investment returns.1

U.S. Securities and Exchange Commission. "Mutual Funds and Exchange-Traded Funds (ETFs) – A Guide for Investors."

Though similar to mutual funds, exchange-traded funds (ETFs) are a different type of investment vehicle, which are traded like stocks and generally come with lower costs and are easier to invest in.

उच्च व्यय अनुपात और बिक्री शुल्क :

यदि आप म्यूचुअल फंड व्यय अनुपात और बिक्री शुल्क पर ध्यान नहीं दे रहे हैं, तो वे नियंत्रण से बाहर हो सकते हैं। 1.50% से अधिक व्यय अनुपात वाले फंडों में निवेश करते समय बहुत सतर्क रहें, क्योंकि उन्हें उच्च लागत अंत पर माना जाता है। सामान्य तौर पर 12बी-1 विज्ञापन शुल्क और बिक्री शुल्क से सावधान रहें। वहाँ कई अच्छी फंड कंपनियाँ हैं जिनके पास कोई बिक्री शुल्क नहीं है। शुल्क समग्र निवेश रिटर्न को कम करते हैं।1

 

अमेरिकी प्रतिभूति और विनिमय आयोग। "म्यूचुअल फंड और एक्सचेंज-ट्रेडेड फंड (ईटीएफ) - निवेशकों के लिए एक गाइड।"

हालांकि म्यूचुअल फंड के समान, एक्सचेंज-ट्रेडेड फंड (ईटीएफ) एक अलग प्रकार का निवेश माध्यम है, जिसका कारोबार स्टॉक की तरह किया जाता है और आम तौर पर कम लागत के साथ आते हैं और निवेश करना आसान होता है।

Management Abuses

Churning, turnover, and window dressing may happen if your manager is abusing their authority. This includes unnecessary trading, excessive replacement, and selling the losers prior to quarter-end to fix the books.

 

प्रबंधन का दुरुपयोग

यदि आपका Manager अपने अधिकार का दुरुपयोग कर रहा है तो Churning, turnover और window dressing हो सकती है। इसमें अनावश्यक व्यापार, अत्यधिक प्रतिस्थापन, और पुस्तकों को ठीक करने के लिए तिमाही के अंत से पहले हारने वालों को बेचना शामिल है।

 

Tax Inefficiency

Like it or not, investors do not have a choice when it comes to capital gains payouts in mutual funds. Due to the turnover, redemptions, gains, and losses in security holdings throughout the year, investors typically receive distributions from the fund that are an uncontrollable tax event.1

कर अक्षमता

आप चाहें या न चाहें, जब म्यूचुअल फंड में पूंजीगत लाभ भुगतान की बात आती है तो निवेशकों के पास कोई विकल्प नहीं होता है। पूरे वर्ष के दौरान सुरक्षा होल्डिंग्स में टर्नओवर, मोचन, लाभ और हानि के कारण, निवेशकों को आम तौर पर फंड से वितरण प्राप्त होता है जो एक अनियंत्रित कर घटना है।

Poor Trade Execution

If you place your mutual fund trade anytime before the cut-off time for same-day NAV, you'll receive the same closing price NAV for your buy or sell on the mutual fund. For investors looking for faster execution times, maybe because of short investment horizons, day trading, or timing the market, mutual funds provide a weak execution strategy.

ख़राब व्यापार निष्पादन

यदि आप उसी दिन एनएवी के लिए कट-ऑफ समय से पहले कभी भी अपना म्यूचुअल फंड व्यापार करते हैं, तो आपको म्यूचुअल फंड पर अपनी खरीद या बिक्री के लिए समान समापन मूल्य एनएवी प्राप्त होगा। तेजी से निष्पादन समय की तलाश करने वाले निवेशकों के लिए, शायद छोटे निवेश क्षितिज, दिन के कारोबार या बाजार के समय के कारण, म्यूचुअल फंड एक कमजोर निष्पादन रणनीति प्रदान करते हैं।

Pros

Advanced portfolio management

Dividend reinvestment

Risk reduction

Convenience and fair pricing

Cons

High expense ratios and sales charges

Management abuses

Tax inefficiencies

Poor trade execution

What Are the Risks of Mutual Funds?

No investment is risk-free and while mutual funds are generally low-risk because they invest in low-risk securities, they are not completely risk-free. The securities held in a mutual fund may lose value either due to market conditions or to the performance of a specific security, such as the stock of a company if the company performs poorly. Other risks could be difficult to predict, such as risks from the management team or a change in policy regarding dividends and fees.

What Are Certain Advantages of Mutual Funds?

Mutual funds have plenty of advantages, including diversification, professional management, low costs, and convenience.

Are Mutual Funds Better Than Stocks?

Determining what is a better investment depends solely on the specific investor, their investment objectives, and their risk tolerance. Mutual funds allow for ease of access to a wide array of investments/companies, which increases diversification. They also carry lower risk because of that fact as opposed to investing in just a few stocks.

The Bottom Line

Mutual funds are a great way for investors to gain exposure to a wide variety of assets without having to specifically purchase investment securities one by one. They also allow an investor to leave the investment decisions up to a professional. While they can be a great and safe investment, they do not come without their flaws and issues.

Before investing, make sure to take your time researching the right mutual fund for you, being aware of the types of investments, risks, and costs associated with each particular fund you are considering and how they fit into your investment objectives.

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