What is a segregated fund?
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Segregated Funds combine the growth potential of mutual funds with the security of insurance. When you invest in a segregated fund, you are actually buying an insurance contract. The money from each contract is then invested in an underlying mutual fund. While you don’t own units of the mutual fund, the returns of your segregated fund will closely track those of the underlying mutual fund. \n\nSegregated funds come with guarantees designed to protect your money from market volatility. Depending on your chosen level of protection, you are guaranteed that you will get back up to 75-100% of your investment, regardless of how markets perform. Following your 10-year term to maturity or upon your death, you or your beneficiaries will receive either the guaranteed amount or the market value of your investment, whichever is greater.\n\nLike mutual funds, you can buy and sell segregated funds at any time. However, if you sell prior to the maturity date, you will receive the market value, which may be less than your original investment.\n\nSome segregated funds include a “reset” feature, which allows the investor to lock in investment gains and reset the minimum guaranteed amount at a higher level.
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Reliance Equity Opportunities Fund (ROEF) is an open-end diversified equity fund that seeks to generate capital appreciation and provide long-term growth opportunities by investing in a portfolio of equities and the secondary objective is to generate consistent returns by investing in debt and money market securities.\n\nInstruments Normal Allocation  \nEquity  upto 100%  \nDebt/Money Market upto 25%
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Simply...yes.\n\nIn fact, there is a whole sector of mutual funds called "life-cycle" funds that invest your money acorss a wide range of mutual fonds and bonds and cash depending on when you want the investment to mature. \n\nAdditionally, there are mutual funds that invest in "open-ended" funds that are the precursors to ETF. Speaking of ETF, those are mutual funds that other mutual funds can, and do, invest in. \n\nOn a contrary note, there are a few restrictions on exactly what funds a mutual fund can invest in competing fund families. That is...Fidelity Contrafund is limited in what it can invest into Vangaurd or Van Campen...(only examples).\n\nHope this helps!!
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are you referring to the physical act of transferring the assets or the investment options after the transfer?\n\nanyway, prior answer Vanguard is great for mutual funds. if you are going to trade stocks, they are currently priced higher than most for commissions and they don't clear there own trades. I would look at Schwab/Fidelity/Tradeking/Ameritrade \nfor stocks & fund combinations.
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True.  Unless the funds are inside of a retirement or college fund.
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Assuming you're talking about indexing...\n\nETFs generally have lower expenses, but you buy them like stocks & pay comissions.\n\nMutual funds have higher expenses, but you generally don't (or shouldn't) pay fees to get into them.\n\nIf you're looking at periodically (say each payday) adding to the investments, mutuals may be cheaper since you don't pay comissions each time.\n\nIn the long run, an ETF that mirrors the same index as a mutual fund will be cheaper because the fund expenses keep eating away at your returns.
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A sector index fund is a better investment because you are investing in many companies at once; the fate of your returns do not lie in the outcome of a single company.
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Your investment is in an IRA so there won't be a taxable distribution (unless you pull the money out of the investment).  Sometimes there can be account closure fees that mutual funds may charge or the financial institution you are working with.  If you are in a bad investment, it can be worth any fee to move into a stronger investment.  Look for long-term results rather than just the past 3 or 5 years.  Good Luck.
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mutual fund, in finance, investment company or trust that has a very fluid capital stock. It is unique in that at any time it can sell or redeem any of its outstanding shares at net asset value (i.e., the price of a share equals total assets minus liabilities divided by the total number of shares). A mutual fund, also called an open-end investment company, owns the securities of several corporations and receives dividends on the shares that it holds. A closed-end investment company differs from an open-end company in that the number of shares is limited and the price of the shares may fluctuate above and below the net asset value. The earnings of a mutual fund are distributed to the holders of its shares. It is hoped that a loss on one holding will be made up by a gain on another. The holders of mutual-fund shares thus gain the advantage of diversification, which might ordinarily be beyond their means. Common mutual funds, which often provide skilled management for security holdings, include stock, bond, balanced, index, and money-market funds. Stock funds mainly invest in common shares, and bond funds in bonds; such funds may specialize in a particular category of stocks or bonds (such as Internet stocks or municipal bonds). A balanced fund might invest in preferred stocks and bonds in addition to common stocks. Index funds invest in a portfolio that mimics a given index, such as the stocks that make up the S&P 500. The forerunner of the modern mutual fund was established in Belgium in 1822, and the use of these closed-end investment companies soon spread to Great Britain and France. They became popular in the United States in the 1920s, but from the 1930s the open-end mutual fund became more popular. Mutual funds experienced a period of tremendous growth after World War II, especially in the 1980s and 90s.
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This became the Safeco Core Equity Fund, which merged into the Pioneer Fund VCT Portfolio. Here's the contact info for Pioneer. Good luck.
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B shares are one of the 3 most frequently used means to by a mutual funds with a load.  The 3 most frequent are A B and C.  The appeal of a B share is you do not pay an up-front load but instead pay higher annual fees for 5-7 years.  At that point they convert to A shares with lower annual fees.  However, B shares almost never make sense when you break out the numbers.  If you are going to buy a mutual fund with a load for the long term, you are better off paying the upfront load on the A share and getting the lower annual fee.  If you are investing for the short term, a C share is a better option with a reduced load (usually 1%) and slightly higher annual fees.  Many load fund companies have done away with there B shares entirely because they are under a great deal of scrutiny.
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Mathematically, it is best to put it all in at once.  However, emotionally it can be gut wrenching.  I put a lot of money into Vanguard Total Stock Market Index Fund all at once, and the first thing it did was drop 10%.  I held onto my guts and it's now up ~50%.
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Basically, the reason is that it becomes harder to "move the needle" as Warren Buffett says.  In other words, the more money a particular fund has, the larger any particular position has to be to make an impact on the funds results.  A $10 million investment, no matter how well it does isn't going to have much impact on a $50 billion fund.  The larger the fund, the larger the investments needed to make a difference.  The larger the minimum investment, the smaller number of choices a particular fund manager has, and theoretically, the less well he'll be able to do.
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Net Asset value. In other words, the total value of all the holdings of the mutual fund (stock, bonds, cash, etc) divided by the number of shares.\n\nThat is the cost one share of the fund.
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Mutual funds are pools of money that are managed by an investment company. They offer investors a variety of goals, depending on the fund and its investment charter. Some funds, for example, seek to generate income on a regular basis. Others seek to preserve an investor's money. Still others seek to invest in companies that are growing at a rapid pace. Funds can impose a sales charge, or load, on investors when they buy or sell shares.\n\nYou invest in it by purchasing the fund from the investment company.\n\nThe investment company will have a minimum requirement on how long you may hold the fund before selling.
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Mutual fund schemes may be classified on the basis of its structure and its investment objective. \n\nBy Structure: \n\nOpen-ended Funds An open-end fund is one that is available for subscription all through the year. These do not have a fixed maturity. Investors can conveniently buy and sell units at Net Asset Value ("NAV") related prices. The key feature of open-end schemes is liquidity.\n\nClosed-ended Funds A closed-end fund has a stipulated maturity period which generally ranging from 3 to 15 years. The fund is open for subscription only during a specified period. Investors can invest in the scheme at the time of the initial public issue and thereafter they can buy or sell the units of the scheme on the stock exchanges where they are listed. In order to provide an exit route to the investors, some close-ended funds give an option of selling back the units to the Mutual Fund through periodic repurchase at NAV related prices. SEBI Regulations stipulate that at least one of the two exit routes is provided to the investor.\n\nInterval Funds Interval funds combine the features of open-ended and close-ended schemes. They are open for sale or redemption during pre-determined intervals at NAV related prices.\n\nBy Investment Objective:\n\nGrowth Funds The aim of growth funds is to provide capital appreciation over the medium to long- term. Such schemes normally invest a majority of their corpus in equities. It has been proven that returns from stocks, have outperformed most other kind of investments held over the long term. Growth schemes are ideal for investors having a long-term outlook seeking growth over a period of time.\n\nIncome Funds The aim of income funds is to provide regular and steady income to investors. Such schemes generally invest in fixed income securities such as bonds, corporate debentures and Government securities. Income Funds are ideal for capital stability and regular income.\n\nBalanced Funds The aim of balanced funds is to provide both growth and regular income. Such schemes periodically distribute a part of their earning and invest both in equities and fixed income securities in the proportion indicated in their offer documents. In a rising stock market, the NAV of these schemes may not normally keep pace, or fall equally when the market falls. These are ideal for investors looking for a combination of income and moderate growth.\n\nMoney Market Funds The aim of money market funds is to provide easy liquidity, preservation of capital and moderate income. These schemes generally invest in safer short-term instruments such as treasury bills, certificates of deposit, commercial paper and inter-bank call money. Returns on these schemes may fluctuate depending upon the interest rates prevailing in the market. These are ideal for Corporate and individual investors as a means to park their surplus funds for short periods.\n\nLoad Funds A Load Fund is one that charges a commission for entry or exit. That is, each time you buy or sell units in the fund, a commission will be payable. Typically entry and exit loads range from 1% to 2%. It could be worth paying the load, if the fund has a good performance history.\n\nNo-Load Funds A No-Load Fund is one that does not charge a commission for entry or exit. That is, no commission is payable on purchase or sale of units in the fund. The advantage of a no load fund is that the entire corpus is put to work.\n\nOther Schemes: \n\nTax Saving Schemes These schemes offer tax rebates to the investors under specific provisions of the Indian Income Tax laws as the Government offers tax incentives for investment in specified avenues. Investments made in Equity Linked Savings Schemes (ELSS) and Pension Schemes are allowed as deduction u/s 88 of the Income Tax Act, 1961. The Act also provides opportunities to investors to save capital gains u/s 54EA and 54EB by investing in Mutual Funds, provided the capital asset has been sold prior to April 1, 2000 and the amount is in
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A mutual fund is an open end investment company under the Investment Company Act.\n\nIn other words, it is a fund that continuously offers its shares and continuously redeems them to meet an investment purpose.  \n\nAn example might help.  XYZ Fund has, as its investment purpose, a duty to invest at least 65% of its assets in foreign company stocks.  It has 1,253,612 shares on July 1 valued at 10.03 per share.  On July 2nd, Mr and Mrs Smith send $1000 to buy shares in XYZ Fund.  The value per share at the close of business was 10.05 per share on July 2nd.  On July 3rd, their shares are purchased at $1000/$10.05 for 99.502 shares.  Mutual funds issue fractional shares.  On July 3rd, the fund now has 1,253,711.502 shares.  The price on July 3rd fell dramatically to $9.57 per share due to a fall in the SENSEX market.  This causes panic for the August family who call on July 5th, due to the holiday, to sell their 953.26 shares.  The value of the fund at the close of July 5th was 9.03 per share.  On July 8th, due to the weekend, the August family is sent a check for 8607.94.  The fund now has1,252,758.242 shares.  The value due to continued slide is now 8.96 per share.  The value of the Smith's investment is now $891.53.\n\nUnmentioned above is the concept of load and no-load.  A load fund pays a commission to a salesman out of our proceeds either when you buy or when you sell.  A no load fund pays an introduction fee to a broker to open your shares but it is paid as a general operating expense of all pre-existing shareholders and is hidden in the disclosures.