Investing in Funds
River Rock Investing is committed to helping you choose among all the investment vehicles wisely, to find the perfect fit for your portfolio and your needs. We want to make sure you have the tools you need to make good decisions. Of course, every investment such as fixed fund investments will have inherent risks, and part of our job is to explain the risks to our clients and making any investment risks clear.
To make sure your investments are understandable, we have a monthly statement that explains any growth or loss to your account, in clear and jargon-free language. We are against trying to dress up portfolios to make it appear as if we're always making progress. We think better of you, and we believe in complete disclosure. We also make sure our financial advisers are available to answer any questions you may have, any time you have them.
One of the most popular forms of investing today is investing in funds. We have several different forms of investment funds to offer potential investors, along with our decades of experience in helping you chose the one best for your investment needs. At River Rock, we offer several investment funds to choose from and are able to tailor your portfolio to fit your needs.
Equity funds, also known as equity mutual funds or equity income funds, are funds focused mainly on stocks. These funds are usually managed by investing an amount, and then leaving it to grow. They can also be more actively manged as well.
The mutual fund is probably the most popular from of investment, with many active investors pooling together to purchase commodities, including bonds, stocks, etc. A mutual fund manager will maintain the mutual fund. Index funds, equity funds, fixed income funds, and exchange traded funds are all types of mutual funds.
Fixed funds involve investments into certain types of bonds, including corporate bonds, junk bonds, and government bonds. Fixed funds tend to provide regular payouts to the investor, which makes them one of the more stable investment options. Fixed funds are a good idea if you want a guaranteed monthly stipend, for example. Fixed funds can be applied to very risky bonds, however, so don't assume that just because it's a fixed fund, it's automatically a safe bet. Of course, the higher the risk, the higher the payout, generally speaking, so it's a trade-off.
Exchange Traded Fund
This is a combination of the mutual fund and the index fund. The ETF (exchange traded fund) tracks down well-known indexes, like a normal index fund. The difference is that its shares can be sold in groups or individually at any point, just like stocks can. This is what makes ETFs a highly desirable investment. At River Rock, we can help you to choose the best ETFs for your portfolio.
Index funds are designed to invest in particular stock indexes. An example of a stock index would be the Dow Jones Industrial Average. Unlike mutual funds portfolios, index funds are not actively managed.
These are simple, stripped-down basics of various funds. There is more to learn about how each fund works, and how they may interact in your portfolio. At River Rock, we make sure you understand how they may affect each other, and your investments.
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