A Mutual Fund is simply a financial tool that allows investors to pool their money together with a predetermined investment objective. The Mutual Fund will have a fund manager who is responsible for investing the pooled money into specific securities (cash, money market instruments, bonds, or stocks). When investors put money into a Mutual Fund, they are buying shares or units of the fund and become a shareholder. Mutual Funds are cost-effective and easy to invest in with low minimum investment requirements. By pooling money together in a Mutual Fund, investors can purchase stocks, or bonds with much lower trading costs than if they did it on their own. The risk associated with finding a buyer for units when an investor wants to sell, is eliminated because the fund itself will always buy back the sold units. Mutual Funds allow for professional management at a low cost and offer investment diversification. Buying a Mutual Fund automatically diversifies an investment portfolio and this reduces market-risk tremendously over investing outright in one particular stock or bond.

The following Stewart Fisher & Associates Inc. advisors are Account Representatives of Manulife Securities International Ltd., Paul Stewart, Judy Fisher, Udo Renner, Vic Garabedian, Richard Paliani, Jason Maleyko, John Szczechura, & Craig Mahon.

 

 

Manulife and the block design are registered trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities International Ltd.

Mutual Fund Disclaimer: Commissions, training commissions, management fees and expenses may be associated with mutual fund investments. Please read the funds simplified prospectus before investing. Mutual fund securities are not guaranteed, their values change frequently and past performance may not be repeated.