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Mutual Funds

Saving and growing your assets is likely a high priority for you as you plan for retirement. Mutual funds offer you plenty of options for growth and can be tailored to fit your financial goals depending on your personal tolerance for risk.

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The Main Types of Mutual Funds

There are so many different types of mutual funds out there that it’s difficult to get a clear view of how they can help. Here we break down the two main categories into their smaller parts:

Equity Mutual Funds

With equity mutual funds, investment is mostly made in stocks, both common and preferred.

There are many classifications of equity mutual funds:

  • Growth funds – These funds emphasize growth stocks, which are a little riskier than most mutual funds, but they have a potential for higher returns.
  • Value funds – Value funds emphasize securities investments that are generally seen as undervalued and less risky than many mutual funds. Value fund securities are income-focused rather than counting on the rise of stocks.
  • International and Global funds – International funds are invested outside the U.S. while global funds include both the U.S. and the rest of the world.
  • Emerging markets funds – These funds focus on low to middle-income countries that are beginning to develop.

Equity funds are generally considered the riskier option with higher potential for earnings. See the section below for the other main mutual fund category.

Any investment involves risk and there is no assurance that the investment objective of any fund will be achieved.

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Fixed-Income Funds

Fixed-income funds focus on securities investments such as bonds and various debt securities. The issuer of these securities guarantees payments at defined periods based on a promised interest rate.

There are a lot of different types of fixed-income funds:

  • U.S. Treasury bond funds – These funds primarily invest in government bonds or notes that come to maturity three years or later.
  • Municipal bond funds – Municipal bond funds focus on bonds issued on a state, city or county basis. Earnings are not subject to federal income tax.
  • Corporate bond funds – Corporate bond funds invest in reputable bonds issued by corporations.
  • Foreign bond funds – Focused on investing in bonds issued in other countries.

Usually, the premiums are lower for properties insured under the ACV method due to the lower limit caused by subtracting depreciation.

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