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A smart investments guide that will help you cut your portfolio investment costs, lessen your investing risk, and increase your net investment earnings
Named Low Cost Mutual Funds and ETFs, this investment guide addresses what is the most important challenge that many investors face: investing costs that are way out of control. Also, the book provides an easy to understand and clear discussion of what works, including the basics of investing methods, plus it gives solutions that are easy to implement. Using this book you can easily find low cost index mutual funds and exchange-traded funds.
It provides mutual fund comparison information on 212 low cost no load index mutual funds in 30 separate asset classes, plus it provides information on 208 low cost exchange-traded funds in 27 different classes. All these lists were screened with objective factors supported by investment research which are explained in this practical investing book. This book’s index fund and ETF lists provide a full range of lowest cost noload mutual funds and ETF alternatives available to investors.
This very useful 250+ page essentials of investments book was written by Larry Russell, who is an experienced financial planner and advisor practicing in Pasadena, California who holds degrees from MIT, Brandeis, and Stanford.
The problem with investments: Most investors pay way too much in investing fees and costs and receive far too little in exchange for these costs
Charging investors high fees for its allegedly superior wisdom, the vast majority of the investment industry simply just lives off of the returns and assets of individual investors without contributing net value. In a nutshell, you are just a financial services industry profit and revenue center.
The financial industry makes the investing process overly and unnecessarily complex, by overwhelming the market with complex investment products and services which are excessively costly. Then, the investment industry provides biased and self-interested “free advice” on choosing investments, which is the most costly “free advice” naive investors will ever get. Unless they look for less expensive securities services and products, investors are much more likely to be encouraged to buy these unjustifiably costly investment products and services.
Unjustifiably expensive investment products and services are your real enemy when you invest. When you neglect your investment education and let the investment industry just take money from you, the poorer your family will be. Keep your assets. You do not have to participate in this rigged game which violates the basics of investing principles.
With the help of this Low Cost Mutual Funds and ETFs investing book you can easily cut your investing costs, lower your investing risk exposure, and increase your retained portfolio earnings. Reducing your investment expenses down to the bone is the most powerful investing strategy you have.
For several decades, low cost noload mutual funds and now more recently low cost ETFs have delivered better returns adjusted for investment risk. Once taxes and costs have been accounted for, in a load or no load mutual funds comparison individual investors just hold on to more of their investment portfolio return. Moreover, investors who buy lowest cost index funds lower investment risk, spend less effort, are not subjected to pressure sales tactics, endure much lower trouble, plus save more time.
You can make your own investments directly with investment funds, and you can do it better and smarter. All you need is truly objective mutual fund comparison investment information. For some absolutely straight talk concerning investment basics and what really works with personal investing, get this book.
About the no load mutual funds in this investment education book
This investing book provides tables with 212 lowest cost index mutual funds and 208 lowest cost ETFs in 30 and 27 separate asset classes, respectively. Included no load mutual funds and index ETFs are characterized by having no sales loads, the lowest management fees, and no marketing charges. Plus, listed index funds have significantly reduced investment portfolio turnover which is correlated with lower securities trading costs.
The ETF and mutual fund comparison tables include:
- International, global, and US large-cap, mid-cap, small-cap, and multi-cap stock funds with low costs including growth and value equity investment funds
- US, global, and international long-term, intermediate-term, and short-term government, treasury, corporate, inflation protected, and municipal bond investment funds with low costs
- Real estate and money funds with low costs
With this essentials of investments book you can choose a low cost noload mutual funds portfolio which is fully diversified by investment asset class and geography
Savings from this excellent low cost index funds and ETFs investor book
Depending upon your portfolio size, this inexpensive smart investing book could allow you to save hundreds even thousands of dollars year in and year out. When you can reduce your overall investment costs and expenses by one percent of your assets per year and you own investments totaling $10,000, your investment savings will be $100 annually. With $50,000, you would save $500 per year. With $100,000, you will save $1,000 each year. Because total yearly investing costs and fees paid by the average investor add up to almost 2% and 2 & 1/2% a year, most individual investors would in reality save two percent per year. Therefore, these annual investment savings on total expenses and fees savings would be twice as much a year — across their entire lives.
Some people might think: “Okay that is how much I would save, however if I pay more costs, I will receive better investment yields.” Sorry, but investment research clearly does not provide support for spending more. These are some typical research quotations from this book:
- “These four studies indicated that higher bond expenses meant lower returns to investors.”
- “The annual under performance of the broker-sold funds at $4.6 billion dollars is before the payment of $9.8 billion in 12b-1 fees and other distribution fees.”
- “The inferiority of active investment strategies … across the various countries, when the time horizon increases active strategies are increasingly inferior.”
If you actually are convinced that you can get superior portfolio return, when you pay increased expenses versus lesser fees and you question whether to buy load or no load mutual funds, then you really do need to get and read this important smart investments guide!
Summary of author’s background
This investment guide book, by Larry Russell was authored using his in-depth and objective knowledge about what really works with personal finance and investing strategies. Larry is an experienced and knowledgeable independent financial planner in the Pasadena and Los Angeles, California area. His goal is “to improve people’s understanding and increase their ability to manage their own personal finance and investment affairs.”
Larry is the author and publisher of many personal financial publications on the Internet and the developer of automated do-it-yourself lifetime financial planning software. Across decades, he has gained broad knowledge in economics, finance, investments, taxation, accounting, probability, statistics, web technologies, and software development. Over 25 years, he contributed as an executive within the software industry at companies like Sun Microsystems and HP.
Retiring from the industry in 2001, he began an in-depth look at the research that affected finance and investments for his own personal interest. To make this academic research information better accessible for individual investors, during 2003, Larry started to author and publish investments and finance academic research article summaries on his longest running investing for beginners educational web site, The Skilled Investor. From 2003, Larry has authored and published in excess of 1,000 personal finance and basics of investing articles across his six investing and personal finance sites. A portion of this investment book was drawn from these website articles, and the links provided in the book will enable you to find and explore his personal finance and investment education web sites.
Also in 2003, Larry started to develop automated and highly customizable home lifecycle financial planning software. This personal finance and investing software application, VeriPlan, was developed at the beginning to be a financial decision tool set for financial advisory clients. In 2006, Larry decided to design and develop an individual user configuration of VeriPlan which home individuals can utilize without assistance. This VeriPlan software is now the most automated and highly customized home life cycle personal financial planning software that can be purchased on the public market for much less than competing investments and personal finance software applications.
(Investment book cover watering can photo from Alan Cleaver available on Flickr.com)
