Wells fargo investment options

Author: -=!Melif@ro!=- Date: 29.05.2017

In fact, today more than half of all k plan assets are held in mutual funds. Having a diversified portfolio can help to spread out risk. Redemption is also convenient. As a mutual fund investor, you have goals for your investment. Start by choosing mutual funds that match your investment objectives and risk tolerance.

You would look for funds providing ongoing, steady cash flow. On the other hand, if your objective is growth, you can invest in equity funds that have long-term growth of capital as the objective. Some mutual funds provide a combination of two or three of these objectives. There are thousands of mutual funds from which to choose.

How do you know which funds meet your investment objective and tolerance for risk? Start by looking into some key fund categories:. The Financial Industry Regulatory Authority FINRA lists some of the individual funds within these categories within the Fund Analyzer available at www. Whether growth, value, sector, target-date, etc. You must consider all facets of the fund, including its investment objectives, the type of securities it owns, the strategies the fund uses to meet its objectives, the potential return, and any risks involved in owning the fund.

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For details about the fund, including its investment objectives, risks, charges and expenses, refer to its prospectus. While mutual funds have been popular for decades, exchange traded funds ETFs are relatively new but have been gaining in popularity. As with mutual funds, ETFs are pools of investments. They may have lower expenses than mutual funds because of their structure.

In addition, ETFs, like stocks, are traded throughout the day on a national stock exchange.

wells fargo investment options

Mutual funds trade only once per day after the markets close generally at 4 p. Eastern Time or after the New York Stock Exchange closes. Below is a comparison chart highlighting some of the key similarities and differences between mutual funds and ETFs. Mutual funds have been around for nearly a century. They are accessible at generally low minimums, provide access to professional management, and are a way to have part ownership of a professionally researched and managed portfolio.

As with any investment choice, there are no guarantees your mutual fund will meet its objectives.

All investing involves risk including the possible loss of principal. Mutual funds have risks, and their taxes and fees can lower any return.

Introduction to Mutual Funds. All investing involves some degree of risk, whether it is associated with market volatility, purchasing power or a specific security.

There is no assurance any investment strategy will be successful or that a fund will meet its investment objectives. Stocks are more volatile than bonds and are subject to greater risks. Bonds are subject to interest rate, price and credit risks.

wells fargo investment options

Prices tend to be inversely affected by changes in interest rates. An investment in a mutual fund or exchange—traded fund ETF will fluctuate and shares, when sold, may be worth more or less than their original cost. ETFs are subject to risks similar to those of stocks and may yield investment results that, before expenses, generally correspond to the price and yield of a particular index.

There is no assurance that the price and yield performance of the index can be fully matched. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation FDIC or any other government agency.

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Call us at or search for a local branch. Historically, investing in stocks has proven to be one of the best ways to help achieve long-term goals.

A collection of the most recent thematic reports from Wells Fargo Investment Institute that cover varying topics of interest and importance to investors. Need help opening a new account? Call us at Mon-Fri: WellsTrade brokerage accounts are offered through WFCS. Links to third-party websites are provided for your convenience and information purposes only. Wells Fargo Advisors is not responsible for the information contained on third party websites.

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Skip Navigation Sign On wellsfargo. Diversify Your Investing They are professionally managed and available at different investment minimums. Allow access to broad markets or focus on specific sectors or industries. With so many choices, how do you know where to start? Make your choice There are thousands of mutual funds from which to choose. Start by looking into some key fund categories: Representing the largest mutual fund category, these funds invest in equities e. They are known for providing a steady income to the more conservative investor.

They may offer income, capital appreciation, or both. Each mutual fund states its investment objectives prominently in its prospectus. Consider both advantages and disadvantages Mutual fund advantages include: You own a small part in a large portfolio of investments. A professional portfolio manager is making the investment decisions for the fund. Your shares can be redeemed at 4: You can purchase a variety of funds for your portfolio. But, mutual funds also have disadvantages, including but not limited to: Mutual funds experience price fluctuations similar to those of the securities that make up the fund.

Make sure you understand the level of volatility for the fund and your tolerance for market swings. Mutual funds cannot guarantee returns.

Your shares, when sold, may be worth more or less that their original cost. Also, mutual funds are not guaranteed or insured by the Federal Deposit Insurance Corporation FDIC or any other government agency. Unlike a bank deposit, which is insured by the FDIC up to applicable limits, mutual funds have no such guarantee. Mutual funds have annual operating costs, which include marketing, distribution and management and other fees.

You may also pay transaction costs, which include commission fees and other sales charges. ETFs While mutual funds have been popular for decades, exchange traded funds ETFs are relatively new but have been gaining in popularity. Next steps Mutual funds are popular because they offer diversification and are professionally managed.

Mutual fund investing offers those with limited time a way to have part ownership of a professionally researched and managed portfolio. Like all investments, mutual funds have risks, and their taxes and fees can lower any return.

Mutual funds are different from ETFs. Introduction to Mutual Funds All investing involves some degree of risk, whether it is associated with market volatility, purchasing power or a specific security. Connect With an Advisor Need help finding an advisor or opening an account?

Learn More Why Choose Wells Fargo Advisors? Special Reports A collection of the most recent thematic reports from Wells Fargo Investment Institute that cover varying topics of interest and importance to investors. Investment and Insurance Products: Are Not insured by the FDIC or any other federal government agency Are Not deposits of or guaranteed by a Bank May Lose Value.

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