Diversification In Mutual Funds

Diversification In Mutual Funds

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Investment funds which focus on all the international securities all around the world are termed as International Mutual Funds. We buy all different products for our shop, so that every buyer is attracted for buying different products. In the same Mutual Fund Diversification is termed as one of the key concept for investment in the mutual funds. There are many assets in the market that you can buy to increase your assets. Gold, real estate, oil and many more shares can help you to increase your assets in the market.

However, you should be smart enough to understand how to manage the total risk in your investment. Mutual Fund diversification is a better option if you want to minimize the risk of loss because it helps you to safeguard your capital providing you a long term security/ It helps in the case if one of your assets don't perform well in the market, so by investing through mutual fund diversification you can easily through the other investments.

So you can easily compensate your loss by the profit earned. Although, the earning are less through this investment but you could have assured security

In India, the Mutual Fund Industry has gone through different stages of development before reaching to its peak-point. For benefiting every businessmen Indian government and Reserve Bank of India (RBI) developed Unit Trust of India in 1963, which gave a new definition to the mutual fund investment. During the late 1996, businessmen begun to invest in the Investment Mutual Fund Industry and the rate of growth in this sector were so high that it led to the creation of SEBI Regulations which had its own norms and conditions related to mutual funds Industries in the country.

In this, fund manager is provided with different tasks related to the portfolio of different level of investors.

Mutual Funds are very cost-effective profit yielding way to invest the capital in the high amount and it is designed such that every business can invest his funds to the manager to make a purchase of the share and stocks. The businessmen who are not associated with the concept of the stock market prefer this kind of investment in majority.

When investing in the mutual fund there is no restriction i.e. you can deposit as much as you want. However, when you invest such a high amount of capital you should diversify your money because it provides more protection to your capital. For instance, if you invest your all money in one investment firm and the company owners announces some new policies which can lead to your great loss without having any fault.

Economic conditions also plays a major role in the investment risks, such as if the rates of currency grow with the conditions you could be profit but in other case it could lead to your big loss. It is expected to get lower rate if the rate of Rupee goes up in comparison of the value of the Dollar. Therefore, for minimizing the investment risks most of the investors like to invest in the international market.

The major performers, of June 2010 are Ing Russell Glbl Large Cap, Z Seven, Morgan Stanley Pacific Growth and van Kampen Global. So it has become one of the clear fact if you are going to invest in the domestic market you will not get the much high rates as well they have high chances of falling. Mutual Diversification is a smart alternative to invest your money and keep it safe as well as increasing, whether you invest in domestic market or non-domestic market.

Related Diversification In Mutual Funds Topics

Helpful Tips For Mutual Fund Investors

Helpful Tips For Mutual Fund Investors

Buying stocks on margin requires is when an investor is granted a credit account to buy equity without putting the money up front. Qualify for a margin account, and make safe, secure investments with information from an investmentmanager in this free video on investing. Expert: Gregory Bramwell-Smith Bio: Gregory Bramwell-Smith is the relationship and portfolio manager at Bramwell-Smith Associates. Filmmaker: David Pakman

Stocks & Mutual Fund Investments : Buying Stocks on Margin Definition

Mutual fund investments are subject to market risks. Please read the offer document carefully before investing. You must have heard this statement quite often on radio and TV, read it in newspapers, and seen it on any other media. This statement is in relation to mutual funds in India. What mutual fund companies are trying to say here is that there are several different types of mutual funds to suit the need of various people, which is why one must read through the investment statements carefully before investing their money.

The definition of a mutual fund can be derived from its name. It is a collection of money pooled together by a large number of investors (sources) who in turn hand it over to a fund manager to invest in a large portfolio of stocks or bonds. While fund managers take care of your investments, you need to pay them a small fee in return.

There are several different types of mutual funds in India such as Equity, Debt, Money Market, Sector Specific, and Index. There is also something known as a Mutual Fund SIP which is commonly used by people these days. SIPs or Systematic Investment Plans- are actually the manner or method of saving or investing. For example, if Karan wants to invest Rs 1, 00,000 in mutual funds he can invest it all at one go, or do it with SIPs and invest 10,000 a month for 10 months.

There are several factors that one needs to consider while investing in mutual funds.

Find a mutual fund to match your financial profile
While there may be several companies aggressively selling their mutual funds, make a wise decision and go for a plan that suits your income levels. While it is important to save, remember not to opt for a plan that makes you save more than is possible for you.

Be aware of your fund managers track record
It is important for you to pick a reliable and trustworthy fund manager. It is best to pick based on the amount of time the manager has been in charge of a particular fund, and whether he has delivered increasing and reliable returns over that period of time.

Beware of short-term performances
Funds that display spectacular short-term performances are often short-lived. Thus, opt for long-term investments, usually five years or more. In order to judge the credibility of the mutual fund, one would need to observe its past record, how it has fared in relation to similar funds and its overall performance
Recommend Helpful Tips For Mutual Fund Investors Topics

Should I Purchase Mutual Funds?

Should I Purchase Mutual Funds?

A short informative video about the difference between types of mutual funds. Animation for this video was done using Final Cut Pro and Apple Motion. Written, shot, edited and animated by Mike Purgatori.

Mutual Funds for Dummies

This is a great question. In order to answer it, you must understand what mutual funds are and the pros and cons to owning them.

 

Pros:

 

* If you are not a savvy investor and don't have time or resources

  to give learning the ins and outs of mutual funds, then this may be

  the way for you to invest.

 

* Mutual fund managers and analysts wake up each day to do what

  they know best, investing in equities (stocks and bonds). Keep in

  mind that the mutual fund managers earn their (big bucks) income

  from the performance of the fund.

 

* A mutual fund comes in a variety of types and styles of investing.

   For example, there are stock funds, bond funds, sector funds,

money market funds, moral issue funds, target dated funds,

balance funds and asset allocation funds.

 

* Mutual funds can be in a IRA.

 

* Should I purchase mutual funds 

 in my retirement? You can get started with a low investment, such as only $ 1,000.

You can systematically invest and have gains automatically reinvested.

 

* Mutual funds are liquid in that, it only takes 1-3 days to receive

  your money.

 

* Mutual funds pool monies from many individual investors which

  is an advantage in resources for the fund managers for purchasing

  power.

 

Cons:

 

*

 Mutual fund managers buy and sell what's in the funds.

If the

  fund (hopefully) makes money, you may receive capital gains

  distribution which can be reinvested. You will be taxed on this.

 

* Past performance is not indicative of future performance.

 

* Mutual funds do have sales charges, fees and expenses

 

* Mutual funds are not guaranteed or insured by FDIC.

 

* Mutual funds are sold at end of day (usually 4 p.m.) regardless

  of the time of day you place the sell order.

 

There is a lot of information to know about. There are A,B and C shares.

There are load and no load funds. There are break points.

 

As always, asking, should I purchase rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://ezinemark.com/goto.php?url=http://retirementusa.com/financial/investments/bonds">  mutual funds, you should consult a Financial Advisor who is qualified. Be sure to see and ask for their credentials.

 

 

 

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Why to Invest in Dividend Paying Mutual Funds

Why to Invest in Dividend Paying Mutual Funds

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Dividend Stocks-Dividend Genius -Smart Research on Dividends

Investors love dividend-paying stocks because of the reliability of their cash flows & stable businesses that will exist well in to the future. Utility companies, industrial conglomerates & oil & gas companies fall in to this category. However the run up in technology stocks in the late 1990s brought negative effects on dividend paying stocks because investors turned away from them in search of higher growth technology companies. In fact during the market top in March 2000, the average dividend yield of all companies in the S&P 500 Index fell to just 1.1%. This was versus a historic average dividend yield of 3%. Since then, tech stocks have tumbled & dividend paying stocks have become favorable again. In this article, we will go over why now is a good time to invest in dividend paying mutual funds.

Dividend Paying Mutual Funds

Obviously, investing in dividend paying stocks helps to grow your portfolio by re-investing the dividends & letting the power of compounding growth work in your favor.

By re-investing dividends, you are accumulating more shares of your investment, thus slowly increasing your net worth. Purchasing dividend paying mutual funds eliminates the need to identify a handful of dividend paying stocks & provides instant diversification across a whole basket of stocks. Usually, dividend paying mutual funds have 100s or more basket of stocks spread across various sectors such as Energy & Gas, Banking, Real Estate Investment Trusts (REIT), Telecommunications, Utilities, etc. Therefore if one sector of the market gets hit e.g. the Financials or Banks, then your other sectors will not be affected as much, thus lowering your downside risk. Also, re-investing your dividends is done automatically & no additional expenses are incurred.

Advantages of Dividends

Dividends are a way of rewarding shareholders who hold on to a company's stock. The best measure of a company's performance is cash flows & the company that can make stable dividend payments over many years & be able to pay all operating & capital expenses is the best investment you can make. Here are some more advantages of dividend paying mutual funds:

* Dividends add up over time - In fact over the last 25 years, the S&P 500 Index has gained 914%. If you add re-invested dividends, it soars to 2000%

* Dividends are tax-efficient - Interest gained from a Guaranteed Investment Certificate (GIC) at your local bank is taxed at your income tax bracket, which can be as high as 35%. Qualified dividends however are taxed at lower long term capital gains rates, which is 15% for most investors.

* Dividends grow overtime unlike GICs - Most companies that pay dividends are committed to growing their payouts over time as business improves, cash flow efficiency increases & to retain shareholder interest in their stock. As an example, consider McDonalds Corporation (NYSE: MCD). In the last 10 years, McDonald's shares have risen by 192.50% and the company has increased its annual dividend from 22.5 cents a share to a whopping $ 2.32 per share. This represents a tenfold increase in dividend along with the 193% capital growth. Whereas if you purchase US treasuries, you might get 3.2% interest for a 10 year bond with no growth in the interest rate i.e. the 3.2% interest will never increase because it is fixed. Recommend Why to Invest in Dividend Paying Mutual Funds Topics

Mutual Fund Alternatives

Mutual Fund Alternatives

October 8th Dollars and Sense Topic: "How to Read Mutual Fund Reports from Morningstar". "More Living with Jim Brogan" airs each Saturday morning on NewsTalk 98.7 FM WOKI from 9 am to 10 am and can be heard throughout the East Tennessee area. Each week during the show, Jim records a "Dollars and Sense" segment which provides listeners with the week's featured financial tip.

How to Read Mutual Fund Reports from Morningstar

- How To Easily Improve Your Portfolio PerformanceIn these unsure times several investors are worried concerning there mutual fund performance and are wanting for mutual fund alternatives for growth.There is one easy investment (and we have a tendency to mean anyone can do it) that has on past performance exceeded gains of 50% once a year, and this looks set to continue.Thus what investment are we have a tendency to pertaining to-The investment is copperPrices of copper have increased in value more than six-fold since late 2001!These gains look set to continue and this investment could be a nice different to mutual funds in terms of performance and risk / return.It is simple to invest in copper.This is often a bull market and all traders want to do is to time their entry correctly and then sit back and fancy the ride.Thus why is copper thus bullishQuite simply, we have low inventories tight offer and big demand as global economic demand soars,

because the new economic super powers of China and India join the economic elite.Copper could be a barometer of economic growth and world demand overall is soaring, there is simply not enough copper to fulfill demand and this suggests higher prices.RiskWhen trying at mutual fund alternatives is copper additional risky than mutual funds-We don't assume therefore, at the tip of the day, mutual funds are much additional volatile than several believe and also the investment performance of most fund managers is dire - if you make double digit gains your lucky!Copper on the opposite hand is up 600% in simply a few years and you'll be able to trade with unlimited profits and limited risk with options.DiversificationReduces risk of your overall portfolio and copper is thus an mutual fund various investment that may compliment your existing portfolio and scale back risk.Commodities buy and holdIf you are wanting at commodities as a mutual fund various then you need to adopt a strai ghtforward obtain and hold strategy for future gains - Keep in mind, your investing for the long term.Other opportunities for fifty - a hundred% annual gainsCopper isn't the sole commodity that produces a nice mutual fund alternative investment, there are a number of more.We have recently as an example, written articles on energies and you'll have seen our recommendations in simply two weeks create additional than most fund managers do in an exceedingly year!Check out our previous articles and you may see.In fact, our copper trade last week achieved an analogous performance!Commodities are a nice mutual fund different investment, because they are straightforward to understand, their real and everybody will follow the trends happening in the worldwide economy.Could this be the foremost profitable of all-As a mutual fund various copper may be a nice investment, crude oil and unleaded gasoline have additionally done very well for us,

however maybe the best mutual fund alternative of all is natural gas.Natural gas continues to trend lower, however will probably become one in every of the biggest commodity market bull moves of recent years and investors will simply build 100% per annum.Why-As a result of crude oil prices are high and natural gas is affordable and not subject to geo political considerations that have an effect on crude oil.So, the switch to gas that has already started can accelerate.

Furthermore, provide will not be in a position to stay pace with demand and this can see huge worth spikes.For currently natural gas is trading lower, however not for abundant longer in our view, traders who wish a mutual fund various ought to contemplate this commodity as well.

Copper but several more choicesCopper may be a great mutual fund alternative investment right now and natural gas may be a part of it during a huge bull run.If you would like mutual fund alternatives that are simple to understand and trade, look no any than commodities, with copper and natural gas two you must consider.These mutual fund alternative investments will build you fifty - a hundred% annual gains simply by using a simple obtain and hold strategy and you don't need a fund manager to do them, thus you'll be able to save the fees and not have to listen to the excuses for poor performance!

 

Recommend Mutual Fund Alternatives Topics

Mutual Funds For Neophytes

Mutual Funds For Neophytes

401k, 403b, fiduciaries, investments, investment fees, disclosure, mutual funds, investing, stock funds, bond funds, Fidelity, American Funds, Vanguard, T. Rowe Price, cash, risk, performance, brokers, advisors, commissions, proposals, RFP, Pricing, stocks, bonds, Roth, pre-tax, tax deferral, conservative, aggressive, target-date, life-cycle, investment advice

About Fidelity's 401(k)

By now most of us have some experience with mutual funds. We have them in our 401(k) accounts or our IRAs. Often we have a limited set to choose from on our company's investment plan. Nevertheless most of us have at least seen one.

Mutual funds are collectives of investor money that are managed and invested in underlying equities. A professional is hired to operate the fund, called the fund manager, and generally he is guided by a prospectus, which provides guidelines to what kind of investing the fund will do.

Usually funds invest in stocks, bonds and other types of cash accounts with which you are probably familiar. However, they can invest in just about anything and can vary the proportions. Usually these investments and proportions are reallocated periodically by the fund manager to do what will maximize returns in his or her judgment.

There is a particular kind of mutual fund which should be of special note to the average investor, the index fund.

These are funds in which the collective pool of investment money is used to buy weighted shares of a given index. There really isn't much for the manager to do in these funds and so often his or her fees are very low.

While index funds may not sound terribly exciting, over time they tend to outperform just about every other strategy. By investing in the stock market as a whole, you can lock in roughly the returns that the stock market will average. Believe it or not, over long periods of time this tends to beat just about every managed fund out there.

Ultimately there is much more to know about investing in mutual funds, but for those who do not have much experience, it makes a lot of sense to start by looking at index funds.

Before you invest a lot of time and energy into dissecting mutual funds, it can make sense to start with a baseline. More Mutual Funds For Neophytes Articles

Buy Mutual Funds

Buy Mutual Funds

The 30-day compounded yield was unchanged at 0.03 percent, Money Fund Report said. The average maturity of portfolios held by money market mutual funds rose to 47 days from 46 days. The online service Bankrate.com said its survey of 100 leading ... Money market fund assets rose to .574 trillion

Sir John Marks Templeton was an investor and mutual fund pioneer. Templeton was born in the town of Winchester, Tennessee. He attended Yale University and was selected for membership in the Elihu society. He financed a portion of his tuition by playing poker, a game at which he excelled. [2] Templeton graduated in 1934 near the top of his class. He attended Oxford University as a Rhodes Scholar and earned an MA in law. Templeton married Judith Folk in 1937, and the couple had three children: John Jr., Anne, and Christopher. Judith died in February 1951 in a motorbike accident. He then married Irene Reynolds Butler in 1958; she died in 1993. He was a lifelong member of the Presbyterian Church. He served as an elder of the First Presbyterian Church of Englewood (NJ). He was a trustee on the board of Princeton Theological Seminary, the largest Presbyterian seminary, for 42 years and served as its chair for 12 years. Temp leton became a billionaire by pioneering the use of globally diversified mutual funds. His Templeton Growth, Ltd. (investment fund), established in 1954, was among the first who invested in Japan in the middle of the 1960s. He is noted for buying 100 shares of each company for less than ( in current dollar terms) a share in 1939 and making many times the money back in a 4 year period. In 2006 he was listed in a 7-way tie for 129th place on the Sunday Times Rich List. He rejected technical analysis for stock trading, preferring instead to use fundamental ...

The Wisdom of Sir John Templeton

In case you wish to acquire mutual funds, you really want to grasp nearly everything you'll be able to concerning how to buy mutual funds. Mutual funds will be the path to proceed to be able to build seriously fantastic purchases in your investment.

This is because they can be extremely quick to acquire plus these are generally also very simple to trade.

Mutual funds are generally vibrant in benefits plus abilities. You'll have got to complete your groundwork on how to buy mutual funds.

You absolutely need to identify which of these could accommodate exactly what you would need and can provide you with the mutual funds that you could certainly get. The 1st step is always to find the fundamental steps on how to buy mutual funds.

This can be basically a portfolio made up of the selection of securities including bonds, certificates, in addition to stocks and options.

The majority of funds have got concentration or a focal point that could direct you with the type of investment which you are venturing.

The subsequent phase if perhaps you intend to buy mutual funds would be to locate your current investment ambitions.

Your unique objectives eventually define the type of mutual monetary fund that's appropriate to all your specifications.

In the event you intend to pay off for your personal college degree or save the money for your personal pension, it only is sensible that you obtain the maximum amount of income as you are able to with your mutual fund.

Figure out how you invest in mutual funds in addition to allow it to show with your all round stock portfolio.

Your total investment is simply the component of your current group investments.

These should really subsequently get allocated to your mutual resources in respect to your investment plan.

It is easy to identify the percentage after which you can simply firmly stick to these. When you intend to buy mutual funds, make sure if these encompass equities that may very well be a liability to your investment.

Immediately after having finished these, the following procedure on just how to buy mutual funds is always to determine your risk appetite. You are able to tailor your investment funds in such a way that you are generally much less aggressive.

It really is likewise beneficial to diversify your investment funds given that some market sectors could experience a recession.

Just by diversifying your current mutual funds into stocks, bonds along with also money market, you may easily reduce the consequence with your stock portfolio.

Last but not least, as you search for the mutual funds that are worth investing, financial magazines and also mutual funds assessment internet sites will be able to demonstrate the risks, fund performances, plus additional details for example mutual fund manager performance, entire investments handled in addition to stock portfolio

Find More Buy Mutual Funds Issues

Best rated mutual funds 2011

Best rated mutual funds 2011

In this episode of Businessworld Best Mutual Fund Awards 2011 we have the chief guests give away the awards for various categories.

Businessworld Best Mutual Fund Awards 2011 - The Top Mutual Funds Part 1

Mutual Funds are the smart way to invest your hard earned money to earn MORE RETURNS. A lot of top rated Indian funds are available for investing. You should be smart enough to pick the best and invest. Here is some information that would assist you to choose the best mutual funds to invest in 2010.

The top companies in India are:

SBI
Franklin Templeton
Reliance
Tata Mutual Fund
Sundaram BNP Paribas
Fidelity Investments

There are lot of schemes launched by these companies as well as the other companies. Before investing in any particular scheme, you should analyze the ratings of these schemes. The ratings for the schemes are awarded by top credit rating companies. Some of the credit rating companies in India are CRISIL, ICRA etc. These companies give ratings for the schemes after doing considerable research on the profile and the performance of the schemes.

Indian companies have also launched Systematic Investment Plans for the benefit of retail investors and low income persons. In this scheme, monthly investments are made in the schemes, through which you can buy units at a considerable low average price when compared to regular investments.

Some of these SIP Schemes perform well when compared to regular schemes. These schemes would be rated well by the rating companies after analysing the past returns. There are schemes with SIP plans where the minimum investment amount is Rs 100. So you have a choice of investing in the SIP Schemes to earn good returns.

Next Step: Find the Best rated schemes and start investing.

Recommend Best rated mutual funds 2011 Topics

AIG Global Investment Mutual Fund Schemes

AIG Global Investment Mutual Fund Schemes

If you are looking to diversify your investment portfolio, you should look into mutual funds in addition to individual stocks. One other benefit is that the variety of businesses in which you are investing your money is determined by an expert fund manager whose success depends on how well this particular fund performs. The trouble with mutual funds is that there are fees applied because you have to pay for the fund's supervision, which is subtracted automatically from the fund's worth. Additional charges and fees can negatively affect the income your investment generates. It is extremely advisable to check out the various types of fee that are charged by a mutual fund company before investing even in the best of funds. mutualfundsthatbenefit.com Morningstar's website offers some of the best mutual fund advice aroundThe best performing mutual funds can be easily located using this resource. The websites offers much no cost information, and the best performing mutual funds are divided into classes that you may search to find the fund most appropriate for your investing style. The best performing mutual funds are listed on the left margin of the site. mutualfundsthatbenefit.com I also frequently use MSN's Money website to gather data about the mutual funds that are performing the best. Like Morningstar, this site gives concise information on the best performing mutual funds; but, it is the "Expert Picks" part of the site which is most significant. Observing a professional ...

Best Performing Mutual Funds - What You Should Know

The asset-management industry scored a victory yesterday as U.S. Securities and Exchange Commission Chairman Mary Schapiro abandoned her quest to impose tougher rules on money-market mutual funds. Three of the four other SEC commissioners didn't ... SEC's Schapiro Turns to Dodd-Frank Panel on Money Funds

AIG is one of the leading global investment companies in the world. It offers asset management services in India through "AIG Investments". AIG Investments has launched a lot of mutual fund schemes that are performing well.

Some of the best performing schemes are:

AIG India Equity Fund AIG Infrastructure and Economic Reform Fund AIG India Treasury Fund AIG Short term fund

Net Asset Value - NAV:

Net asset value is the closing price of the unit allotted in that particular scheme. The NAV of each unit at the issue of "New Fund Offer" is Rs 10. Once the fund managers starts investing the funds and the shares starts performing, then the NAV of the unit starts increasing.

The NAV of some of the schemes in July, 2010 are listed below. The NAV changes at the end of each trading day. So it is your responsibility to check the latest NAV on that particular day through the mutual fund company website.

AIG India Equity Fund - Institutional Plan - Dividend - 12.534 ( 20/07/2010)

AIG India Equity Fund - Regular Plan - Dividend - 12.278 ( 20/07/2010)

The Net Asset value of the fund is very important when we invest in other types of schemes like "Systematic Investment Plans". In Systematic investment plans, each month additional units are added to a particular portfolio. The NAV determines the number of units that would be added to that particular portfolio. You can make payments in SIP Plans through post dated cheques or through SIP auto debit facility.

Next Step: Read more and start investing in AIG Schemes. Related AIG Global Investment Mutual Fund Schemes Topics

The Safest Mutual Funds

The Safest Mutual Funds

Sept. 29 (Bloomberg) -- Bloomberg's Charles Stein talks to Mark Crumpton and Julie Hyman about the shift by investors into index funds that helped Vanguard Group Inc. snatch the No. 1 ranking as the largest US mutual-fund company by assets from Fidelity Investments. (Source: Bloomberg)

Bloomberg's Stein Says Financial Crisis Aided Vanguard: Video

The safest mutual funds have a great track record for safety, and they pay interest in the form of dividends. They have a share price that is pegged at $ 1, which does not fluctuate like the share price of other mutual funds. Trillions of investor dollars have been safely invested in these money market funds over the years.

In 2008-2009 millions of investors took major losses in mutual funds, and many of them made a false conclusion: that mutual funds in general are risky investments. This is not the case. Stock funds involve considerable risk, and longer-term bond funds come with moderate risk. Unfortunately, many investors had most of their investment assets in stock funds in 2007, and continued to hold them as the stock market tumbled.

High quality short-term bond funds involve less risk and money market funds (MMFs) are at the top of the list for safe mutual funds.

If you want safety and/or are putting money aside for a shorter-term goal like college funding or to accumulate a down payment to buy real estate, consider investing in both of these fund types.

If you want to add safety to your retirement portfolio, hold these funds along side your stock funds and other investments.

Both bond funds (also called income funds) and money market funds pay interest in the form of dividends. These dividends are normally subject to income tax unless the fund is held in a tax-qualified plan (like a 401k or IRA). In this case the income from dividends is either tax deferred or tax free.

There are also tax-exempt (tax-free) income funds and MMFs designed for folks in higher tax brackets. These invest in municipal securities issued by government entities like the State of Ohio.

The interest paid to investors (dividends) is free from federal income tax.

Traditional (taxable) money market funds and income funds invest in debt securities (IOUs) of the federal government, banks, and other corporations. Now, here's the difference between money market funds and bond or income funds, including short-term income funds.

All bonds and income funds come with interest rate risk. In simple terms this means that if you hold them you will lose money if interest rates in the economy go up. This risk is highest for long-term bonds and funds, and much lower for quality short-term bonds and short-term income funds, which are the safest bond funds.

The advantage of bonds (and funds that invest in them) is that they pay higher interest (dividends). Long-term income funds pay the most, and short-term bond funds pay the least. Generally, these short-term income funds pay a bit more in dividends than money market funds.

The traditional money market fund (MMF) invests in high quality short-term IOUs issued by the federal government (T-bills), banks and other major corporations. This short term debt is of very high quality and generally matures in a matter of weeks or months. This arena of investments is referred to as the money market.

Because of the short term nature of these securities, an MMF is continually replacing those securities that have matured with new ones at current competitive interest rates. Hence, as interest rates go up, so do the dividends for the fund. When interest rates fall, fund dividends do as well.

Due to the short term nature of their holdings, these funds have virtually no interest rate risk; and since their holdings are of such high quality there should be very little investment risk to be concerned with.

You can earn competitive interest rates by simply holding an MMF, with very little risk of losing money.

In the early 1980's investors earned double digit returns in money market funds because interest rates were at historical highs. Unfortunately, 2008-2009 ushered in a period of historically low interest rates, and MMF returns followed suite.

When rates rise, the dividends for these safest of mutual funds should as well.

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