Getting a decent return on your money is really not that simple for the majority of investors these days. Not merely is the population aging, which means that these people will be trying to supplement their pension from interest off their capital, but the younger population is also be looking for investment opportunities in order to make up a nest egg for their retirement.
One of the most popular investment vehicles is something called mutual funds. Mutual funds have been around for more than a hundred years and have proved themselves over and over again as reliable investment options.
However, there are hundreds, if not thousands of mutual funds, so choosing which one to invest in is quite hard. However, it is important to opt the right one(s) because the difference in performance between the best ones and the worst ones is quite frightening.
Mutual funds work on the principal of numerous investors who do not have the time, inclination or knowledge to invest for themselves, hand their money to to a mutual fund so that they get cheaper dealing charges (economies to scale) and they also get the services of an expert stock picker to manage their nest egg for them.
The difficulty with mutual funds is that you still have to keep an eye on them. After all, managers move on to other companies, so if you believe in one particular manager, you might want to sell up and follow him or her when they move on.
One of the most successful mutual funds over the very long term is the Fidelity Mutual Fund. In fact, Fidelity manages quite a number of mutual funds, so even if you decide to go with Fidelity, you still have to pick which funds precisely.
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You can rely on a manager or adviser to take or help you make these decisions or you can guess for yourself. For example, you may think that Japan or the Pacific Basin is pretty cheap and ought to do well over the next ten years. Or you may think that commodities have to increase in price. You can decide on Fidelity mutual funds for these more refined investment choices.
The problem with Fidelity Mutual Funds as with all mutual funds and indeed all investment vehicles is that nothing remains the same for ever, so you have to check your investments regularly (or have someone else do it for you, which is never as good).
Mutual funds are a long term investment which means that you ought to expect to leave the money in there for at least ten years. In fact, there are penalties and early get-out clauses.This is because financial advisers are paid for introducing you to Fidelity and Fidelity has to recover that money from you.
Do not join any Fidelity Mutual Fund (or any other mutual fund) without first checking out their web site and reading their latest terms and conditions. If you still feel that Fidelity could be OK for your investment needs, find a broker or your bank and get their advice. At least that way, if the fund does badly you will have someone to grumble to and you will not get the fund any cheaper whether you go through a broker or not.
If you are interested in the Fidelity Mutual Funds or saving in general, please go along to our website entitled Saving in Mutual Funds