Best Investment Strategy & Best Funds to Invest in on Your Own

The best investment strategy still involves investment in stocks and bonds, and mutual funds are still the best investment options for most people investing on their own. Now, where do you find the best funds to invest in?

In order to put together your own best investment strategy you will need: access to a variety of investment options, diversification, and a low cost of investing. All three of these requirements can easily be satisfied and simplified if you invest directly with the right fund companies. That’s where you can find the best funds for your money, plus good service free of charge.

Let’s start with the need for a variety of investment options to choose from. Both stocks and bonds come in many varieties with varying degrees of risk. With mutual funds you can be conservative or aggressive in both investment categories by simply choosing funds that agree with your risk tolerance. For example, shorter-term bond funds are much safer than long term bond funds and could be the best funds for the conservative investor in search of higher interest income than is available at the bank. Each fund states its objectives and is rated for relative risk.

Now let’s look at diversification in putting together your best investment strategy. Diversification is the key to long term investing with less risk, and is the signature of mutual funds. Instead of managing your own list of dozens of individual stocks and bond issues, you can be instantly diversified and own a small part of a large portfolio of stocks and/or bonds with a single mutual fund investment. Plus, your investment will be professionally managed for you, usually at a reasonable cost.

In uncertain times like today, don’t overlook the importance of keeping investing costs low in your investment strategy. Some of the best funds today come from some of the lowest-cost and largest fund companies in America. A higher cost of investing can lower your net profits significantly. The two largest mutual fund companies in America are Fidelity and Vanguard. Both offer low-cost funds called no-load funds that have no sales charges (loads) and lower than average yearly expenses.

Where can you find these best funds for your money? Simply get on the internet and search “no-load funds”. The major fund companies that offer low-cost funds will be at your fingertips. Visit their websites and request free information. If you have questions call them toll-free. I’ve personally steered dozens of friends, family, and former clients in this same direction without a single complaint.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.


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