Do you invest in Mutual Funds? How about stocks?

I have my major investments all in mutual funds. I have never invested money in trading shares in secondary market. There are reasons for a particular decision and these depend on individual choices. Choices are determined by: # Risk taking ability # Short term or long term investment # Amount of money available # Amount of time available for study & analysis # Background & understanding of an individual The advantages of investing in mutual funds is that: # One can invest small sums of money at regular intervals through SIP [Systematic Investment Plan] # One doesn't have to get into depth& details of stocks & shares comprising the fund since someone who is an expert will do it # Mutual funds offer instant liquidity while continuing to earn returns; except some savings linked funds, there is no lock in period. # There are lesser chances of capital loss as might happen in the case of equity stocks # Choice of steady returns, high returns or capital appreciation Unless I have plenty of time to research before making buy-sell decisions and to follow the market on a day-to-day basis, I would never invest my money in shares. It is always good to subscribe to some renowned financial advisory internet resource to enhance knowledge and also as a source of balanced advice. Hope I have been able to provide some useful info!

I have invested a small amount in stocks but have mixed results. I invested some money in 2007 when the stock market was at an all time high. No sooner did I invest than it went bust. Some of my stocks are coming back but are still less than when I bought them. I bought some stocks when the market was very low and those stocks are doing well. I tried investing in a mutual fund through AARP Financial. Last year, they chose to shut the fund down because of the economy and sent me most of my money back. But I did lose about $100. The American stock market had a great day today but tomorrow it could plunge. No one knows what to do. I am just holding on to my money.

hi Lhenni, yes mutual funds is better than keeping your money in a savings account in our country, the advantage of mutual funds is that you get the leverage of big time stock investors who invest millions of dollars for as little as 1,000 pesos or approximately 23 U.S. dollars every time you invest and you can always control when you want to put in more money. Another thing is your pooled investments together with a lot of others is managed by an expert fund manager so it frees you the stress especially if you lack the money or the knowledge on stock investing, now the down side of mutual funds is it's not covered by our bank insurance laws, so if it goes down, you do not get any compensation. That's good that you invest on mutual funds but my tip for you is "do not put all your eggs in one basket" diversify your investment portfolio, invest when you have money to invest and needless to say money you can afford to lose. And by diversifying, I mean maintain your job if you have one, good also if you have a business or a side line, put some on your savings account, some in real estate property or gold, medical, health and education insurance and always see to it that you have ready cash or cash on hand in case certain emergency situation arises, oh yes continue online earning like Mylot to add money to your total income, good luck on your investment.

Hello there Lhenni! Good for you that you had already invested in Mutual Funds! I've been longing to invest in Mutual Funds but I'm afraid to take a risk! I'm looking for a very reliable institution wherein I can invest my money. How I really wish that I can invest as soon as possible.

I don't really invest in mutual funds, but I invest in something like that which is called UITF. They are much like the same kind but the policy making and regulation body are different. Yes, you can actually earn more than bank interests in mutual funds and UITF. However, there are certain risks coupled with it. I am also into stock trading but I am more of an investor than a trader. I may see myself as a fundamentalist type of investor as I am still learning the technical stuff. Yes, I do believe that they are great ways of accumulating money, however as I have said earlier, they have risks so you better prepare yourself and is ready for such risks. The higher the risks, the higher the rewards. Good luck on your money accumulation!

I just follow stock market of my country and since I'm pretty young I don't have so much money to make some real investments but my parents did buy me a few stocks for my birthday so yeah it's interesting, but you have to be very lucky to gain some profit in there, it depends a lot about luck

Dear First of mutual fund and stock market is risking investment as they all depend upon the market, bu mutual fund is low risk as it is operated by numbers of people who didnot want to invest their money in stock market. Even some of mutual fund gives high yield like SBI MF, RELIANCE MF etc. The lock in period of mutual fund is around 1 to 3 years. while share market you may understand the concept and background of the company where you invest and also you have daily analysis your performance. But now the main point who is more beneficial not say properly, but in my point of view in Mutual fund you have low risk and return chance is good as compare to stock market.