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2021-04-09
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How to choose investment funds—what to do, and what to avoid
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This same group of respondents shared what factors they consider when choosing investments, and while some are important considerations, others probably shouldn’t be a primary concern.</p>\n<p>Here’s a look at some practices you may want to adopt in your own investment research, as well as what you might avoid.</p>\n<p><b>Future, past growth top ways investors choose funds</b></p>\n<p>Of Americans who say they're invested in ETFs, index funds or mutual funds, here's what they base their fund choices on.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/83b2b12a81ca106c620aed234a9e3d6c\" tg-width=\"928\" tg-height=\"748\"><span>Source: NerdWallet survey conducted online Feb. 9-11, 2021, by The Harris Poll. Respondents include 997 Americans who are invested in ETFs, index funds or mutual funds; they were able to choose more than one response.</span></p>\n<p><b>What to consider when choosing funds</b></p>\n<p><b>1. Keep growth in mind, but don’t try to predict the future</b></p>\n<p>According to NerdWallet’s survey, 44% of Americans who are invested in ETFs,index funds or mutual fundssay they choose funds based on future growth potential and 32% choose them based on historical growth. You might compare funds’ past trajectories, but it’s important to understand that past performance isn’t a guarantee of future growth. And rather than try to identify which narrow sector will thrive in the future and invest there, you may want to choose a broad index fund that mirrors the performance of a market index — like the S&P 500 — shown to produce returns over a longer time horizon.</p>\n<p>Passively-managed index funds and ETFs tend to be low-cost options for those who want a hands-off way to diversify their portfolios.</p>\n<p><b>2. Minimize costs so they don’t eat up returns</b></p>\n<p>The survey shows that close to 3 in 10 Americans who are invested in ETFs, index funds or mutual funds (28%) say they choose funds based on which ones have low fees. Again, passively managed funds tend to carry lower costs, while actively managed mutual funds might be more expensive since a human advisor is choosing the investments.</p>\n<p>When evaluating costs, a major factor to consider is the fund’s expense ratio. This is an annual fee expressed as a percentage of your investment. You should compare the expense ratio of the fund you’re considering to that of other similar funds to make sure you’re evaluating it in context. While 1% might seem like a low fee, it could cost tens or even hundreds of thousands of dollars more over time than a fund with an expense ratio of 0.25%.</p>\n<p><b>3. Consider social impact if that’s a priority for you</b></p>\n<p>About a quarter of Americans who are invested in ETFs, index funds or mutual funds (24%) say they choose funds comprising companies or industries that align with their beliefs, according to the survey. Socially responsible investing, or SRI, is gaining in popularity and allows investors to choose funds composed of companies doing good in the world, such as promoting racial equality or having sustainable practices.</p>\n<p>“Doing good” means different things to different people, but you can start by screening for funds based on factors that matter to you. Remember to check out expense ratios for any SRI funds you’re interested in, as you may find that some have higher fees than traditional funds.</p>\n<p><b>What not to consider when choosing funds</b></p>\n<p><b>Word of mouth</b></p>\n<p>According to the survey, among Americans who are invested in ETFs, index funds or mutual funds, 19% say they choose funds recommended by loved ones and 13% say they choose funds discussed in the media. Even if your loved one is a financial professional or otherwise financially savvy, it may not be a great idea to get investing information from friends and family.</p>\n<p>Instead, do your own research. Likewise, investments discussed in the media might not be the best suited to your needs. And consider your personal financial goals, risk tolerance and the amount of time you have to invest when choosing your investments.</p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>How to choose investment funds—what to do, and what to avoid</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHow to choose investment funds—what to do, and what to avoid\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-04-09 17:13 GMT+8 <a href=https://www.marketwatch.com/story/how-to-choose-investment-fundswhat-to-do-and-what-to-avoid-11617385399?mod=mw_latestnews><strong>MarketWatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Three factors to look at\nMore than half of Americans (53%) say they’re currently invested in exchange-traded funds, mutual funds or index funds, according to a new NerdWallet survey. This same group ...</p>\n\n<a href=\"https://www.marketwatch.com/story/how-to-choose-investment-fundswhat-to-do-and-what-to-avoid-11617385399?mod=mw_latestnews\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".DJI":"道琼斯",".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite"},"source_url":"https://www.marketwatch.com/story/how-to-choose-investment-fundswhat-to-do-and-what-to-avoid-11617385399?mod=mw_latestnews","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1109126195","content_text":"Three factors to look at\nMore than half of Americans (53%) say they’re currently invested in exchange-traded funds, mutual funds or index funds, according to a new NerdWallet survey. This same group of respondents shared what factors they consider when choosing investments, and while some are important considerations, others probably shouldn’t be a primary concern.\nHere’s a look at some practices you may want to adopt in your own investment research, as well as what you might avoid.\nFuture, past growth top ways investors choose funds\nOf Americans who say they're invested in ETFs, index funds or mutual funds, here's what they base their fund choices on.\nSource: NerdWallet survey conducted online Feb. 9-11, 2021, by The Harris Poll. Respondents include 997 Americans who are invested in ETFs, index funds or mutual funds; they were able to choose more than one response.\nWhat to consider when choosing funds\n1. Keep growth in mind, but don’t try to predict the future\nAccording to NerdWallet’s survey, 44% of Americans who are invested in ETFs,index funds or mutual fundssay they choose funds based on future growth potential and 32% choose them based on historical growth. You might compare funds’ past trajectories, but it’s important to understand that past performance isn’t a guarantee of future growth. And rather than try to identify which narrow sector will thrive in the future and invest there, you may want to choose a broad index fund that mirrors the performance of a market index — like the S&P 500 — shown to produce returns over a longer time horizon.\nPassively-managed index funds and ETFs tend to be low-cost options for those who want a hands-off way to diversify their portfolios.\n2. Minimize costs so they don’t eat up returns\nThe survey shows that close to 3 in 10 Americans who are invested in ETFs, index funds or mutual funds (28%) say they choose funds based on which ones have low fees. Again, passively managed funds tend to carry lower costs, while actively managed mutual funds might be more expensive since a human advisor is choosing the investments.\nWhen evaluating costs, a major factor to consider is the fund’s expense ratio. This is an annual fee expressed as a percentage of your investment. You should compare the expense ratio of the fund you’re considering to that of other similar funds to make sure you’re evaluating it in context. While 1% might seem like a low fee, it could cost tens or even hundreds of thousands of dollars more over time than a fund with an expense ratio of 0.25%.\n3. Consider social impact if that’s a priority for you\nAbout a quarter of Americans who are invested in ETFs, index funds or mutual funds (24%) say they choose funds comprising companies or industries that align with their beliefs, according to the survey. Socially responsible investing, or SRI, is gaining in popularity and allows investors to choose funds composed of companies doing good in the world, such as promoting racial equality or having sustainable practices.\n“Doing good” means different things to different people, but you can start by screening for funds based on factors that matter to you. Remember to check out expense ratios for any SRI funds you’re interested in, as you may find that some have higher fees than traditional funds.\nWhat not to consider when choosing funds\nWord of mouth\nAccording to the survey, among Americans who are invested in ETFs, index funds or mutual funds, 19% say they choose funds recommended by loved ones and 13% say they choose funds discussed in the media. Even if your loved one is a financial professional or otherwise financially savvy, it may not be a great idea to get investing information from friends and family.\nInstead, do your own research. Likewise, investments discussed in the media might not be the best suited to your needs. 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