Money Market Funds

Some of the safest and most convenient mutual funds for retired people include money market funds. These funds pay monthly dividends regardless of fluctuations in the stock market, and they invest in U.S. government and corporate bonds as well as certificates of deposit. While their returns tend to be low, these funds offer stability and quick access to money, usually through check-writing privileges.

Income Funds

Income-producing funds include mutual funds that provide distributions from dividend-paying stocks. While many funds generate income throughout the year that’s paid out as dividends on a quarterly, semi-annual or annual basis, some mutual funds focus entirely on dividend-producing stocks. Such mutual funds usually have the word dividend in their names as well as appreciation or growth. These funds guarantee dividend payments, which is a plus for retired people, but their overall returns depend on market performance.

Other Equity Funds

Maintaining some portion of a portfolio in other equity funds helps ensure capital appreciation over the many years that most retired people will need money. Large-cap funds that invest in U.S. blue chip companies offer the opportunity for long-term capital growth. Total stock market mutual funds are another option that provides exposure to the entire U.S. market and helps you take advantage of returns during bull markets.

Investment Proportions

References

Resources

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