Conservative Funds

Conservative mutual funds consist of a wide variety of bond funds that exist. There are Treasury bond funds, municipal bonds funds and large-cap corporate bond funds. Conservative funds look for modest returns on investment, focusing on preserving capital as you close in on retirement and needing access to the money. Finding the best conservative fund starts with looking at your objectives. Municipal bond funds are often a poor choice because these tax-free funds give you no additional tax benefits being in a 401k and often have lower interest rates. Good Treasury bond funds look to beat the existing Prime rate advertised at banks and financial sources. Corporate bond funds have slightly higher risk, but the best get a higher rate than Treasury bond funds. Look for a 10-year performance history to see what fund best meets you objectives.

Moderate Funds

Aggressive Funds

Aggressive funds seek high returns where investors accept higher risk. Aggressive funds include those buying small-cap stocks, international and new market companies or new technologies. Small-cap and new technologies often don’t have the track record to consistently prove returns and may experience growth difficulties or even go bankrupt. International funds have the added risk of political problems in the country of investment, as well as currency issues.

Portfolio Diversification

References

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