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Some Mutual Funds companies offer their load mutual funds through the Broker/Dealer community at Net Asset Value (NAV) to some large investors.
Typically, these funds are offered at NAV to individual investors who make substantial investments in the family of funds. Generally, most have a minimum of $500,000 and some only offer funds at NAV if the investment is as high as $1,000,000.
Generally, NAV offerings are made to institutional investors, some retirement plans investments (depending on the size), and to individual investors who transfer from one load fund to another load fund.
Funds offer professional investment management and are available for investment and diversification with virtually all major financial assets classes.
Mutual funds offer broad diversifications within different markets and different asset classes: Money Market Funds, US and Foreign Bond Funds, Corporate and Government Bond Funds, High Yield Bond Funds, US Stock and Foreign Stock Funds, Balanced Funds, International and Global Bond Funds, World Income Funds, Utility Funds, Technology Funds, Precious Metal Funds, etc.
Mutual funds offer access to several investment classes that are difficult for individuals to access directly.
Some families of mutual funds offer up to 100 different investment funds within their family of funds.
Mutual funds offer monthly accumulation plans.
Mutual funds offer systematic payouts.
Mutual funds offer exchange privileges within their families.
Mutual funds offer dividend spinning and other automatic asset reallocation plans.
Mutual funds offer liquidity.
Mutual funds are typically fully taxable, except tax-free bond funds, or funds held within an IRA, pension plan, charitable trusts.
Mutual funds can be purchased by individuals, corporations, trusts.
Mutual funds with many asset investment choices can address the issue found in one study which suggested that optimal long term investment performance can be traced to asset allocation.
For more complete information including charges and expenses obtain a prospectus, read it carefully before you invest or send money.
Mutual Fund, Variable Annuity and Variable Life prospectuses are available directly from the issuing companies; and, in some cases, can be downloaded directly on the issuing company's internet website.
Systematic and dollar cost averaging within Mutual Funds, Variable Annuities and Variable Life insurance policies does not assure a profit and does not protect against loss in declining markets. It involves continuous investment in securities regardless of fluctuating prices and the investor should consider his or her financial ability to continue purchases through periods of low price levels
Investing in stocks, bonds, mutual funds and variable annuities does not guarantee a profit.
All of these investments can lose money.
