Previously Answered Questions


Are no-loads always better?
June 20, 2008

Question: 
Is it always better to own a no-load fund than a load fund?

In need of growth and income
June 19, 2008

Question: 
I am retired with a small nest egg and have very little income. Because I must live off this nest egg, it is important that my investments generate adequate income. But this income is not likely to be adequate, so my investments must also provide growth. How should I proceed?

Swimming upstream
June 17, 2008

Question: 
How should I invest $100,000? I want to pay the mortgage on my home ($1,500 per month) with the income from the initial investment?

Which fund is more tax-efficient?
June 14, 2008

Question: 
I have read that Vanguard's Total Stock Market Index Fund is much more tax efficient than the Vanguard 500 Index Fund that you have recommend. And they seem to have virtually identical returns. Why don't you recommend the Total Stock Market fund for its tax efficiency? Also, I am impressed with Vanguard Primecap and Vanguard Health Care funds. What is your opinion of them?

Investing at age 26
June 11, 2008

Question: 
I am 26 years old and just started investing. I have sent the paperwork for a Roth IRA in the Janus Enterprise fund. For a non-IRA account I selected Janus Mercury, and I’m also considering adding Janus Growth & Income. For somebody looking for long-term growth, is this a solid start?

Getting to $1 million
June 06, 2008

Question: 
My wife and I are 44 years old and we have about $90,000 in our IRA accounts. We are adding $1,000 to $1,500 a month. We wonder if there is a good way to invest our money without a lot of risk and volatility and still earn 9 percent to 12 percent a year. Our goal is to have at least $1 million in investments by the time we retire in 21 to 26 years. Any suggestions?

Overcoming a financial setback
June 04, 2008

Question: 
We had a financial setback a few years ago and have just now climbed out of debt. I must retire in four years and we need to buy a house. We want to make a $100,000 down payment to keep our mortgage payments down. I have a job that could allow me to save $20,000 a year. How would you suggest I invest these savings to allow growth at a reasonable level of risk?

The best place for information
June 01, 2008

Question: 
Where can I get comparative information on mutual funds? What comparisons are the most important?

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