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Invest in the Power of Mutual Funds

Not everyone has a degree in finance. Mutual funds can be a smart investment option because you can rely on professional fund managers to do the heavy lifting.

Mutual Funds

Most of us do not have the time or inclination to manage all of our investments. Putting cash into a simple money market account and watching our monthly earnings is one thing, but being responsible for a large portfolio of different securities is quite another. Mutual funds can be an effective way for you to achieve instant diversification of your investments while relying on the expertise of professional money managers to do the hard work.

Let's start with a basic definition. A mutual fund is a professionally managed fund that invests money from you and other shareholders in a group of assets, such as stocks, bonds, commodities, or other securities. You, together with other investors who share similar financial goals, contribute cash to a particular mutual fund. A fund manager then administers this pool of invested money, deciding when to buy and sell fund assets based on market conditions to in an effort to maximize the fund's earnings. That's the heavy lifting part. If you are a beginning investor, having experts manage your money can be a big plus by offering you greater confidence.

An average mutual fund might hold hundreds of different securities. So when you invest in a mutual fund, you hold shares in a greater variety of assets than you could by only investing in one or two stocks on your own. Because you are not investing in a mutual fund alone, you can create a more diversified portfolio for yourself at a relatively lower cost. Mutual funds can be a cost-effective way to potentially increase your expected returns (given the mix of assets) while minimizing your risk (since you are not putting all of your eggs in one basket). Keep in mind that diversifying your portfolio does not ensure a profit or protect yourself against a loss.

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Let Mutual Funds Work for You

Investing in mutual funds can help you toward achieving your long-term financial goals. Do you need access to your money relatively soon, like for a major home improvement project or special vacation, or are you investing for a long-term goal like college funding or retirement? Your financial objective and investment timeline will help you determine the best kind of mutual fund to select.

As an individual investor, you're looking for clear, straightforward answers to your financial questions, and we're here to help with that. An experienced Western & Southern financial professional can explain the differences among various mutual fund investments and help you select those that are most appropriate for your needs.

Investing involves risk. Investment return and principal value of an investment will fluctuate so that your shares, when redeemed may be worth more of less than their original cost.

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Why Mutual Funds From Western & Southern?

As you explore investing in mutual funds, you may want to partner with a company that puts their customers first. Western & Southern knows how to listen to you and can help you invest for the future. Our representatives have the knowledge to provide you with straightforward answers and can help you find investments to meet your goals.


Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges and expenses of a fund carefully before investing. The prospectus and the summary prospectus contain this and other information about a fund. To obtain a prospectus or a summary prospectus, contact your financial advisor. Please read the prospectus and/or summary prospectus carefully before investing.


W&S Brokerage Services, Inc. is a member of Western & Southern Financial Group.

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