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A mutual fund is an investment portfolio run by an individual or team of professional money managers who invest the pooled money into stocks, bonds and other securities. When you purchase a mutual fund, you are really buying into the entire portfolio and therefore, immediately diversify your assets among numerous individual stock, bond and/or other security positions, depending on the type of mutual fund. By doing so, you help minimize the risk as well as the volitity as compared to investing in one or two individual securities.
There are many different types of mutual funds available today. Each fund invests in specific types of investments including Domestic Equities, International Equities, Fixed Income Securities or money markets. In addition, these categories can be divided further into Small/Mid Cap Equities vs Large Cap Equities, Value Equities vs Growth Equities, or Investment Grade Bonds vs High Yield bonds. As you can see, identifying which mutual fund or combination of funds is right for your specific situation is not easy. Also, certain mutual fund companies excel in certain areas but fall short in others. Therefore, identifying which mutual fund company to use for what category is equally as difficult.
Each Lincoln Financial Advisor's Representative has the necessary tools and experience to assist you select the appropriate funds. Through our affiliation with Delaware Investments, Lincoln Financial Advisors has access to some of the finest investment management professionals in the industry. In addition, we offer mutual funds from over 350 industry leading fund companies. By doing so, we feel confident that our clients have access to and are given the ability to select the right mutual funds.
Mutual funds are offered by prospectus. Contact you Lincoln Financial Advisors representative (or at the number below) to obtaina prospectus for any of the mutual funds we offer. The prospectus contains complete information on risks, fees and expenses, and should be read carefully before investing.
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