A “Heads-Up” for 2014

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6a017c332c5ecb970b01a5116fb332970c-320wiWatch for mutual fund companies to begin touting their 5-year track-records in a race for new assets. That’s because the ‘market meltdown’ happened six years ago, so those numbers won’t show up in the five-year calculations. I don’t expect too many commercials touting ten-year returns since those would include the melt-down years.

Also worth thinking about: The market experience pretty decent gains during 2013… somewhere around 30%. Few expect that trend to continue and many, if not most analysts, expect more modest returns for 2014… in the neighborhood of mid-to-low single-digit returns. If that’s true, mutual fund investors may want to be careful. If the returns are as low as expected, many mutual fund managers may decide to lock-in their gains, and that may create a double-hit for mutual fund investors: Low returns combined with a high tax bill.

Jim

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Here’s a free report:  Understanding The Mutual Fund Landscape.

You also might like:  The Hidden Risk No One Talks About.

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Jim Lorenzen, CFP®, AIF®

Jim Lorenzen is a CERTIFIED FINANCIAL PLANNER® professional and An Accredited Investment Fiduciary® in his 21st year of private practice as Founding Principal of The Independent Financial Group, a fee-based registered investment advisor with clients located in New York, Florida, and California. He is also licensed for insurance as an independent agent under California license 0C00742.  IFG helps specializes in crafting wealth design strategies around life goals by using a proven planning process coupled with a cost-conscious objective and non-conflicted risk management philosophy.

Opinions expressed are those of the author.  The Independent Financial Group does not provide legal or tax advice and nothing contained herein should be construed as securities or investment advice, nor an opinion regarding the appropriateness of any investment to the individual reader. The general information provided should not be acted upon without obtaining specific legal, tax, and investment advice from an appropriate licensed professional.

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Jim Lorenzen is a CERTIFIED FINANCIAL PLANNER® professional and An Accredited Investment Fiduciary® in his 21st year of private practice as Founding Principal of The Independent Financial Group, a fee-based registered investment advisor with clients located in New York, Florida, and California. He is also licensed for insurance as an independent agent under California license 0C00742.

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