Mutual Fund-Keys to remember

1: mutual funds are not guaranteed or insured by the FDIC or any other Govt: agency.-even if you buy through a bank and fund carries the banks name. You can lose money invest in mutual fund

2: Fast performance is not a reliable indicator of future performance so don’t be dazzled by last years high returns. But fast performance can help you assess a fund volatility overtime.

3: All mutual have costs that lower your investment returns. Shop around, and use the SEC’s Mutual Fund Cost Calculator at www.sec.gov/investor/tools.shtml to compare many of the costs of owning different funds before you buy.