The Best Investment Management For You in 2022 & Beyond

The best investment management can be pricey, but you can get the best investment management in 2022 and beyond that is affordable for less cost than you think. The truth is that in the investment world you don’t always get what you pay for. Here’s how to get the best investment management at the best price.

There are at least 3 myths in the world of investment management. One, that rich folks get the best management and always make money. Two, that investors get what they pay for. Three, that average people can’t afford professional money management. The truth of the matter is that very few investment advisers or managers consistently outperform the market averages; and fewer yet do so and make profits for their clients every year.

For example, rich folks (qualified investors) often pay 2% a year plus 20% of profits to invest money in a HEDGE FUND. Sometimes they get great investment returns, and often they don’t. Sometimes the rich get scam by money management organizations that somehow fly under the radar of government regulation as well.

The best investment management at the best price for average investors can be found in MUTUAL FUNDS (not to be confused with hedge funds)… but not all funds or fund companies qualify as your best bet. They are all highly regulated by the government and provide money management services to the public. They all try to be competitive and make good returns for their investors, because it’s in their own best interest. Good performance attracts more investor money; and the more money a fund company manages the more management fees they collect.

But no fund company outperforms the competition significantly on a consistent basis year after year. It’s almost impossible to do. So, what’s the real difference and how do you find your best bet? You look at what it costs you to invest in a mutual fund. The cost of investing directly reduces your investment returns or profits. For example, let’s look at the most popular funds, stock funds.

The stock market has historically returned on average about 10% a year over the past 80 years or so. The average stock fund DOES NOT beat the stock market… especially after charges and expenses are included. If you pay 5% in sales charges off the top when you invest (like many people do), that’s money right out of your pocket that never gets invested. If you sign a “service” agreement with an investment professional it could cost you 2% a year, plus fund expenses can tack on another 2% a year if you invest in the wrong one.

The good news is that you do not need to sign and pay for a separate service agreement; or pay any sales charges at all to invest in mutual funds. You only need to pay for yearly fund expenses. The best investment management in 2010 and beyond: no-load mutual funds. Your total cost of investing can be less than ½% a year. This pays for professional money management and fund expenses; and is automatically deduct each year from your investment.

I suggest you start the new decade out right and search “no load funds” on the internet. Likely, the following three names will appear near the top of your search results: Fidelity, Vanguard, and T Rowe Price. All three of these fund companies have risen to the top over the years by working directly with investors providing good, low-cost service.

Don’t throw your investment dollars away. Extra charges and expenses simply eat away at your potential investment profits. You don’t always get what you pay for. Sometimes you get more; if you know where to find the best investment management at the best price. Now, in my opinion, you do.

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