On Forbes: Successful Investing Goes Beyond Index Funds

by noloadfundx on January 27, 2015

forbesimageMany expected that actively managed funds would lead in 2014, but as FundX President Janet Brown wrote in her latest Forbes piece, that was yet another prediction that didn’t come true.

“As it turned out, very few actively managed funds were able to beat the S&P 500 in 2014,” Janet wrote. “And some investors now wonder if they’d be better off just buying a few index funds.”

Click here to read Janet’s Forbes post, Successful Investing Goes Beyond Index Funds.

There’s a lot to like about index funds, Janet explained. But with hundreds of different index funds on the market, it can be challenging for investors to determine which index funds to own.

“If you happened to buy into an S&P 500 index fund and a NASDAQ 100 index fund, you would have done very well in 2014,” Janet pointed out. “But if you happened to buy a small-cap index fund or an emerging markets index fund—both of which have outperformed the S&P 500 for the last 10 years—you would have had a tough year in 2014.”

Read Janet’s Forbes piece to find out which index funds and actively managed funds have been bringing in good returns in 2015.


What Cash Can & Can’t Do

by noloadfundx on January 20, 2015

dollarThe right allocation to stocks, bonds and cash can help us ride through difficult market environments and allow us to fund both our long-term investment goals and our near-term expenses.

A combination of stocks and bonds can help investors generate growth and manage volatility. Stocks and bonds work in different ways: stocks have the best long-term returns, but over the short term, they can be very volatile and can have steep declines. Bonds help buffer the volatility of stocks and can help us stay invested over the long term.

Cash is another important component of overall asset allocation, but it should not be considered a fixed income equivalent. Cash is how we cover our day-to-day expenses and it’s where we keep our emergency funds. We wouldn’t want to put our emergency money in stocks or bonds, because these investments can lose money, particularly over the short term.

Your asset allocation should be based on your future and current needs, and it should change as your needs change. But too often, investors change their allocations out of fear. We saw this after the 2008-2009 declines as investors fled stocks for the perceived safety of bonds. And we’ve seen this again in the last few years, as some investors replaced their fixed income allocation with cash, assuming that rising interest rates would hurt bonds. Continue reading “What Cash Can & Can’t Do” »


Janet Brown’s January 2015 Market Update (video)

January 15, 2015

“Market predictions feed into our hope that surely someone out there knows what’s going to happen in the market,” FundX President Janet Brown explained in her latest video. “But what if there is no crystal ball only great stories? Then how do we invest?” Click below to watch. Having difficulty viewing this video? Find it on […]

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FundX’s Janet Brown on the MoneyLife Show

January 13, 2015

“Most people have a hard time staying invested. When you have a system that tells you which funds to buy and which ones to sell, it can be easier to push the emotions aside,” FundX President Janet Brown said in her recent interview with Chuck Jaffe on the MoneyLife Show, an online financial radio show. […]

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Should You Get Invested Right Away or Over Time?

January 8, 2015

What’s the best way to invest in stocks? Should you get invested all at once or invest gradually by dollar-cost averaging? Getting back into the market all at once is typically the most profitable since the market goes up more often than it goes down, but it can be psychologically difficult to do. This approach […]

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A Sixth Straight Year of Gains

January 6, 2015

U.S. stocks chalked up another winning year in 2014 and ended a sixth straight year of gains. It was not all smooth sailing though. Small caps, energy and natural resources sectors and most foreign markets suffered sharp drops, and most lost ground for the year. Despite a backdrop of stronger domestic growth and the end of quantitative easing, 2014 included […]

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Best of the NoLoad FundX Blog 2014

December 22, 2014

There’s only so much we can fit into each monthly issue of NoLoad FundX, so we share more news, videos and how-to articles on the NoLoad FundX blog. (Sign up on the left to get an email every time we have a new post). Here are what our editors consider our 12 best blog posts […]

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2014’s Leading & Lagging Stock Funds

December 19, 2014

With U.S. markets hitting new highs in 2014, it’s easy to think that most funds had a good year, too. But U.S. small-caps were down for the year through December 15, 2014, and foreign markets, both developed and emerging, had losses, too. Index funds were popular in 2014 – as they often are when market […]

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Should You Buy Funds in December?

December 11, 2014

Should you avoid investing in funds in December? That was USA Today’s suggestion: “If you’re a mutual fund investor, and thinking of buying a fund in a taxable account between now and Dec. 31, here’s a tip: Don’t,” wrote columnist John Waggoner. Why? USA Today points to year-end distributions. It’s true that some funds are […]

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On Forbes: 4 Things Investors Should Do in December

December 9, 2014

December is a busy time for most people, and investors are no exception, FundX President Janet Brown explained in her latest Forbes piece, 4 Things Investors Should Do in December. “This month, my team and I are busy helping clients manage taxable year-end distributions. We’re helping retirees take their required minimum IRA distributions, and reminding […]

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