Mutual Fund Wealth Strategy

Finally an Investment Strategy that Makes Sense


Mutual Fund Wealth



In this article, I would like to address all the people with Mutual Funds in their financial portfolios that lost significant amounts of monies during the 2008/2009 and other more recent economic downturns. Most investors entering into the world of Mutual Fund Investment seek out a reputable Certified Financial Planner or Investment Funds Advisor for advice regarding individual risk tolerances / investment strategies to conduct all appropriate investment transactions.  I expect they get assured their portfolio holdings will be monitored by this their newest best friend, and any changes in investment strategies would be discussed as required, regarding returns – performance and client expectations.


Well as it turns out these people were sadly mistaken. During any Financial Crisis, apparently the only advice clients received from their Advisors was, don’t be too alarmed, historically these things do happen. In other words, leave your money where it is, and things will eventually return to normal. Other than ensuring that you the investor will receive monthly or semi-annual statements, Financial Advisors don’t appear to have any other obvious duties or responsibilities to their clients. It appears that’s what they call actively managing your portfolio. Personally, I have a huge problem with this whole scenario.


It is my contention that your Advisor could and certainly should be able to identify a significant global economic downturn in the marketplace as it happens, and give appropriate advice accordingly, to clients that are involved through his/her office. Advice could simply imply their interpretation of the news they receive every day and inform you of alternate investment vehicles available through turbulent financial times as and when they occur. Unfortunately most – if not all, Advisors choose not to do this, and simply advise you the client not to panic, and above all “do not sell” your holdings.


Well this “do not sell” advice was not the answer in June-September of 2008 and other times of  economic crisis when markets and fund performance plummeted. During these periods, selling and moving money, to funds designed to do well in a bear market, like so-called short-bias funds, that bet stocks will fall, would have been advantageous. Buying bonds, money market funds or simply moving money to cash until more normal global economic times return, would probably have been a more acceptable and realistic approach to shield investors from the marketplace carnage.


Everyone I have talked to (and there have been many) say, that even when this turmoil ends and things do eventually return to normal, it will take many-many years to recoup the losses they have incurred. Conservative investors have suffered losses of 20 – 25 percent, while others holding more aggressive equities in their portfolios have seen family savings really get hammered, to the tune of 40 – 50 percent and more.


Fearing the worst, these same investors are afraid to open the investment statements they receive each month.They know a huge portion of their savings have vanished, and don’t really have any idea as to what happened to the money or what to do about it.Their options seem limited because knowledge of funds and investment strategies in general, had never been a priority in their lives.They assumed that by having an Investment Advisor, these things would be looked after and subsequently their savings and investments would be protected and taken care of. Well they were obviously mistaken, as Investment Counsellors did nothing but try and reassure their clients that things would eventually turn around and sometime in the future their portfolio value would return.


An event like this can shake one’s faith in mutual fund investments and the marketplace in general. Going forward, rebuilding the trust of these investors is undoubtedly going to take quite some time.




Well, I believe enough is enough. It’s time to get more involved in how your money is invested. You the primary person in these transactions, (after all it’s your money) can and should take control and instruct your Financial Investor as to where and how you want your money invested.


On the web page, I will publish periodic articles with specific reference to Mutual Funds and other investments that you may consider adding to your portfolio to realize moderate or significant returns. My current personal holdings will be posted on MutualFundWealth, and possible future movement of funds will be identified. This is what I call actively managing ones portfolio.


I personally monitor all financial sectors of the International and Global Marketplace on a daily basis, seeking out areas that show promise for near and longer term investment. This has proven to be a profitable scenario for me. When the marketplace was booming I, like everyone else invested in Mutual Funds, did very well. But, when we begin experiencing a North American or Global Financial Crisis situation, I take appropriate action early, and ask my Financial Advisor to move my money from equity positions into Money Market Funds or Cash. So while most everyone else’s portfolio value is going down the toilet, I’m sitting on the sidelines still making money. When four of my personally configured charts indicate that markets are at or near the bottom, I ask my Financial Advisor to return cash / money market positions back into an Equity Fund(s) of my choice.  New mutual fund selections won’t necessarily be the same ones held previously.


An actively managed portfolio is of utmost importance if you hope to protect your wealth when International and Global markets become volatile. Honestly, knowing which business sectors and Mutual Funds are poised for growth and making investment decisions accordingly, can be rewarding, exciting and almost certainly pay dividends in good times and bad.


Investment Advisors don’t seem to mind when you choose to make the financial decisions for them, as to where and when you would like to have your money invested. In fact, I believe they may even prefer that you get involved in financial decisions regarding investments in your portfolio. You see, they have hundreds or perhaps, thousands of clients just like you, and therefore can’t possibly deal with each account on a personal level. That’s too bad really, I believe each investor should receive the same attention – dollar amounts invested should not be the deciding factor.


Please feel free to peruse all investment information and articles on  Updates are posted regularly or when my positions change.   Pretty simple strategy if you choose to follow this web page.  I won’t say good luck…..because luck has nothing to do with it.


My investment portfolio increases in value every year, and so should yours.


…..Doug T/ Mutual Fund Wealth .com

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