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As a potential investor, you are faced with many choices when determining
how to invest your money in order to reach long- and short-term financial objectives.
There are thousands of different investment products competing for your attention, and
to new investors, choosing the most appropriate investment vehicles can often be confusing
and intimidating.
Mutual funds can be a great way to lessen some of this confusion by offering you convenient
and affordable access to a variety of investments like stocks, bonds and money market securities.
In addition, mutual funds can offer investors a number of benefits, including:
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Professional Management
Mutual funds are guided by portfolio managers who buy and sell securities for
the portfolio on behalf of the shareholders. These professionals devote themselves full-time
to monitoring market and economic trends. They have the skills and resources to carefully
analyze economic and financial data and to identify the best investments. And they ensure
that the fund's portfolio is diversified by buying a wide range of securities, to reduce the
impact of the ups and downs of individual securities.
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Diversification for Reduced Risk
Your investment is spread across literally dozens of securities, so your financial
future doesn't depend on the success of any one stock or bond issue. To do the same, you would need
to have many thousands, or even millions, of dollars to invest -- not to mention a great deal of
time to monitor these investments.
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Choices
Through mutual funds you have a variety of investment options to meet your needs.
Whether you're seeking short-term income, hoping to gain tax advantages or looking to achieve
long-term growth, mutual funds provide you with choices that can match your investment needs
today and for the future.
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Liquidity
If needed, mutual funds offer quick and easy access to your money. You can buy,
sell or redeem shares on any business day at their then-current value (which may be more or less
than their original cost).
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Convenience
Mutual funds offer a convenient way to begin investing in the market. Many fund
companies, including the Bishop Street Funds, make it easy for you to move money from your bank
account into a fund or funds. You can set up a program to automatically transfer a set amount of
money from your bank account into a fund, or funds, on a regular basis.
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With the right investment mix, such as one or more of the Bishop Street Funds, you can
prepare for the future with the knowledge that your money is working hard to provide an investment
return that is balanced by the amount of risk you're comfortable with. To learn more about mutual
funds, go to our Resource Library.
Before you invest, you should understand the level of risk vs. reward that best suits your investment goals and time horizon.
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