By Dan Benson
Monetary consultant Dan Benson exposes the twelve largest errors humans make with their funds and obviously demonstrates how readers can circulation from monetary lack of confidence to monetary freedom. confirmed, useful aid for negotiating the monetary minefields of existence.
1. Misuse of credit
2. Letting greed take control
three. taking into consideration this day and never tomorrow
four. Motor toys - the most important funds drain
five. Failure to address the "set aside"
6. now not understanding what to do with the $
7. no longer taking care of the "temple"
eight. both an excessive amount of or too little insurance
nine. Following fads vs. staying the course
10. Lackadaisical giving
eleven. Letting Junior devour away your nest egg
12. no longer making the most of tax breaks
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Extra info for 12 Stupid Mistakes People Make with Their Money
0% TSE 300 Total Return Any loads paid would make these numbers lower! The Canadian Growth fund, with $961 million in assets, is far bigger than the $45 million Sector fund, even though Sector is much older. Canadian Growth substantially lagged the TSE 300 CHAPTER 3 ◆ How the Funds Have Really Done 39 index in 1997, 1996, and 1995, and was slightly ahead of the TSE 300 in 1994. Sector Shares lagged the TSE 300 index in seven of its 10 full years of operating. 43% respectively in 1997. 0% Dynamic Canadian Growth No loads are factored into these numbers!
It appears that amid all the chaos in the financial markets, there are some money managers who can regularly outpace the pack. Unfortunately, however, consistently above-average mutual fund managers are a rare breed, and there’s no guarantee that their hot streaks will continue. We’ve already looked at some once-hot funds that have stumbled badly in recent years. Sometimes hot performance numbers cause a surge of new money into a fund, which can throw a fund manager’s winning strategy off course or cause the fund’s cash level to rise.
CHAPTER 3 ◆ How the Funds Have Really Done 35 INVESTORS GROUP Let’s turn to Investors Group, another woolly mammoth in the Canadian equity mutual fund scene. 5 billion of Canadians’ money at the end of 1997. Investors Group Canadian Equity Funds - Returns to Dec. 0% Canadian Equity All loads charged by the Equity, Growth, and Mutual funds aren’t reflected in these numbers! None of the first three Investors Group funds was able to top the TSE 300 in a single category over the past 10 years. The Summa fund, however, outpaced the TSE 300 in all but its five-year category.
12 Stupid Mistakes People Make with Their Money by Dan Benson