Turner Emerging Growth Investor (MUTF: TMCGX) Review

Turner Emerging Growth Investor (MUTF: TMCGX) Review ; The Turner Emerging Growth Investor investment seeks capital appreciation. This Turner Investment Partners fund invests mainly in equity securities of U.S. companies with small and very small market capitalizations and also in securities of companies that are diversified across economic sectors. Its exposure is generally <5% of assets in any single stock, subject to exceptions for the most heavily weighted securities in the 2000 Growth Index. This small growth domestic stock fund is one of the fund in the top list of Forbes' best mutual funds. Frank L Sustersic has managed this fund since its inception in February 1998. This fund has expense ratio of 1.40% per yeary. This expense fee is a bit lower compared to the average in the Small Growth category (1.52%). The total net asset of this fund is $595.72 million. This TMCGX fund is under the management of Turner Investment Partners. Currently it is on 24th rank in the small growth category. The CUSIP of this fund is 872524301.



This Turner fund has been rated 4-star rating by Morningstar. Since 1998, it has performed 10 years of positive return and 2 years of negative return. The best achievement was in 1999 with 144.39%. This best fund has returned 33.55% over the past one year and 8.93% over the past decade. This TMCGX fund has 7.26% YTD return.



To start investing in this TMCGX fund, you will need a minimum of $2,500 for brokerage account and $2,000 for retirement (IRA) account. This is a no load fund, there is no 12b1 fee and no sales load fee. The minimum subsequent investment for both accounts is $50. This fund can be purchased from 82 brokerages, such as JP Morgan, T Rowe Price, Td Ameritrade Inc, E Trade Financial, etc. The other class of this Investor class is Institutional Class (TMCOX) that has 1.17% annual expense ratio.



As of June 2011, the top ten holdings of this fund are Blackrock Liq Fd Tempcash (5.62 %), Amerigroup Corporation (3.19 %), Ariba Inc. (2.59 %), Deckers Outdoor Corp (2.50 %), Triumph Group Inc. (2.35 %), Huntsman Corp. (1.75 %), Middleby Corp (1.75 %), Catalyst Health Solutions (1.74 %), Genesee & Wyoming Inc (1.71 %) and Clean Harbors, Inc. (1.60 %).



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New ICICI Prudential Multiple Yield Fund - Plan D scheme price

New ICICI Prudential Multiple Yield Fund - Plan D scheme price ; ICICI Prudential Mutual Fund has launched ICICI Prudential Multiple Yield Fund - Plan D, a close ended income fund. The primary objective of the Plan under the Scheme is to seek to generate returns by investing in a portfolio of fixed income securities/ debt instruments. The secondary objective of the Scheme is to generate long term capital appreciation by investing a portion of the Scheme's assets in equity and equity related instruments.



The New Fund Offer (NFO) open for subscription from August 22, and close on September 2, 2011. The New Fund Offer (NFO) price for the scheme is Rs 10 per unit. The tenure of the plan is 1100 days.



he scheme offers Cumulative and Dividend option. Dividend Payout is the only facility available under the Dividend Option. Dividend option will have half yearly dividend frequency. Cumulative Option shall be the default option under the Plan of the Scheme.



The minimum investment amount is Rs 5000 and in multiples of Rs 10 thereafter.



Entry / exit load - Nil. The scheme is proposed to be listed on NSE.



The scheme will allocate upto 70%-100% of assets in money market instruments, short term and medium term debt securities/ debt instruments and securitised and upto 30% of the asset in equity or equity related securities.



If a Plan decides to invest in securitised debt (Single loan and / or Pool loan Securitized debt), it could be upto 50% of the corpus of the Plan. If a plan decides to invest in equity derivatives it could be upto 100% of the allocation to equity. The margin money requirement for the purpose of derivative exposure may be held in the form of term deposits. The Scheme shall not take leverage positions and total investments, including investments in equity and other securities and gross exposure to derivatives, if any, shall not exceed net assets under management of the scheme. If a plan decides to invest in foreign securities it could be upto 100% of the allocation to equity. The cumulative gross exposure through equity, debt and derivative positions shall not exceed 100% of the net assets of the sc heme.



The benchmark index for the scheme will be Crisil MIP Blended Index.The scheme will be managed by Mr. Chaitanya Pande (Debt Investment) and Mr. Mrinal Singh (Equity Investments).

Mortgage Rates August 4 2011

Mortgage Rates August 4 2011 ; Renewed economic worries had mortgage rates falling sharply, with the benchmark conforming 30-year fixed mortgage rate now 4.54 percent, according to Bankrate.com's weekly national survey. The average 30-year fixed mortgage has an average of 0.39 discount and origination points.

The average 15-year fixed mortgage dropped to a new low of 3.68 percent while the larger jumbo 30-year fixed rate retreated to 5.06 percent. Adjustable rate mortgages moved lower also, with the average 5-year ARM sliding to 3.23 percent and the 7-year ARM falling to 3.52 percent.

The last time mortgage rates were above 6 percent was Nov. 2008. At the time, the average 30-year fixed rate was 6.33 percent, meaning a $200,000 loan would have carried a monthly payment of $1,241.86. With the average rate now 4.54 percent, the monthly payment for the same size loan would be $1,018.13, a difference of $223 per month for anyone refinancing now.

SURVEY RESULTS
30-year fixed: 4.54% -- down from 4.74% last week (avg. points: 0.39)
15-year fixed: 3.68% -- down from 3.83% last week (avg. points: 0.31)
5/1 ARM: 3.23% -- down from 3.34% last week (avg. points: 0.38)

Bankrate's national weekly mortgage survey is conducted each Wednesday from data provided by the top 10 banks and thrifts in the top 10 markets

Loan Type - Interest Rate - APR - 8/4/11

30-Year Fixed 4.375% 4.559%
30-Year Fixed FHA 4.250% 5.251%
15-Year Fixed 3.375% 3.691%
5-Year ARM 2.750% 3.083%
5-Year ARM FHA 3.250% 3.311%

Jumbo Loan Rates - APR - 8/4/11

30-Year Fixed 4.625% 4.760%
5-Year ARM 3.250% 3.211%

How to choose the Best Mutual Funds to invest

How to choose the Best Mutual Funds to invest : You should be able to evaluate a mutual fund before you choose the right one for you. It is important to know the objective of the fund, the fund manager and his/her own records and portfolio composition. Almost anyone can buy mutual funds and are easy to understand. Here are a few basic things you need to do to select the best mutual fund for you.

Knowing your basics:
It is extremely important for you to know what a mutual fund is and how it works, what its pros and cons are before finding the right mutual fund for yourself. Equity Mutual funds, Debt Mutual Funds, balanced Mutual Funds and Liquid/ Money Market funds are a few available options to invest in. Also there are time based funds, asset based funds, and investment based funds. Learn the different types and classification of funds before you in

Investment Objective:
Draw down your investment objective. Various schemes for different needs are available in the market. Like retirement plans, capital growth, dividend based etc. Identify your goal, determine your risk tolerance and have a plan before you invest in a mutual fund.

Compare and Contrast:
Compare each funds past performance as it is one of the most commonly used criteria. However, it is one of the most overrated indicators as past performances are not an indicator of future results. Compare each fund's historical returns to an appropriate benchmark, such as the fund's relative category average or an index. For example, performance for most stock mutual funds is compared to the S&P 500 Index.

Expenses and Costs:
Fees and expenses are a direct haul on investment returns. Over long periods of time, funds with low fees and expenses perform better than those with higher relative expenses. Though Mutual funds are perhaps the cheapest option available to retail investors, it is good to check exit load applicable. Know exactly how much the fund charges in terms of exit loads and management fees. Only consider mutual funds with an Expense Ratio below 1 percent. Also, avoid sales charges (loads) by using only no-load funds.

Growth or Dividend:
With growth scheme, all profits made by the fund are plunged back into the same scheme. One does not get income during the investment period but only at the time of maturity causing the NAV to rise over time. In the dividend option, profits are not re-invested; instead, it is given to the investor from time to time. The investor has options of either cashing on the dividends or go for dividend re-investment. Generally, funds whose NAV is above 10 are in a position to consider a dividend. Remember, though, declaring a dividend is solely at the fund's discretion; the periodicity is not certain nor is the amount fixed.

Choose the Right Mutual Fund Advisor:
A Fund advisor helps you choose the right fund for you. Selecting the right fund advisor is as important as choosing the right fund scheme. Investment Viewpoints, Client Service, and his/her Financial Planning Value are key factors that you choose your fund advisor on. Also see the past performances of the various funds that he handles.

These points could serve as guiding principles for deciding which mutual fund is the right one for you. And make sure you analyze the pros and cons before investing and do take into account the tax impacts and income requirements.

Top European Income ETFs

Top European Income ETFs : One ETF that continues to dominate the international camp, PowerShares International Dividend Achievers (PID), stays while Europe 2001 HOLDRS (EKH) flipped for Spain. The iShares MSCI EAFE Value (EFV) remains.

What is remarkable to me about these funds is their ability to push past other growth regions in a bid for bargains in Europe’s basement. Gold continues to hold its own, despite my fundamental interest in other sector picks.

One ETF that continues to dominate the international camp, PowerShares International Dividend Achievers (PID), stays while Europe 2001 HOLDRS (EKH) flipped for Spain. The iShares MSCI EAFE Value (EFV) remains.

What is remarkable to me about these funds is their ability to push past other growth regions in a bid for bargains in Europe’s basement. Gold continues to hold its own, despite my fundamental interest in other sector picks.

iShares COMEX Gold (IAU)
This ETF benchmarks to the actual price of gold. The trust’s objective is for the share price to represent the price of gold held by the trust at a certain time, minus the trust’s expenses.

It began trading in January 2005 and has a market value of over $7 billion. While Global Quant continues to like it, I continue to find little fundamental evidence to support it.

iShares MSCI EAFE Value (EFV)
The MSCI EAFE Value Index underlies this ETF that began trading in August 2005. Its market value of over $1.4 billion makes it liquid, but watch worthy.

The top three sectors are financials (34.8%), energy (12%), and health care (10%). The top five countries are Japan (19.7%), UK (18.7%), France (12%), Germany (9.3%), and Australia (8.5%).

iShares MSCI Spain (EWP)
In my opinion, if Spain goes, the Eurozone goes. It’s too big to fail, and too big to bail out.

EWP seeks investment results that correspond to the price and yield performance of the MSCI Spain Index. It began trading in March 1996 and has a market value of over $220 million.

The top three sectors are financials (42.5%), telecommunications services (18.3%), and utilities (14.7%).

UK pension schemes shy away from private equity

UK pension schemes shy away from private equity : It has been revealed that UK pension schemes are shying away from private equity due to the fact they need firm income and more reliable investment returns for the future. As a consequence, a report by the National Association of Pension Funds has confirmed that the allocation of funds to private equity fell from 2.5% to just 1% as of the end of June 2009. While this does not seem like a massive adjustment in the allocation of funds to private equity investment, it will have an impact in the longer term.

As we have seen, the pension fund deficits of so many well-known companies in the UK have grown substantially over the last decade and pension trustees feel that they now need to maintain a high level of fixed interest assets, predominantly UK gilts which are backed by the UK government. While this will allow pension fund trustees to accurately predict their income into the future, and a return on their investments when the gilts are redeemed, it will reduce actual "investment returns".

It is worth remembering that pension funds are not only reducing their potential investment returns on an annual basis, but there is also the impact of an investment return on an original investment return, i.e. the reinvestment of profits.

Charles Schwab plans to introducing all-index-fund 401(k) 2012

Charles Schwab plans to introducing all-index-fund 401(k) ; Charles Schwab Corp. is launching a new lower-cost 401(k) that doesn't have any of the traditional mutual funds you may be used to — those you've selected in the past because of their star mutual fund managers.

Instead it's introducing 401(k) plans with only index funds next year. Index funds are mutual funds assembled to match the performance of a market index.

A second phase of the low-cost offering is a 401(k) with only exchange-traded funds, which will be rolled out later next year. ETFs also track an index like the S&P 500, but they're traded like a stock. Their price changes throughout the day as shares are bought and sold.

Index funds and ETFs are lower-cost options because they do not rely on the expertise of highly-paid fund managers to actively pick stocks. Technology has also made it possible to lower expenses.

These 401(k) accounts will not only simplify the investment options for workers, but will lower the cost by about 60 percent, said James McCool, who heads Schwab's institutional services.

THE DETAILS

Schwab currently offers 401(k) accounts but ranks far behind leaders like Fidelity Investments and Vanguard Group in term of retirement assets it manages. Schwab hopes to take its reputation as a low-cost retail investing business into the 401(k) arena by lowering costs and simplifying investment choices.

McCool says the average managed mutual fund charges from 0.86 percent to 0.95 percent of account assets while the average ETF charges 0.20 percent, McCool said.

"If you follow the money, about 85 percent of the $3 trillion 401(k) industry was built on the back of more expensive and more profitable active fund management," he said. "We're not saying active fund management is bad, that's just a fact."

Fees are an important factor for investors to weigh because they can significantly cut into account returns over time.

Just a 1 percentage point difference in annual fees could cut a worker's account balance by 17 percent over a 20-year period, according to the Government Accountability Office.

McCool said making advice easier to access also is critical to an account's performance, so Schwab's new plans will include professional advice for all participants.

Industry studies have shown just 10 percent of 401(k) investors seek help to invest their money. However, participants who get advice save at twice the rate of those who don't and they have higher account balances, McCool said.

The details of how the workers will get the advice are still being worked out, but he said the idea is for it to be individualized to each participant.(source ; http://www.oregonlive.com )

Essential Metrics Mutual Fund Investors should be considered

Essential Metrics Mutual Fund Investors should be considered : It is important to recognize that absolute performance represents only one side of the risk-reward equation. Investors also need the contextual framework to meaningfully understand the risks associated with achieving these touted returns. In addition to absolute return, there are many meaningful risk metrics that should be considered when evaluating who you should trust with your money. We are going to focus on three: R-Squared, Beta, and Alpha.

The following Exhibit compares R-Squared, Beta, and Alpha for two hypothetical large-cap equity funds, and will be used to demonstrate how investors can more meaningfully compare the performance of mutual funds.

1. Identify a Proper Benchmark for the Fund by Utilizing R-Squared

Before a fund comparison can be made, it is necessary to identify each fund’s relevant benchmark. The first step is to calculate and observe it’s R-Squared. The R-Squared, measured from 0 to 100, determines the percentage of the fund’s movement that is explained by an index/benchmark. It has been referred to as “the goodness of fit.” The higher the R-Squared (closer to 100), the more relevant the fund is to its benchmark. An R-Squared of 0 indicates no correlation between the fund and the benchmark; an R-Squared of 100 indicates a full correlation to its benchmark. The R-Square determines whether the benchmark used for performance evaluation represents a true apples-to-apples comparison. In our Exhibit, Fund A and B have an R-Squared of 95 and 85, respectively. While Fund A has a higher correlation with the S&P 500, Fund B’s R-Squared is also quite high. As a rule of thumb, an R-Squared above 75 typically indicates that the comparison of a given fund to a given benchmark is meaningful. In this case, we can conclude that the S&P 500 is an appropriate index for the comparison of these two funds.

2. Compare the Fund’s Volatility Relative to the Benchmark Using Beta

After the R-Squared has us comfortable that we are using the proper benchmark for more in-depth comparative analyses, we compare the volatility of the fund relative to its benchmark using the statistic known as Beta. While the R-Squared measures how much of the fund’s movement is explained by the benchmark, Beta also takes into account the magnitude of the fund’s movement relative to the benchmark. A measurement of 1 translates into the fund being exactly as volatile as its benchmark. A beta of less than 1 implies that the fund is that much less volatile than its benchmark, and vice versa. For example, if a fund has a beta of 1.1 in relation to the S&P 500, then the fund historically has been 10% more volatile than the index. Therefore, if the S&P 500 has gained 10%, everything else being equal, the fund would be expected to have gained 11% (10%*1.1). Of course, the reverse is true if the index declines. In the above exhibit, Fund A has a beta of 1.2 while Fund B has a beta of 0.90. Based upon this data, Fund A would be expected to be 20% more volatile than the benchmark, while Fund B would be 10% less volatile.

3. Determine Fund’s Risk-Adjusted Excess Performance or Alpha

Now that the investor has determined the fund’s relative risk (Beta) when compared to its appropriate index (validated by a strong R-Squared), the next step is to determine the fund’s Alpha. In its simplest terms, Alpha is the fund’s “excess return” over the performance of its benchmark after adjusting for its risk (Beta). The higher the alpha, the greater the “value added” that management has provided over and above the risk-adjusted performance of their appropriate benchmark. The alpha is determined by taking the performance of the fund, and subtracting from it, the index’s performance multiplied by the fund’s beta.

Alpha = Fund Performance – (Beta x Index Performance)

In simpler terms, we are asking, “has management been providing superior risk-adjusted returns?” For example, if a fund delivered performance of 11% while the benchmark only delivered 10%, on the surface, one might be tempted to conclude that the fund performed admirably. However, if the fund’s beta was 1.2, the fund would have been expected to actually deliver a 12% return given its assumed additional risk over its benchmark. In this example, the funds Alpha is negative.

11% – (1.2 x 10) = -1%

As it relates to the mutual fund comparison outlined above, in absolute terms, we know that Fund A has outperformed the index by 2% (6%-4%) while Fund B outperformed the index by a more modest 1% (5%-4%). Does that make Fund A the better performer? Not necessarily. Fund A has a much higher Beta of 1.20, and is taking on more risk relative to the market, while Fund B, with a Beta of 0.90, is actually taking on less risk relative to the market. After we adjust raw performance for risk, we arrive at the following Alpha for our two funds:

Fund A: 6% – (1.2 x 4) = 1.20%

Fund B: 5% – (0.9 x 4) = 1.40%

As you can see, despite having a higher absolute return, Fund A has lower Alpha after adjusting for the additional risk assumed by the portfolio management team. Fund B actually took less risk in order to achieve its outperformance relative to the market, delivering a higher risk-adjusted return than Fund A.

Conclusion

When evaluating mutual fund performance, absolute return is only one side of the equation. Investors also must be aware of the risk they are assuming to achieve their returns before they can make an informed judgment when comparing mutual funds. The three metrics discussed do not tell the complete story – but they are an essential starting point. They should be used together with historical return measures, and qualitative factors such as investment philosophy, management tenure, fund expenses and the strength of the investment process. Other quantitative measures such as Sharpe Ratios also are extremely useful. Together, they can help investors make more informed and educated decisions when determining which mutual funds are the right “fit” for their portfolio. (source http://blogs.forbes.com )

Best top Mutual Funds to buy with Solid Long Term

Best top Mutual Funds to buy with Solid Long Term : view the latest rally as a bit of a growth bubble at current prices. Although many online businesses offer high growth in a low growth world and many investors may be right to be optimistic despite the end of QE2, the average high PE tech (I mean over 200X earnings and 5X book value) stock looks downright nuts to purchase here given the country and the global economy is going through a laundry list of problems.

With talks of the debt ceiling, the 85% rally from the lows, and the fact that stocks are up while the economy is down I think now is time to cut allocations to higher PE stocks and add exposure to below book value names and long short managers.

AVALX
Aegis Value is one of the only Ben Graham, deep value investment funds available to investors that buys shares in cheap and unloved stocks trading below tangible book value. Aegis has outperformed the stock market since inception by a wide amount, driving value for fund holders with a X return since inception. Manager Scott Barbee is a Harvard MBA who prefers stocks that Wall Street hates, saying that the investments he likes are like apples -- you have to cut out the rotten spots to find value and separate the completely rotten fruit from the true value bargain. I tend to agree with him that many times the tough job in deep value investing is to decide if a stock is permanently or temporarily impaired and that companies worth buying usually have issues, but that these issues can create opportunity if Wall Street has incorrectly concluded that the end is near.

FAIRX
A better known offering, the Fairholme Fund, has had a tough 2011 so far but I view this relative under-performance as a buying opportunity. Fairholme has the best longer term track record of all of the large cap value funds over the past 10 years even after the recent speed bump in performance. This long term value creation has made Fairhome the Morningstar Fund of the Decade. The fund is down pretty badly year to date with a 13% YTD loss. Given their large overweight position in the financials i view their performance as pretty strong all things considered -- most of their top positions are down much more than 13% YTD so investors here should likely stay the course. That said, if things get much worse in the housing and credit markets, the fund could suffer.

HSGFX
The Hussman Strategic Growth Fund has not performed all that well during the "recovery" however the fund managed to avoid all of the losses of 2008 and 2009 and has a strong 10 year track record. When viewed on a risk adjusted basis, the Hussmann offering has a ton of merit even though during the current stock market mania the returns here have been muted. The main reason for the dampened upside here of late is that Dr. Hussman looks at the average earnings for the S&P 500 over the past ten years, not just the earnings of the S&P 500 over the past year. To me, this longer term view makes a ton of sense and is also the type of metric Benjamin Graham used to evaluate and value individual equities. I like this fund for a "risk on" environment and I think that we are not embarking on a new secular bull market from the current CAPE of 23X earnings.

UMBIX
Columbia Value and Restructuring is one of the only funds that has outperformed the S&P 500 over the past 15 year period, and has generated an impressive 10% per year return for their shareholders. David Williams takes a longer term, contrarian value approach to investing although he is willing to buy good businesses at fair prices. While I like this fund, the 600 trillion derivatives mess out there keeps me from being all that bullish after the recent 95% up move from the March 2009 lows. That said, I think Williams will continue to outperform the index funds over a longer period of time, which is more than you can say for the other 90% of actively managed mutual funds out there. YTD the fund is up 3.18%...

SEQUX
Sequoia Fund is up over 12% YTD and up an average of 6.18% over the past 10 years, besting the S&P 500 over the past decade by 3.33% per year over that time frame, making this offering one of the best long term investments in the Large Value category. Robert Goldfarb and David Poppe have done a great job and continue the tradition of this dyed in the wool value fund that was the only investment fund Warren Buffett recommended to his hedge fund investors after he shut his doors in the 1970's.

TBGVX
Tweedy Brown is one of the best global value fund managers in the world, with a 6.16% ten year annual return, besting the MSCI EAFE index by 4.76% per year over that period of time, which represents significant alpha to their fund holders. We like the fund and feel that global value funds make more sense right now than US funds given the lack of regulatory differentiation here with an under-funded S.E.C. and given the tendency for the US to print, borrow, and spend money. Tweedy Browne is a classic value shop with one of the best long term track records in the investment business.

TAVFX
Third Avenue Value Fund run by Marty Whitman is another amazing long term value investment fund which looks to buy undervalued businesses which are well managed and without material impairments to their businesses. Whitman faced a pretty steep drawdown in 2008, but he was right in his assessment that his portfolio faced very few impairments on their book values. The fund has outperformed since then but is down 1.24% so far YTD. Whitman's large foreign allocation has underperformed in the near term, but over the longer term I think they are well positioned to outperform the market. The fund is up 6% or so annualized over the past 10 years. (source /www.businessinsider.com )

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best mutual funds for 2012

best mutual funds for 2012 : If you want to own one investment in 2011 and 2012 your foremost mutual fund investment is usually a traditional balanced fund. Alternatively, with somewhat effort it is possible to assemble the top investment portfolio if you also invest money in several additional funds. This will likely provide you with total portfolio balance, this means you should sleep better during the night in 2011 and 2012 it doesn’t matter what happens Get Motivated Seminars about the investment scene



Best Mutual Fund Investment Strategy For 2011 and 2012

The best fund for most folks falls into a category called BALANCED, ASSET ALLOCATION, or TARGET RETIREMENT because the investment strategy here is to invest money in all three areas, while keeping the investor portfolio balanced (ratio of stocks to bonds) throughout the years. Read More...



Best Mutual Fund Investment Portfolio for 2011-2012

Energy stocks can soar when oil prices do, property and basic materials prices can usually benefit from inflation, and gold prices thrive on uncertainty. The perfect mutual fund investment portfolio is one which includes funds that invest your hard earned cash over these special sectors. Read More...



Best Mutual Fund Investment Strategy For 2011 and 2012

The best fund for most folks falls into a category called BALANCED, ASSET ALLOCATION, or TARGET RETIREMENT because the investment strategy here is to invest money in all three areas, while keeping the investor portfolio balanced (ratio of stocks to bonds) throughout the years. Read More...



Table Of Mutual Funds Closed To New Investors

‎Funds mentioned refer only to front-loaded or no-load mutual funds. Data is current as of the close of business July 8 Read More...



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Best Precious Metals Mutual Funds July 2011

Best Precious Metals Mutual Funds July 2011 ; Precious metals have always been a solid investment choice, especially in times of economic uncertainty. They also offer superior protection against inflation, which cannot be said of almost all other reasonably liquid assets. Consequently, they outperform other sectors during a market downturn, as they have demonstrated in the recent past. Since they hold well diversified portfolios and are professionally managed, precious metals funds offer the most stable option for investments in this sector.

Below we will share with you 5 top rated precious metals mutual funds. Each has earned a Zacks #1 Rank (Strong Buy) as we expect the fund to outperform its peers in the future.

U.S. Global Investors Gold and Precious Metals (USERX) invests a large proportion of its assets in companies whose primary operations are related to gold and other precious metals. The fund focuses on acquiring equity and related securities and may also invest in rights, warrants and depository receipts. The precious metals mutual fund has a ten year annualized return of 24.48%.

The precious metals mutual fund has a minimum initial investment of $5,000 and an expense ratio of 1.80% compared to a category average of 1.42%.

OCM Gold (OCMGX) seeks capital appreciation. The fund invests in domestic and foreign companies in the gold mining industry. It focuses on purchasing common stocks and may also invest in precious metals producers. The precious metals fund has a five year annualized return of 13.14%.

As of May 2011, this precious metals mutual fund held 57 issues, with 13.27% of its total assets invested in Goldcorp, Inc.

Midas (MIDSX) invests at least 65% of its assets are invested in companies involved in the mining, processing and distribution of precious metals. Up to 35% of its assets may be invested in companies deriving a share of its revenues from the precious metals sector. This precious metals fund returned 21.51% in the last one year period.

Thomas B. Winmill is the fund manager and he has managed this precious metals mutual fund since 2002.

GAMCO Gold AAA (GOLDX) seeks capital growth over the long term. At least 80% of the fund’s assets are invested in domestic and foreign companies which engage in gold-related activities. A substantial portion of its assets are utilized to purchase foreign securities The precious metals fund has a three year annualized return of 5.35%.

The precious metals fund has a minimum initial investment of $1,000 and an expense ratio of 1.44% compared to a category average of 1.42%.

Fidelity Select Gold (FSAGX) invests the majority of its assets in companies whose principal operations are related to gold, and in gold bullion and coins. Up to 25% of the fund’s assets may be invested in gold and other precious metals through a wholly-owned subsidiary. It is non-diversified and a no load fund.

This precious metals mutual fund returned 11.42% in the last one year period.

Top 5 Energy Mutual Funds July 2011

Top 5 Energy Mutual Funds July 2011 : Rising energy prices are making a serious dent on household budgets, adding to the pain of high inflation and higher utilities bills. The clear gainers in this scenario are energy companies and stocks of major players like Chevron and BP have been continuously trending upward. Investing in these securities would seem to be the most logical thing to do, but for the fact that the sector often witnesses high levels of volatility. One reason for this is that a large portion of the world’s oil reserves are located in relatively unstable nations. By holding widely diversified portfolios, mutual funds can greatly reduce the risks associated with investing in this sector.

Below we will share with you 5 top rated energy mutual funds. Each has earned a Zacks #1 Rank (Strong Buy) as we expect these mutual funds to outperform their peers in the future. To view the Zacks Rank and past performance of all energy funds

Fidelity Select Energy (FSENX) seeks capital growth. It invests the majority of its assets in equity securities of companies whose principal operations are related to the energy sector. The fund may purchase foreign securities. The energy mutual fund returned 51.2% over the last one year period.

The fund manager is John Dowd and he has managed this energy fund since 2006.

Vanguard Energy Index (VENAX) invests in approximately all of the equity securities which make up its target index, the MSCI US Investable Market Energy 25/50 Index. This index is made of large, medium and small domestic companies from the energy sector. The energy mutual fund has a five year annualized return of 8.42%.

The energy mutual fund has an expense ratio of 0.24% compared to a category average of 1.65%.

Rydex Energy (RYEIX) seeks to provide investors long-term capital growth. It invests heavily in equity securities and derivatives of energy companies which are traded in the U.S. This energy mutual fund returned 44% over the last one year period.

As of May 2011, this energy mutual fund held 93 issues, with 6.25% of its total assets invested in ExxonMobil Corporation.

Ivy Global Natural Resources A (IGNAX) invests the majority of its assets in equity securities of companies, whose primary operations are related to natural resources, including suppliers and service providers. The energy mutual fund has a ten year annualized return of 14.03%.

The fund manager is Fred Sturm and he has managed this energy mutual fund since 1997.

ProFunds UltraSector Oil & Gas Investor (ENPIX) seeks to return daily investment results which are one and a half times the daily performance of the Dow Jones U.S. Oil & Gas Index. The fund primarily purchases equity securities and derivatives whose daily returns correspond to its investment objectives. The energy mutual fund returned 70.64% over the last one year period.

The energy mutual fund has a minimum initial investment of $15,000 and an expense ratio of 1.69% compared to a category average of 1.65%.

Best mutual funds for july 2011

Best Mutual funds India for july 2011 : As a popular investment option, most of us invest in several Mutual Funds existing in market. How about taking a look at today's top five mutual funds according to Mutual funds India.

Motilal Oswal Most Shares NASDAQ 100 ETF an open ended ETF scheme that was started on 29 March. The investment objective of the scheme is to seek investment return that corresponds (before fees and expenses) generally to the performance of the NASDAQ-100 Index, subject to tracking error. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. The fund managers of the scheme is Rajnish Rastogi. The fund size of this scheme is 51.4 as on 31 May 31 2011. The latest Net asset Value as on 8 July 2011 is 106.88. Some of the top holdings are Apple, Microsoft Corp, Oracle Corp, and Intel Corp.

AIG World Gold Fund - Growth an open ended fund of funds scheme that was started on 6 June 2008. The primary investment objective of the Scheme is to provide long term capital appreciation by investing predominantly in units of AIG PB Equity Fund Gold. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes. The Scheme may also invest a certain portion of its corpus in debt and money market securities and/or units of debt/liquid schemes of Mutual Funds, in order to meet liquidity requirements from time to time. Vikrant Mehta is the fund manager of the scheme. The fund size is 214.9 crore as on 31 May 31 2011. The latest Net Asset Value of the scheme is 15.18 as on 7 July 2011. Some of the top holdings are International Fund, Money Market.

DSP BlackRock Natural Resources & New Energy Fund-Retail-Growth an open ended scheme that was started on 25 April 2008. The investment objective of the Scheme is to seek to generate capital appreciation and provide long term growth opportunities by investing in equity and equity related securities of companies domiciled in India whose predominant economic activity is in the (a) discovery, development, production, or distribution of natural resources, viz., energy, mining etc; (b) alternative energy and energy technology sectors, with emphasis given to renewable energy, automotive and on-site power generation, energy storage and enabling energy technologies. The Scheme will also invest a certain portion of its corpus in the equity and equity related securities of companies domiciled overseas, which are principally engaged in the discovery, development, production or distribution of natural resources and alternative energy and/or the units shares of Merrill Lynch International Investment Funds New Energy Fund, Merrill Lynch International Investment Funds World Energy Fund and similar other overseas mutual fund schemes. The secondary objective is to generate consistent returns by investing in debt and money market securities. The fund managers of the scheme are Anup Maheshwari, Mehul Jani. The fund size is 143.83 as on 30 June 2011. The latest Net Asset Value as on 8 July 2011 is 14.76. Some of the top holdings are Castrol India, Reliance Industries, Hindustan Petroleum Corporation, Bharat Petroleum Corporation.

Reliance Long Term Equity Fund-Growth an open Ended scheme that was started on 26 December 2006. The investment objective of the scheme is to seek to generate long term capital appreciation & provide long-term growth opportunities by investing in a portfolio constituted of equity & equity related securities and Derivatives and the secondary objective is to generate consistent returns by investing in debt and money market securities. Samir Rachh and Sunil Singhania are the fund managers. The Net Asset value as on 8 July 2011 is 15.45. Some of the key holdings are Other Equities, Rallis India, WABCO-TVS (India), Abbott India.

Escorts Leading Sectors Fund- Growth an open ended scheme that was started on 25 August 2008. The investment objective of the scheme is to provide capital appreciation or income distribution by investing in companies from Leading Sectors, depending upon their growth prospects and sustainability of future earnings growth. The fund manager of the scheme is Jagveer Singh Fauzda. The fund size as on 31 March 2011 is 0.69. The latest NAV is 11.04 as on 8 July 2011. The top holders are Tata Motors-DVR-A-ORDY, Larsen & Toubro, Navneet Publications, Indian Bank.

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