Discovering Low Minimum Mutual Funds

Low Minimum Mutual Funds

Low minimum mutual funds can make all the difference in when investors actually get to start putting money toward their futures. Anything from poor performance to exorbitant fees or an inexperienced manager can cause problems once a person has started their mutual fund, but many high minimum investments keep people from even beginning their funds in the first place. The following article will take a look at low minimum mutual funds for prospective shareholders to consider buying into.

 

Finding Low Minimum Mutual Funds

Fortunately, there are investments you can begin with much less than several thousand dollars. It’s perfectly reasonable to not have a lot of cash lying around to begin your initial investment. Many people are in the middle of supporting a family, putting children through school, or reserving money for other things, like an emergency fund. Lower minimums attract novice investors to funds because of their accessibility.

 

The Downside Of Low Minimums

A smaller minimum isn’t always a good thing though. A lower minimum often means more shareholders. More shareholders mean that more records will be kept, which raises the potential for higher ongoing expenses. This means that funds with higher minimums may actually have less expenses. Companies like Vanguard use high minimums on purpose to keep their most profitable funds from seeing too many new investors. And there are situations in which a higher minimum can be outright waived for you if you become part of an agreement saying you’ll make contributions through an account regularly. Advisers can also help you sidestep a high minimum investment.

 

Finding Low Minimum Funds

With a long history of small-cap investing, Paradigm Capital Management is a trusted leader in small cap investing. The Paradigm Funds family of no-load mutual funds makes the firm’s small-cap and SMid-cap strategies available to fee-based financial advisers and retirement professionals. Paradigm Funds are widely available on more than 50 no-load platforms.

 

To learn more about how Paradigm Capital Management’s capabilities align with your long-term goals, please contact us at (518) 431-3500

For more info, please visit here: http://paradigmcapitalmanagement.weebly.com/

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Finding Value in No Load Mutual Fund Investing

What are you thinking when it comes to your no load mutual fund selections? Are you saving pennies and sacrificing dollars?

Are you spending your time looking at expense ratios, analyzing Morningstar ratings and searching for funds with low fees and no 12b1 charges? If you are like most people, you know these things in and out. You’ve spent hours evaluating them, and your chosen mutual funds cost little to purchase and maintain. But they still don’t perform to your hopes and expectations.

So, why is this happening? Because this kind of investing focuses on cost as opposed to value.

Investors with this philosophy have usually interviewed numerous advisors. But instead of trying to find someone suitable with a sensible approach, they only want to know who has the lowest fees. That’s like going to the cheapest auto repair shop and getting the best price, but your car still doesn’t run well.

Then there are the investors who call or email me wanting a recommendation on a no load mutual fund. They want one with no 12b1 charge, but they completely ignore the issue of how the fund might perform.

Both these kinds of investors spend their time trying to save pennies and in the process they are losing dollars. Here are some ideas that will assist you in evaluating the end profit rather than just the short term saving.

  1. Shift your focus from penny pinching to looking at the big picture: What can a mutual fund or an advisor do for you, not how much does it cost? Why? If you buy a given no load mutual fund at the right time and it gains a tidy 15% for you over a 6 week period, would you really care about the costs? If a mutual fund–or an advisor for that matter–can give you superior performance and an increase of several percentage points over your bargain price pick wouldn’t you pay an extra 0.25%?

  1. Consider finding a fee-based investment adviser who uses a facts-based methodology and has a track record indicating those kinds of returns. For example, in my own practice I used a trend tracking approach to get my clients into the market on April 29, 2003. Plus, our research and homework led us to recommending funds that gained anywhere from 11.50% to 22.00% over the following 6 week period. How did you do during that time? Do you think any of my clients care whether one of these funds has a small 12b 1 charge? Or whether they have the lowest expense ratios in the industry? I know they don’t.

The bottom line is to look at costs as balanced by performance and that’s where you find value. Then seek true value not simple savings, enjoy healthy dollar-level returns and don’t sweat the pennies.

With a long history of small-cap investing, Paradigm Capital Management is a trusted leader in small cap investing. The Paradigm Funds family of no-load mutual funds makes the firm’s small-cap and SMid-cap strategies available to fee-based financial advisors and retirement professionals. Paradigm Funds are widely available on more than 50 no-load platforms.

To learn more about how Paradigm Capital Management’s capabilities align with your long-term goals, please contact us at (518) 431-3500

Also read: Picking Profitable Microcap Stocks

Why Offshore Is the Best for Saving Your Wealth?

If you are an investor or business man seeking sky highs then at some stage of your business you will definitely want to expand it and make incorporation in other countries. Not only to grow your business through targeting a larger marketplace, but also, and most importantly, to reap the advantages and benefits of a registered company in offshore.

You might even have some hesitations regarding company incorporation in offshore.
Below is some information provided by our experts at Paradigm Capital Management which will help you in putting aside your fears and learning about the large number of benefits available to you:
Offshore company formation: advantages which onshore companies usually can’t offer!

Offshore advantages

1) One of the offshore advantages is that the company’s formation is trouble-free and cost valuable course of action. In countries like the Seychelles and British Virgin Islands it doesn’t take more than 3 days and a few thousand dollars to set up a new company. You know the time consuming procedure in your home state!

2) The offshore company service providers consist of everything in their offerings: from the registration of your offshore company to the support you will need to run the company in an effective method.

3) Another offshore advantage is the privacy and confidentiality which you can never get in your own country.

4) Particularly the best countries offshore company proprietor is not required to file his personal documents with some governmental authority and even in case if it’s required, it is very minimal. Mostly, the personal documents are only filed through the corporate service provider.

5) Incorporation in other countries also protects you from the dreadfulness of legalized issues that you might have to face in your country due to an adversary or some personal jealousy, since the lawsuit procedure is cumbersome and costly.

6) Another great offshore advantage that you get when you set up greatest countries offshore company is to enjoy the tax free haven! Yes, tax free haven means NO TAXES!

7) There are many countries like Seychelles, British Virgin Islands, Dubai and Mauritius where when you set up offshore company you will not be charged any taxes. Such countries have international free trade zones and usually charge a very minimal annual amount of the offshore companies.

8) There is no obligation to have more than one director of the offshore company.

9) Also there is no need to have any board of directors meeting or officially file monetary results. This is another offshore advantage.

10) Another offshore advantage is when you set up offshore company not only do you get the officially permitted and monetary benefits, you can also get advantage from the splendid beauty of offshore countries.

11) Most offshore company tax havens have a very constant political and law & order situation.

12) Can protect and separate high-risk investments from other more secure holdings is another offshore advantage.

13) Another offshore advantage is that to protect retreat funds from potential bankruptcy.

14) Nominee directors and officers can accept you to carry out business transactions for your advantage while you remain anonymous is another offshore advantage

It is feasible to open corporate bank accounts all over the world to maintain offshore company formation. Many foremost banks offer corporate bank account services. Performing business and carry out banking transactions in the name of an officially permitted entity provides momentous privacy benefits.

Another offshore advantage is having an entrée to a money market for offshore companies and financier. Holding a currency other than the currency of your own countryside decreases hazard of currency devaluation, and if well chosen, can contribute considerably to the net yield.
Regardless of whether you put in domestic or offshore funds, you must be a qualified investor.

The idea of a “qualified investor” is somebody who has the cleverness to recognize the risks they are undertaking in investing in a fund. All jurisdictions we know of both offshore and domestic have some minimum prerequisites to make sure that all its investors are “qualified”.

Paradigm Capital Management is a trusted leader in small cap investing.
Our strategies are available through separately managed accounts, mutual funds, and onshore and offshore long/short funds—all of which draw upon the same fundamental research and investment process that have been the key drivers behind our significant, long-term outperformance.

To learn more about how Paradigm Capital Management’s capabilities align with your long-term goals, please contact us at (518) 431-3500

To read more, please click here

Paradigms of Mutual Funds – Paradigm Capital Management

In today’s scenario, one of the upcoming options for investment in the financial market is mutual fund. Mutual funds special features are it: easy availability, risk containment, liquidity, transparency, professional management and decent returns, these above features attract the small investors mainly of average class, the investors play safer game as compare to the up and down of the stock market.

Suitability of Funds

Mutual Fund suits all class of investors who are interested in raising their personal funds. The investments are based on the risk factor of the investor if the risk is higher the return is also high similarly if the risk is low the return on a particular investment will also be low.

If the risk is slightly-averse, the investor should prefer a balanced fund, which invests in stocks only up to 60-70%. If the investor wants to go for larger risk-averse, stick to growth funds. If the investor wants regular returns than investor must go for income funds, with average risk but the risk is less than equity fund. The Mutual fund managers make decision of the funds depending on the investment objective of the investors. They can go for liquid funds like Cash Funds or short term floating rate funds. They may also go for funds based on when you want your funds back. The investor who wants short term and quick return a short-term bond fund would just be fine as return will be within three to six months. An income fund or an equity fund would fit in if the investor willing to afford the fund to leave it with the fund manager for over a year.

Even within each category, you can pick and choose i.e. in equity funds, for example, you have a variety of options: blue chip funds, mid-cap funds, contrarian funds, opportunity funds, dividend yield funds, sectoral funds that invest specifically in select business segments etc.

Many equity funds offer the option of systematic investment plan (SIP) that allows you to invest a certain sum every month or every quarter. This amount is fixed for every installment to be paid. This way, you not only discipline your investments but to a great extent an investor can protect themselves against the vagaries of the market.

Debt funds don’t lack luster either. The investor have a choice medium term debt funds, short-term bond funds, floating rate funds, dynamic bond funds and cash funds. If an investor wants an aggressive debt fund, then they can go for gilt funds. If the preference is a mix of both equity and debt, MIPs or balanced funds would do just fine.

Fair and Transparent dealings

A mutual fund is nothing more than a collective savings pool. Several investors have come together to invest in stocks, bonds or in both. However, mutual funds are strictly regulated. They have to declare their portfolios from time to time. Almost all the funds declare their portfolios every month.

The net asset value (NAVs) of a fund, which points to how much a unit of the fund is worth on a particular day, is declared every working day. You know where your money is going and how it is doing performing in the market.

Easy Access and Availability in Market:

Earlier, even if you wanted to buy a mutual fund, it was not easy. Few distributors, most of them small, sold mutual funds. The quality of their advice often left a lot to be desired. But today, you could buy mutual funds in over 60 cities or towns, either through their own offices or through banks.
All private sector banks now sell mutual funds across the counters in most branches. Some public sector banks too have begun marketing mutual funds through select branches.

Professionally Managed

When you buy a mutual fund, you hand over the task of investing to a qualified and probably more knowledgeable fund manager who is paid for finding the right opportunities for you. The service standards set by mutual fund companies are better as compare to other sources of raising finance. As other sources of raising funds are more risky than mutual funds as their investor have to do the direct dealings. As for example, most fund distributors will come to your residence or office and explain the product features and also collect your cheque.

If you want to sell your fund, you can do so pretty quickly too, mostly within one or two working days. There is no paperwork to fear. For example, in the case of some income funds, the money will be credited directly into your bank account if the account is held with select banks.

In case of systematic investment plans too, you can do so with auto debits. Every month, on a day you choose, your bank account will be debited with a particular sum and specified mutual fund units available for that sum will be bought. No more hassles of issuing post-dated cheques.

Conclusion

Mutual fund investment is better than other raising funds and in the coming years it will prove to be the best source of investors. If past collection figures are a testimony, investors seem to have realized this. Both the public Mutual funds and Private Mutual funds are performing better. The result is moving in upward curve of the financial market. To sum up, mutual funds offer the investor large choices of various schemes with special features and can be chosen on the requirement of the investor.

Paradigm Capital Management is a trusted leader in small cap investing.
With a long history of small-cap investing, Paradigm Capital Management employs a disciplined, bottom-up approach with an emphasis on fundamental analysis and extensive management contact.

Our strategies are available through separately managed accounts, mutual funds, and onshore and offshore long/short funds—all of which draw upon the same fundamental research and investment process that have been the key drivers behind our significant, long-term outperformance.

To learn more about how our capabilities align with your long-term goals, please contact us at (518) 431-3500
Or visit us here: http://paradigmcapital.com/

How to Lower Your Trading Risks In Penny Stock Investing?

The worst thing that could happen in this business is when you go broke. Nobody ever wants that to happen and so do you. If you run out of your investment funds, the stocks and shares just keep moving on and never stop. Of course you won’t be able to operate anymore because you have no money to spare. That couldn’t be difficult to understand, right? So that this horrible vision of bankruptcy will not happen, it is important that you set your limitations in penny stock investing.

It cannot be any clearer than that. No matter how cheap the stocks are, it is important to keep your reservoir full as well. The stock market trend is not predictable. You share can sell high today and you could lose it tomorrow. What if that loss was the last investment money you have? Sad story but this can happen to anyone who is not setting clear goals for themselves. Here we talks about some random guidelines on how to keep your savings intact.

1) Don’t spend more than what you earn. This is common sense. You can’t spend any more than what you only have. But what this means exactly is that if you are into penny stock investing, don’t pour in all your savings. Set aside a budget for your investment to bank roll. A reasonable margin would be no more than ten percent of your personal funds. Any profit made, you can always add it to your savings. But don’t go above the 10% mark unless you can really afford it.

2) Discover all you can about penny stock investing. In this same way as setting up a business, you have to understand the dynamics and the operations. This will lead you to better understanding of the trade. With it, you can make decisions with better precision, not accurate but better.

3) Know the risks you may encounter. Known to everyone in the trade, penny stock trading ranks the highest in risk scale. The stocks lack liquidity. Fraudulent exercises are very possible in this arena. You could lose your money like bubbles bursting in air. But good investors are natural risk takers. They understand it like it’s at the back of their hands. With this mindset, you can set your investment funds better.

4) Know when you need to say no and when you need to say yes. Don’t get carried away if you stock price goes up. It can go down just as fast. So it is important to learn some timing strategies in penny stock investing. This should save you from losing more money and keep your savings steady.

5) Investment is not gambling. If you lose the bet, you can’t have it back. So you bet another. Although stock market trading behaves somewhat similar, it’s not exactly the same. Investment aims for profit. When you get your share, you bank roll it for more profit. And you’re not the only one benefiting it. Gambling is just for entertainment. Penny stock investing is for serious money makers.

This list can go on. But no matter how sensible and persuasive these tips are, it’s really up to you. It’s your penny stock investing money. You have full authority over it. Small cap trading can make you smile a lot if you stop betting your money and start thinking of it as investment.

For more info consult with Paradigm Capital Management a small cap company.
Paradigm Capital Management is a trusted leader and small cap company in small cap investing with a long history of small-cap investing, company employs a disciplined, bottom-up approach with an emphasis on fundamental analysis and extensive management contact. Our three decades of experience provide an exceptional level of insight that is reflected in our high-conviction portfolios.
We are focused on a single minded purpose: To ensure that our clients have the best information on which to base intelligent financial decisions in pursuit of superior investment performance.
To read more, please click here

Small Cap Stock Research – Why It’s Important

If you are a newbie trader who wants to have huge profits in the stock market, or even if you are a seasoned stock market player who wants to achieve greater success, one investment opportunity that you should look at is small cap stocks. But before you get your feet wet in this type of investment it is highly advisable that you first perform some small cap stock research to determine the best stocks to buy and which one to avoid.

Small cap stocks are considered by many as a good investment. This is because of the ability of small cap stocks to grow in a relatively short period of time. The flip side to this great potential is the fact that small cap stock usually involves high risk. Small stock caps, therefore, are ideal for people who are willing to take some risk for the opportunity to make it big in the stock market. Of course, risks can be minimized through small cap stock research.

To those not familiar with the term, small caps are named as such because, as compared to other types of stocks, they have a small market capitalization. If you wanted to invest in the small cap market then it would be valuable for you to realize that many successful companies have started out small. Even the Internet giant Google has started small. One advantage of small companies is that their sales do tend to increase at a faster rate than those of the bigger companies. Another advantage of small companies is they are less affected by market bumps which keeps prices from being too high or too low.

So how does one go about selecting a good micro cap stock? The key is to perform some small cap stock research. You can do this by visiting the websites of promoters of small cap stocks. You can also subscribe to paid sites that offer advice and stock predictions. The money that you will put to these sites monthly or annually can go a long way in terms of helping you succeed in small cap stocks.

Small cap stock trading may seem difficult and complicated at first but a little small cap research can definitely make things simple and understandable. If you are really interested in small cap stocks, you can consult with Paradigm Capital Management a small cap company. With a long history of small cap investing and micro cap funds, Paradigm Capital Management employs a disciplined, bottom-up approach with an emphasis on fundamental analysis and extensive management contact.

Our three decades of experience provide an exceptional level of insight that is reflected in our high-conviction portfolios.
Call us 212.364.1830 or visit us here: http://paradigmcapital.com/

The Best Small Cap Mutual Funds: Paradigm Capital Management

Small cap organizations are the ones that will turn out to be huge tops later on and in this way, their plans can possibly create higher return. In any case, not all organizations get to be an investment destination that produced reliably solid return for their investors. While investment into small cap funds not something that one ought to be opposed to. The specialists feel that even inside of an advantage class, for example, equity mutual funds, investors ought to have appropriate resource allocation crosswise over different classifications. It is not a decent choice to stop your entire venture into a more unsafe class.

The accord among venture counsels is that just up to 30% for every penny of equity mutual fund investment steers into mid and small cap plans. There is a perspective that if the cash is going into middle and small Cap plans it ought to be through efficient investment strategies. A single amount investment passes up a major opportunity for the advantages of averaging out the expense thus a fall in business market effects such investments more.

Why choose small or micro cap mutual funds?

The small or micro cap fund creates a lot of punch to the portfolio and is competent of providing returns that above the average when the market is booming. This time, the funds are more prone to instability as small cap companies hits stringer when markets tank. Mid cap companies are such that have around 60% of assets in mid-cap companies for around three years. Such funds are touching the greater heights when the market is favorable whilst can also clear fortunes when the flood reverses.

Best small cap mutual funds: At a glance

Small-cap mutual fund has an ability of stealing the show when the stock market recovers after a long pause. It is a general opinion that when the stock markets perform well, the small stocks offer best returns. However, when the market performs badly, they fall even more.

The reason is smaller companies hits more in worse economic situations. Additionally in bull markets, even a tiny investment can elevate the smaller stock by much high degree. Several experts illustrates that such funds encompass superior performance resulting in marginal risk they bear. Some other factors that are responsible for it are improved liquidity after the general elections. Usually the liquidity small and mid-cap stocks more conveniently as compared to large funds.

Paradigm Capital Management is a trusted leader in small cap investing.
With a long history of small-cap investing, Paradigm Capital Management employs a disciplined, bottom-up approach with an emphasis on fundamental analysis and extensive management contact.
Our strategies are available through separately managed accounts, mutual funds, and onshore and offshore long/short funds—all of which draw upon the same fundamental research and investment process that have been the key drivers behind our significant, long-term outperformance.

To learn more about how our capabilities align with your long-term goals, please contact us at (518) 431-3500

To read more, please click here