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A mutual fund is a collection of investments – stocks, bonds or other securities – that’s managed by a professional portfolio manager.
When you invest in a mutual fund, you’re pooling your money with other investors. The portfolio manager has the entire pool of money to work with, and makes decisions based on each fund’s objective.
Mutual funds come in many varieties to meet different investor goals. Most of Franklin Templeton’s mutual funds fall into one of four asset classes:
Invest mainly in stocks from a selection of companies. This type of fund may focus on certain sectors (energy, for example) or have a specific investment style.
Invest mainly in bonds or other debt securities. This type of fund offers investors the potential to earn income, while preserving their initial investment.
Invest in a number of asset classes, such as stocks, bonds and money markets. This type of fund offers broad diversification, often associated with pension-style investing.
Invest in a variety of asset classes and strategies. This type of fund offers the potential to reduce volatility and improve portfolio returns.
Mutual funds offer four distinct advantages over hand-picking investments such as stocks or bonds.
1. Professional Management
Mutual funds give investors access to the expertise of full-time, professional money managers. Portfolio managers have the experience and resources to actively buy, sell and monitor investments.
2. Diversification
By investing in a mutual fund, you’re investing in an entire bundle of stocks, bonds or other securities – essentially guarding against the old adage about too many eggs and only one basket.
3. Affordability
For many people, it would be more costly to purchase directly all of the individual securities held by a single mutual fund. By contrast, the minimum initial investments for most mutual funds are more affordable.
4. Liquidity
Most mutual fund holdings can be sold any day the stock markets are open, so you always have easy access to your money. Of course, the value of your holdings may be worth more or less when you sell than when you buy.
We recommend working with a qualified investment advisor. An advisor is the best person to help you set goals, make a plan and stay on track for a healthy financial future.
Your advisor will help:
A good advisor will also monitor the performance of your portfolio and suggest adjustments when it’s time for change.
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Management fees and other expenses and, in some cases, sales loads are associated with mutual fund investments. Investors' returns are reduced by these fees and expenses. Funds are offered through point-of-sale documents, which contain detailed information about a fund's goals, charges, expenses and risks.
They should be read carefully before investing.
All investments involve risks, including possible loss of principal.
Diversification does not guarantee a profit or protect against a loss.
This website is for Canadian residents.
This website is for Canadian residents.
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Franklin Templeton Canada is a business name used by Franklin Templeton Investments Corp.