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Frequently Asked Questions
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Whether you are someone who is just starting out and wants your investments professionally managed, or who doesn’t have the time to monitor and manage your investments daily, then funds could be for you. Investing together with many people into a fund gives you easy access to the global financial markets and institutional investing that you wouldn’t be able to do yourself.
What is a fund and how do they work? Well in the US and Canada they are generally referred to as mutual funds, in Europe or internationally they are more commonly called unit trusts. They are professionally managed, regulated, collective investment vehicles that pool money from many investors to invest into the financial markets. In a nutshell when you invest into a fund you hold units of that fund and when the funds assets increase or decrease in value so does the unit price you own.
The most common type is the open-end fund which allows you to buy and sell your holdings daily, some funds such as property or hedge funds with a range of assets may deal weekly or monthly. This means you can very quickly change from one fund to another allowing you to move quickly when the markets move. Funds are often categorized as money market funds, bond or fixed income funds, stock or equity funds, property or absolute return funds.
Funds can be described as passively managed such as index funds where they simply track a financial index like the S&P500 or actively-managed funds which have a professional fund manger and a management team making decisions daily about the funds holdings. When it comes to fund managers we can help you access the best investment funds and the top managers who run them. Funds can give you access to top flight fund companies and managers all of whom have a track record of successfully managing portfolio’s for clients. We work with many well known international fund management companies such as Fidelity, Vanguard, JPMorgan, Schroder, HSBC, BlackRock and more.
We recommend not just investing in one fund or with one fund company but in a group to build a diversified portfolio covering a wide range of geographical regions and asset classes such as equities, bonds, property, hedge, commodities, currencies, emerging markets and more. You can then spread your risk and costs optimising your profits and earnings from a diversified exposure to the financial markets. Argentum’s Active Portfolio fund management is an additional service available to clients, see Portfolio Management for more details.
For more information about funds and solutions or to talk now with an Argentum Advisor, contact us today.