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Mutual Funds
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Kirtland Financial Services
Mutual Funds
Flexibility, Variety and Professional Management to Help You Meet Your Investment
Goals
Through Kirtland Financial Services, you have access to the mutual
funds that can best match your investment goals and objectives. You also have access to professional help for your
overall financial management planning.
What Is a Mutual Fund?
A mutual fund is an investment company whose sole purpose is to invest and manage money for its
shareholders. Assets from a large number of people are pooled together and invested, according to a shared or "mutual" investment
objective, by a professional money manager.
Mutual Funds Offer Significant Benefits for Investors:
- Management by investment professionals who carefully track securities and markets on a daily basis.
- Diversification among a number of investments helps reduce the risk of any single holding.
- Affordable low minimum initial and periodic investment amounts.
- Easy access to your investment dollars through sale or exchange of shares at any time.
- Information available through statements, annual reports and educational materials.
- Flexibility in matching investments to your objectives.
Three Fund Examples
There is an increasing range of mutual fund choices. Here are examples of three popular types:
1. Stock Funds (or Growth Funds)
Stock funds seek to increase in value primarily through appreciation in the prices of the stocks
held. Historically, stocks have outperformed every other type of investment, and they have outpaced inflation.
However, they do carry a higher level of risk than other investments. That s because in the short term, their
value can rise and fall dramatically with changes in the economy and the financial marketplace.
2. Bond Funds (or Income Funds)
Bond funds generally seek to generate a high level of current income by investing in corporate
and government debt securities. Investors purchase bond funds who are looking to supplement their income or are
looking to diversify their investment portfolio. They are a conservative investment, but are subject to the risk
of interest rates changing and bond issuers going into default.
3. Money Market Funds (or Stable Value Funds)
Money market funds seek to provide stability of principal and a reasonably steady stream of interest
income. These investments are considered the most conservative and least volatile. However, they also tend to
provide the lowest rates of return. A risk is that inflation will erode the value of your investment over time.
A Wide Range of Funds Available
There is a wide range of funds for you to choose from. Major mutual fund companies include
Putnam, AIM, Oppenheimer, American, MFS, Franklin Templeton, and many others - all available through CUNA Brokerage
Services, Inc.
Contact Us for More Information
To receive a no cost, no obligation consultation, or for more information, please email Todd
Trevino, VP of Kirtland Financial Services or call (505) 254-4363 or (800) 880-5328 ext. 363.
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