Mutual Funds

Mutual funds can be described as a company that brings together a group of people with a common goal to invest in a portfolio of stocks, bonds, money markets and/or similar securities. Each investor owns shares which represent a portion of the holdings of that portfolio.  The Net Asset Value (NAV), or price, of these funds is a total of the underlying assets, less all of its liabilities.

The value of your Mutual Funds can fluctuate for the following reasons:

1.       The market value of the securities within the portfolio either increase or decrease

2.       The fund can receive a dividend or interest payment from the securities within the portfolio

3.       The liabilities (debt) of the mutual fund decrease or increase


Some Advantages of investing in a Mutual Fund include:

1.       Professional Management

2.       Buying Power

3.       Liquidity

4.       Simplicity & Convenience

As with any investment, you need to identify the suitability of mutual funds to your needs, objectives, and investment experience. Some of the disadvantages of a mutual fund may include: 

1.       Lack of Control of Investment Management and Trade Execution

2.       Dilution.  The more money a fund takes in, the more it must buy. Can they continue to find the right securities?

3.       Taxes. If you hold mutual funds in a non-qualified account, you will need to pay taxes on dividends and realized capital gains.


There are a wide variety of Mutual Fund Asset Classes. Some are diversified portfolios, while others may focus on one specific goal. Some of these asset classes include:

1.       Growth

2.       Value

3.       Blend

4.       Bond

5.       Indexed

6.       Sector Specific

7.       Specialty Funds


As independent financial advisors, we can offer many mutual fund families to help ensure you receive a customized solution for your investment goals.  Some of the funds we use include, but are not limited to, American Funds, Fidelity, ING/Voya, Pacific Life, Calvert, Franklin Templeton, Putnam, Prudential, BlackRock and Oppenheimer. 

Contact our Financial Services Team at 941-745-8300 to learn more about Mutual Funds to see if they are right for your financial situation and investment objectives.

Investors should carefully consider a fund’s investment goals, risks, sales charges and expenses before investing. The prospectus contains this and other information. Please read the prospectus carefully before investing or sending money. 

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Nicholas Zec, Jr., James E. Boyd, David Grantham, and Kristy Terenzio are Registered Representatives of LaSalle St. Securities LLC, a registered broker/dealer. Securities are offered through LaSalle St. Securities LLC, Member  FINRA/SIPC, 940 N. Industrial Drive, Elmhurst, IL 60126-1131. Boyd Insurance & Investment Services is not affiliated with LaSalle St. Securities LLC. Investing involves risks, including the risk of principal loss. Check the background an investment professional on FINRA's BrokerCheck