Flexible Income
  • A flexible income mutual fund can be an ideal investment for many investors
  • Flexible income no load funds do not include load fees or large marketing fees
  • A flexible income no load fund offers higher returns in exchange for risks that may be higher as well

A lot of investors and individuals may not know or understand what a flexible income no load fund is or does, and this may limit investment opportunities. A flexible income mutual fund is one that has investments in a number of different bond types. These bonds can generally include us government bonds, foreign government bonds, and corporate bonds with a high yield, as well as others. The goal of these mutual funds is to see high returns currently while minimizing the risks that occur when an investment only covers one market segment. Having investments that are not diversified increases the risks of large capital losses if one area of the market has bad results. These funds have an investment portfolio that is very diverse, so that when one area of the market is seeing losses another area of the market may be doing very well. Portfolio diversification is very important for loss protection, and flexible income funds have this. There are a number of quality no load funds that offer the flexibility and diversification you want for your investments, and doing thorough research is the key to identifying the funds which are a perfect fit with your investment goals and strategies.

No load funds are usually the preferred way to invest for most individuals. These funds do not charge a load fee, but they also do not offer investment advice either. The load fee is paid as a sales commission to the broker or advisor who gives you investment advice, and directs you on where to place your capital to best fit your goals. The load fee on a loaded mutual fund will vary, and can be as small as one or two percent but is usually larger, around seven or eight percent. This is money that is deducted from your capital, which greatly lowers the returns due to a smaller investment amount. Instead of choosing a load fund and getting advice about your investments and finances from someone who may have their own financial motives, choose no load funds and do the research yourself. You will save a significant amount of money and will normally find better investment options which are more closely suited to your strategies and objectives. Use caution when looking for no load funds though, because some flexible income funds may state that they are no load funds when in reality they are not. Some mutual funds will hide load fees in marketing or other fund expenses, and then advertise that they are no load funds. A true no load fund can charge a 12b-1 marketing fee for legitimate fund marketing expenses, but if this fee is more than one fourth of one percent of the net assets of the fund then there are probably hidden load fees included as well. Avoid funds like this to avoid paying unnecessary fees that deduct from your investment returns.

One flexible income true no load fund that may be a good fit for your investment capital is Westcore Flexible Income Fund, which trades under the symbol WTLTX. There are no load fees involved with this fund, and the fund does not include any marketing fees at all so there is no worries concerning load fees hidden in this expense. This fund has been around for six years, so it has a solid history and is not a newcomer. There is plenty of information available to investors about this flexible income mutual fund, so researching it is a simple matter. Whether you choose this mutual fund or another one for your investment capital, do the research. This is critical, because with any investment there are risks involved that could cause you to lose money on an investment. Researching and comparing no load funds can help you minimize these risks and protect your capital.