Investment savings is becoming increasingly popular. Whether the one-time a higher amount, or the continuous one SAVE MONEY – those who invest in the right mutual funds, has a longer duration in most cases a higher return than with a conservative banking system. But what are the right fund? Most people go to your bank can advise there and then buy their mutual funds there as well. This advice has its price. Investment funds are generally managed professionally and for this management called a management fee is calculated, which can vary depending on investment policy and the associated costs for research and management in equity funds, for example between 0.5% and 2% per year.
For bond funds, or even in passively aligned to an index fund, the fee is usually slightly lower. The biggest cost is the so-called fee, which moves in bond funds between 2% and 3%, and equity between 4% and 6% of the fixed sum. This Fee is in most cases completely to the intermediary, so the advisory bank, so that covers their consulting fees. Who can do without such advice and chooses its own funds, can buy at one purchase on a direct its funds with a discount on the fee and save you money. Even better is the direct purchase of the Fund over a free agent funds over the Internet. This does not include the fee for the most part entirely. The results for example in an equity fund with a 5% sales charge on an investment amount of 10,000 a saving of 500 !