Best No Load Stock Fund??

Hi,

I am doing a ton of research on this myself and know newsgroups may not
be the best source, but see so much said here about these topics, I
would appreciate input.

I recently opened a Roth IRA with Scottrade, it is now funded but I am
clueless as to what to invest the money in. I have read "No Load Stock
Funds" but I am not sure where to begin. I am in my late 20's and my
401k has always been mostly in aggressive mutual funds and has done
VERY well with them.

What would you suggest I put money in? Again, I am doing other research
too, but am sure the members of this group are much more knowledgable
than I.

Thanks!

Re: Best No Load Stock Fund??

For a collection of articles on the virtues of index funds (which should all
be no-oad), see

I think anyone serious about mutual funds should at least hear out the
viewpoints and evidence given in the links at this site.

Good luck.

"Ryan" <> wrote
> I recently opened a Roth IRA with Scottrade, it is now funded but I am
> clueless as to what to invest the money in. I have read "No Load Stock
> Funds" but I am not sure where to begin. I am in my late 20's and my
> 401k has always been mostly in aggressive mutual funds and has done
> VERY well with them.
>
> What would you suggest I put money in? Again, I am doing other research
> too, but am sure the members of this group are much more knowledgable
> than I.

Re: Best No Load Stock Fund??

PRWCX, PRFDX

look at T Rowe Price web site and Vanguard web site for ideas and
further research.

Re: Best No Load Stock Fund??

Ryan wrote:

>I am doing a ton of research on this myself

>I recently opened a Roth IRA with Scottrade, it is
>now funded but I am clueless as to what to invest
>the money in. I have read "No Load Stock Funds"
>but I am not sure where to begin. I am in my late
>20's and my 401k has always been mostly in aggressive
>mutual funds and has done VERY well with them.

How well? Give real numbers, year by year, not averages over several
years. What investments?

If you've been doing "a ton" of research, why do you still not know
what to do? And if your 401k has been doing very well, why not try to
replicate its investments as closely as possible, provided it's
adequately diversified?

Why do you assume aggressive is better? Is it because you started
investing only in the last few years?

Re: Best No Load Stock Fund??

Dear R. Anton Rave,

I was looking for HELPFUL advice. Not a bunch of nasty remarks putting
me down and attempting to make me feel stupid for asking for
assistance.

Please, in the future, take out your pent up frustration on the person
who caused it in your life, not innocent strangers online simply asking
for help. Would you address me in person like this if I walked up to
you face to face and asked the same question? I certainly hope your
mother raised you better than that.

Re: Best No Load Stock Fund??

"Ryan" <> wrote in message
news:
>
> Dear R. Anton Rave,
>
> I was looking for HELPFUL advice. Not a bunch of nasty remarks putting
> me down and attempting to make me feel stupid for asking for
> assistance.
>
> Please, in the future, take out your pent up frustration on the person
> who caused it in your life, not innocent strangers online simply asking
> for help. Would you address me in person like this if I walked up to
> you face to face and asked the same question? I certainly hope your
> mother raised you better than that.

Ryan:

You are way too sensitive. Anton's questions are fair ones. You have not
really given us enough information to give you meaningful advice.

People truly being nasty on Usenet are not the least bit subtle. They will
call you dirty names and, no, they probably wouldn't do it to your face.

-herb

Re: Best No Load Stock Fund??

Ryan wrote:

>I am doing a ton of research on this myself
>I recently opened a Roth IRA with Scottrade, it is
>now funded but I am clueless as to what to invest
>the money in. I have read "No Load Stock Funds"
>but I am not sure where to begin. I am in my late
>20's and my 401k has always been mostly in aggressive
>mutual funds and has done VERY well with them.

>>How well? Give real numbers, year by year, not averages
>>over several years. What investments?

>>If you've been doing "a ton" of research, why do you
>>still not know what to do? And if your 401k has been
>>doing very well, why not try to replicate its investments
>>as closely as possible, provided it's adequately diversified?

>>Why do you assume aggressive is better? Is it because you
>>started investing only in the last few years?

>I was looking for HELPFUL advice. Not a bunch of nasty
>remarks putting me down and attempting to make me feel
>stupid for asking for assistance.

>Please, in the future, take out your pent up frustration
>on the person who caused it in your life, not innocent
>strangers online simply asking for help. Would you
>address me in person like this if I walked up to you
>face to face and asked the same question? I certainly
>hope your mother raised you better than that.

It would depend on whether I asked for advice or not or they were
answering me unsolicited. I prefer straight talk to mindless or
deceitful flattery, but if you want affirmation, then attend an Oprah
motivational seminar or go to a commissioned salesman who will pretend
to be your friend. But if you're instead interested in making money
and, more importantly, in not losing so much of it, listen to people
who will tell you the truth, whether it's pleasant or not, and pay more
attention to what they say rather than how they say it.

You wrote that you were doing a "ton" of research but still didn't know
what to do. That makes no sense, unless you've been reading the same
material over and over in slightly rehashed form, or the material is
bad and is designed to confuse you and make you dependent on its
authors (a common tactic among salesmen, "teachers" of personal finance
short courses at community colleges, and newsletter writers).

It also makes no sense to not replicate your 401K for your other
accounts if it's been as good as you indicated. So why do you want
something different?

Year-by-year results are important for keeping your feet on the ground
and not making you think that investing really is easy. One of the
things your "ton" of research should have taught you was to never
confuse genius with a bull market.

I couldn't find the book NO LOAD STOCK FUNDS, but if it's an Oprah/Suze
type book, I suggest you counter it with books by John Bogle, Burton
Malkiel, Peter Bernstein, or Frank Armstrong (the latter is free at
www.investorsolutions.com/premier/premiercontent/book/index. cfm). And
don't try to find the very best investments because it's just not
possible and will waste your time.

Re: Best No Load Stock Fund??

"Ryan" <> wrote
> Hi,
>
> I am doing a ton of research on this myself and know newsgroups may not
> be the best source, but see so much said here about these topics, I
> would appreciate input.

Great. Keep asking questions. 'Cause, assuming a certain amount of basic
effort has already been undertaken to answer one's questions via written
sources, the only stupid question is an unasked one.

> I recently opened a Roth IRA with Scottrade, it is now funded but I am
> clueless as to what to invest the money in. I have read "No Load Stock
> Funds" but I am not sure where to begin. I am in my late 20's and my
> 401k has always been mostly in aggressive mutual funds and has done
> VERY well with them.
>
> What would you suggest I put money in?

First, are you acquainted with the notion of portfolio diversification and
so allocation?

There are many free, online portfolio allocation tools to introduce you to
this concept. Their output typically depends on your age (or years to
retirement) and estimates of your risk tolerance (measured in several ways).
This sort of question comes up so often that I constructed a web site which
lists several. See

I suggest using these tools to get some idea of how you want to allocate.
Then return here and ask for specific funds that will support your
allocations.

If I am reading your post right, then it is also suitable for re-posting at
the moderated newsgroup misc.invest.financial-plan. The moderation there
tends to encourage more constructive responses than might be had at an
unmoderated group such as this.