GETTING AN INVESTING GAME PLANCreating It, Working It, Winning It phần 9

Ngay cả một danh mục đầu tư bảo thủ đã không cung cấp an ninh cho một số 7,17 Bunker Quỹ Model / cổ phần 30 phần trăm giá trị lớn-cap Blend Clipper 10% 0% tăng trưởng 0% Tổng cộng 10%Bảng 7,16 lệch hung hăng Danh mục tiêu chuẩn so với S & P 500 thông qua ngày 30 tháng sáu năm 2002 3 năm danh mục đầu tư | 194 Step 9 How Ya Doin houses or fund firms typically report only the value of the investment in a given fund. That doesn t tell you much about how the fund is doing. It is almost impossible to know where you re at in your game plan if you cannot evaluate performance of a fund in comparison to the market benchmarks and other funds in its style category. To get this information you ll need to do some basic and relatively easy legwork on your own. You want to know how each fund has performed on a year-to-date basis as expressed by the percentage change in value for that time period. If it s very early in the year consider comparing to other like funds by looking at the trailing one-year returns. You also want to be aware of how each fund is performing in comparison to other top funds in its fund style. As we ve discussed earlier this information is available in most newspapers Investor s Business Daily the Wall Street Journal Barron s or the New York Times or online on many financial web sites and http . What kinds of changes in fund performance should you be concerned about Typically a red flag goes up for me when I see a fund that is doing 10 percentage points worse than other top-performing funds in the same style. For instance if the best large-cap value funds are down 5 percent from the beginning of a year and the large-cap value fund I am using is down about 15 percent I know the manager must be having a problem. Now that doesn t mean I drop that fund right then and there. As any good coach will tell you you have to give plays time to develop. Applying that concept to mutual funds means that you need to have some patience. Good managers will run into rough patches from which it may take them as long as a year to recover. You have to be careful to differentiate between a manager who is temporarily underperforming and one who has lost his or her ability to perform on a longer-term basis. Deciding the difference between these

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