Money is still comming out of mutual funds while s&p moves higher

So for the last week more money has come out of equity mutual funds .The week before was one of the few weeks in the last year or so that money went inot equity mutual funds

This is why people don't make any money when investing. i know exaqctly whats going to happen.When the market keeps going up those that are out will all of a sudden decide its time to get back in and than BOOM!!!! This is one prediction you can take to the bank.

Just like i've been saying for months,they have all of their money in bond funds and after they get hammered there they will move it to equity funds right at the top

I have been saying to get into stocks since 10/21/--the s&p is up close to 7% since than.Since 12/31 the s&p is up over 5%.

92% of 8000 mutual funds had losses

The average U.S. stock fund lost 2.90% in 2011, while the S&P 500 stock index produced a total return of 1.52%, according to Lipper Inc. Of about 8,000 funds that Lipper tracks, 92% suffered losses... Foreign fund managers performed even worse, with an average 13.90% loss, owing to the European debt crisis. U.S. Treasury fund managers took the winner's stand with a 16.04% return, as investors flocked to government securities for safety.

This is why I have been using index etf's to manage my accounts.It makes little sense to try to find the 8% of mutual funds that didn't lose last year. And I'm pretty sure the results are pretty similar year in and year out. And if these mutual fund managers can't pick winners how do you expect to do it?

Also,it makes a huge difference being in the right sectors,It can't be emphasized enough.

In or Out?

My goal in managing money is to be in the market during up trends but more importantly to be out of the market during down trends.
Isn't that what you really want?
What else does a financial advisor bring to the table ?
If he's bringing buy and hold why do you need him?
Why pay a fee?
You can do that on your own

The S&P is up over 4% since January 1st--Are you in or out?

Target Date Funds Miss Their Mark Again

Article from Wall Street Journal

http://online.wsj.com/article/SB10001424052970204124204577150803937192884.html?mod=wsj_share_tweet

Wall Street Journal article on 401k's

Article on 401k's from the wall street journal
This is a theme I continuously harp on
You need to take charge of your 401k. if you can't be bothered with it you need to hire someone like me that will watch it everyday.

http://online.wsj.com/article/SB10001424052970203462304577138834217346506.html

Another example of why you have to ignore predictions

This is something I learned after being in this business for over 20 years.
And why I don't follow any of these predictions but instead watch the market and follow the trend either up or down


http://www.rollingstone.com/politics/blogs/taibblog/goldmans-latest-boiler-room-stock-america-20120102#ixzz1ibC8iIm7

Happy 2012 and your Retirement plan assets

So here we are in 2012.
As far as investing goes 2011 was very volatile but went nowhere. The s&p pretty much ended unchanged. If you were in Government bonds you has a pretty good gain. But if you were in any foreign sectors the gain in bonds was pretty much cancelled out by the loss in the foreign sector.
So what are you going to do in 2012?
From the flow of money reported by mutual fund companies people were getting out of stocks and pouring into bonds.
Are you prepared for a stock market rally? or are you just going to sit with what your invested in from last year?
With a long list of uncertain political and financial events dominating the worldwide headlines, the timing is perfect now for you to make an effort to better preserve and grow your retirement plan assets
If you have been frustrated in the past by your inability to find the time, experience, or comfort level in making your own retirement plan investment decisions, you should reach out to a professional investment advisor.
Make sure to look for a professional investment advisor who will provide you with a fiduciary level of investment advice. A fiduciary investment advisor will always put your investment objectives first and not try to “sell” you an investment product that you don’t need.
The person that cares most about your retirement plan account is you.
Look for an investment advisor who shares those same feelings.Also look for a financial advisor who is experienced in providing investment advice to individual company retirement plan participants.
This advisor should be able to provide you with an investment management game plan for the mutual funds in your company retirement plan menu.
Last, and most important, is to find an investment advisor who can articulate an investment management strategy for your company retirement plan account in both up and down stock market and U.S. economic cycles.