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  • #1

    Is this a good mutual fund?

    USCGX

    marketwatch.com
    http://www.marketwatch.com/tools/mutualfunds/profile.asp?symb=USCGX&sid=368348


    I have been doing research and apparently it is.

    Basically I want to invest in it for a Roth IRA. Am I right in thinking it would be a good choice or am I missing something?
    "Yay Apoc!!!!!!!" - bipolarbear
    "At least there were some thoughts went into Apocalypse." - Urban Ranger
    "Apocalype was a great game." - DrSpike
    "In Apoc, I had one soldier who lasted through the entire game... was pretty cool. I like apoc for that reason, the soldiers are a bit more 'personal'." - General Ludd
    Tags: None
  • #2
    Blah, you all are of no help.
    "Yay Apoc!!!!!!!" - bipolarbear
    "At least there were some thoughts went into Apocalypse." - Urban Ranger
    "Apocalype was a great game." - DrSpike
    "In Apoc, I had one soldier who lasted through the entire game... was pretty cool. I like apoc for that reason, the soldiers are a bit more 'personal'." - General Ludd

    Comment

    • #3
      Link doesn't work
      THEY!!111 OMG WTF LOL LET DA NOMADS AND TEH S3D3NTARY PEOPLA BOTH MAEK BITER AXP3REINCES
      AND TEH GRAAT SINS OF THERE [DOCTRINAL] INOVATIONS BQU3ATH3D SMAL
      AND!!1!11!!! LOL JUST IN CAES A DISPUTANT CALS U 2 DISPUT3 ABOUT THEYRE CLAMES
      DO NOT THAN DISPUT3 ON THEM 3XCAPT BY WAY OF AN 3XTARNAL DISPUTA!!!!11!! WTF

      Comment

      • #4
        http://quicktake.morningstar.com/fundnet/Snapshot.aspx?Country=USA&ss=gf&Symbol=USCGX
        "Yay Apoc!!!!!!!" - bipolarbear
        "At least there were some thoughts went into Apocalypse." - Urban Ranger
        "Apocalype was a great game." - DrSpike
        "In Apoc, I had one soldier who lasted through the entire game... was pretty cool. I like apoc for that reason, the soldiers are a bit more 'personal'." - General Ludd

        Comment

        • #5
          I don't like Mutual Funds. If you are going to go with a fund I would sooner go with a ETF or market index. IMO, 401ks would best be served with whole market indexes or index funds that track the Russell 2000 or S&P 500, or anything with a number in it. If you want to be more "active" go with industry indexes.

          Mutual Funds are too secretive about their holdings and loads are confussing. Fund managers play to much of a role, and by the time you can tell if a manager is good or not he has either closed his fund or moved on.
          Monkey!!!

          Comment

          • #6
            Well then what specifically would you suggest that would make me a lot of money in 45ish years?
            "Yay Apoc!!!!!!!" - bipolarbear
            "At least there were some thoughts went into Apocalypse." - Urban Ranger
            "Apocalype was a great game." - DrSpike
            "In Apoc, I had one soldier who lasted through the entire game... was pretty cool. I like apoc for that reason, the soldiers are a bit more 'personal'." - General Ludd

            Comment

            • #7
              Re: Is this a good mutual fund?

              Originally posted by Apocalypse
              USCGX

              marketwatch.com
              http://www.marketwatch.com/tools/mutualfunds/profile.asp?symb=USCGX&sid=368348


              I have been doing research and apparently it is.

              Basically I want to invest in it for a Roth IRA. Am I right in thinking it would be a good choice or am I missing something?
              USAA funds are consistently well managed. In fact, the entire USAA organization is extremely well run. I would recomend nearly any product they offer.

              I currently have a credit card, my primary checking and savings, a HELOC, my auto loan, my homeowner's and auto insurance, and a life insurance policy with them.

              Their mutual fund results consistently rank above average and their fees are extremely low. A good choice imho!
              "I am sick and tired of people who say that if you debate and you disagree with this administration somehow you're not patriotic. We should stand up and say we are Americans and we have a right to debate and disagree with any administration." - Hillary Clinton, 2003

              Comment

              • #8
                Is the timing for it good though? I don't know how to read graphs well. Does it even matter if it is a mutual fund anyway?
                "Yay Apoc!!!!!!!" - bipolarbear
                "At least there were some thoughts went into Apocalypse." - Urban Ranger
                "Apocalype was a great game." - DrSpike
                "In Apoc, I had one soldier who lasted through the entire game... was pretty cool. I like apoc for that reason, the soldiers are a bit more 'personal'." - General Ludd

                Comment

                • #9
                  Originally posted by Apocalypse
                  Is the timing for it good though? I don't know how to read graphs well. Does it even matter if it is a mutual fund anyway?
                  I think the timing is fine. In fact Goldman just announced a new Hedge fund today that may be the largest initial placements ever with over $10 billion. The fund will be approximately 30% in stocks. That, to me, is a strong endorsement of the overall strength of the market.

                  As far as if it it matters if it is a mutual fund? Probably not...unless you have an inordinately large amount to invest. Mutual funds do have some advantages for the casual investor.
                  "I am sick and tired of people who say that if you debate and you disagree with this administration somehow you're not patriotic. We should stand up and say we are Americans and we have a right to debate and disagree with any administration." - Hillary Clinton, 2003

                  Comment

                  • #10
                    I just meant that if it was good time for that specific fund.

                    Or do you have any tips for a fund I should invest in instead?
                    "Yay Apoc!!!!!!!" - bipolarbear
                    "At least there were some thoughts went into Apocalypse." - Urban Ranger
                    "Apocalype was a great game." - DrSpike
                    "In Apoc, I had one soldier who lasted through the entire game... was pretty cool. I like apoc for that reason, the soldiers are a bit more 'personal'." - General Ludd

                    Comment

                    • #11
                      You selected a large cap growth fund

                      Over the long term, value funds have done better. Also, you should probably invest in a fund that buys mid caps and small caps too.
                      “It is no use trying to 'see through' first principles. If you see through everything, then everything is transparent. But a wholly transparent world is an invisible world. To 'see through' all things is the same as not to see.”

                      ― C.S. Lewis, The Abolition of Man​

                      Comment

                      • #12
                        Originally posted by Apocalypse
                        I just meant that if it was good time for that specific fund.

                        Or do you have any tips for a fund I should invest in instead?
                        Tips? No...and if you find someone who does, RUN!

                        What you are looking for is a well managed fund (and, imo, all USAA funds are better than average) with a good track record. Of course, the "well managed" is more important than the track record as all funds will tell you "past performance is no guarantee of future results". Still, the track record is some indicator of the management expertise.
                        "I am sick and tired of people who say that if you debate and you disagree with this administration somehow you're not patriotic. We should stand up and say we are Americans and we have a right to debate and disagree with any administration." - Hillary Clinton, 2003

                        Comment

                        • #13
                          The fund's expense ratio is 1.16%, which is pretty high. Over the course of your investing life, that would take a huge chunk of change from your wallet to manage your money. As a small investor, expenses are your enemy.

                          Index funds are a great way to invest, since they aren't actively managed and thus have low expenses. You're young, so you could take on more risk by getting exposure to the mid-caps, small-caps, and global funds. F.e., IWM is a composite based off the Russell 2000 (small-cap) index. 0.20% expense ratio.

                          IMO, this isn't a great time to be investing in the stock market.

                          Good luck!
                          Last edited by DanS; December 17, 2007, 19:22.
                          I came upon a barroom full of bad Salon pictures in which men with hats on the backs of their heads were wolfing food from a counter. It was the institution of the "free lunch" I had struck. You paid for a drink and got as much as you wanted to eat. For something less than a rupee a day a man can feed himself sumptuously in San Francisco, even though he be a bankrupt. Remember this if ever you are stranded in these parts. ~ Rudyard Kipling, 1891

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                          • #14
                            Originally posted by Apocalypse
                            I just meant that if it was good time for that specific fund.

                            Or do you have any tips for a fund I should invest in instead?
                            You should have an international fund, too.
                            THEY!!111 OMG WTF LOL LET DA NOMADS AND TEH S3D3NTARY PEOPLA BOTH MAEK BITER AXP3REINCES
                            AND TEH GRAAT SINS OF THERE [DOCTRINAL] INOVATIONS BQU3ATH3D SMAL
                            AND!!1!11!!! LOL JUST IN CAES A DISPUTANT CALS U 2 DISPUT3 ABOUT THEYRE CLAMES
                            DO NOT THAN DISPUT3 ON THEM 3XCAPT BY WAY OF AN 3XTARNAL DISPUTA!!!!11!! WTF

                            Comment

                            • #15
                              So I should buy IWM?

                              And Shiva, that fund I mentioned was largely international.
                              "Yay Apoc!!!!!!!" - bipolarbear
                              "At least there were some thoughts went into Apocalypse." - Urban Ranger
                              "Apocalype was a great game." - DrSpike
                              "In Apoc, I had one soldier who lasted through the entire game... was pretty cool. I like apoc for that reason, the soldiers are a bit more 'personal'." - General Ludd

                              Comment

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