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'' OUR MISSION   //    '' OUR VISION   //  '' OUR VALUE   //   '' OUR EXPECTATION   //   ''  SUCCESS STATEMENT  //
We at knowledge financial
group –
knowledgefinancialgroup.com  
// we empower consumers to
take more control over their
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Advice of Knowledge Financial
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Investing: One of the first things we learn
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Wealth Builders  
Turning your assets into wealth requires
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Knowledge Financial
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Invest Confidently

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To help you invest confidently, we
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Wealth Protection – Wealth
protection is the process of taking steps
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Alternative investment allocations have the
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Your Financial Future

As always from time to time economic
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Financial Knowledge is power, and a
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'' Things You Need To Know
About Financial Statements ..
Knowing how to work with the numbers in a company's
financial statements is an essential skill for stock investors.

The meaningful interpretation and analysis of balance sheets,
income statements and cash flow statements to discern a
company's investment qualities is the basis for smart
investment choices.

However, the diversity of financial reporting requires that we
first become familiar with certain general financial statement
characteristics before focusing on individual corporate
financials. In this article, we'll show you what the financial
statements have to offer and how to use them to your
advantage.


Advanced Financial
Statement Analysis

1. Financial Statements Are
Scorecards

There are millions of individual investors worldwide, and
while a large percentage of these investors have chosen
mutual funds as the vehicle of choice for their investing
activities, a very large percentage of individual investors are
also investing directly in stocks.

Prudent investing practices dictate that we seek out quality
companies with strong balance sheets, solid earnings and
positive cash flows.

Whether you're a do-it-yourself or rely on guidance from an
investment professional, learning certain fundamental
financial statement analysis skills can be very useful - it's
certainly not just for the experts.

The same thing could be said today about a large portion of
the investing public, especially when it comes to identifying
investment values in financial statements
12 common financial
statement characteristics to
keep in mind before you start
your analytical journey.


2. What Financial Statements
to Use
For investment analysis purposes, the financial statements
that are used are the balance sheet, the income statement,
the cash flow statement as well as shareholders' equity and
retained earnings.

A word of caution: there are those in the general investing
public who tend to focus on just the income statement and
the balance sheet, thereby relegating cash flow
considerations to somewhat of a secondary status.

That's a mistake; for now, simply make a permanent mental
note that the cash flow statement contains critically important
analytical data. (To learn more, check out Reading The
Balance Sheet, Understanding The Income Statement and The
Essentials Of Cash Flow.)
---------------------

3. Knowing What's Behind the
Numbers

The numbers in a company's financials reflect real world
events. These numbers and the financial ratios/indicators that
are derived from them for investment analysis are easier to
understand if you can visualize the underlying realities of this
essentially quantitative information.

For example, before you start crunching numbers, have an
understanding of what the company does, its products and/or
services, and the industry in which it operates.

4. The Diversity of Financial
Reporting

Don't expect financial statements to fit into a single mold.
Many articles and books on financial statement analysis take a
one-size-fits-all approach.

The less-experienced investor is going to get lost when he or
she encounters a presentation of accounts that falls outside
the mainstream or so-called "typical" company.

Simply remember that the diverse nature of business
activities results in a diversity of financial statement
presentations.

This is particularly true of the balance sheet; the income and
cash flow statements are less susceptible to this
phenomenon.
Things You Need To Know
About Financial Statements ..

''#9. Financial Ratios and
Indicators


The absolute numbers in financial statements
are of little value for investment analysis, which
must transform these numbers into meaningful
relationships to judge a company's financial
performance and condition.

The resulting ratios and indicators must be
viewed over extended periods to reflect trends.
Here again, beware of the one-size-fits-all
syndrome. Evaluative financial metrics can differ
significantly by industry, company size and stage
of development.
-----------------

10. Notes to the Financial
Statements

It is difficult for financial statement numbers to
provide the disclosure required by regulatory
authorities. Professional analysts universally
agree that a thorough understanding of the
notes to financial statements is essential in
order to properly evaluate a company's financial
condition and performance.

As noted by auditors on financial statements
"the accompanying notes are an integral part of
these financial statements."
Take these noted comments seriously. (For
more insight, see Footnotes: Start Reading The
Fine Print.)
---------------

11. The Annual Report/10-K

Prudent investors should only consider
investing in companies with audited financial
statements, which are a requirement for all
publicly traded companies.

Perhaps even before digging into a company's
financials, an investor should look at the
company's annual report and the 10-K.

Much of the annual report is based on the 10-K,
but contains less information and is presented
in a marketable document intended for an
audience of shareholders. The 10-K is reported
directly to the SEC and tends to contains more
details.

Included in the annual report is the auditor's
report which gives an auditor's opinion on how
the accounting principles have been applied.

A "clean opinion" provides you with a green
light to proceed. Qualifying remarks may be
benign or serious; in the case of the latter, you
may not want to proceed.
--------------

12. Consolidated Financial
Statements

Generally, the word "consolidated" appears in
the title of a financial statement, as in a
consolidated balance sheet. Consolidation of a
parent company and its majority-owned (more
that 50% ownership or "effective control")
subsidiaries means that the combined activities
of separate legal entities are expressed as one
economic unit.

The presumption is that a consolidation as one
entity is more meaningful than separate
statements for different entities.

--------------
Finally

The financial statement perspectives provided
in this overview are meant to give readers the
big picture.

With these considerations in mind, beginning
investors should be better prepared to cope
with learning the analytical details of discerning
the investment qualities reflected in a
company's financials.
''''' Financial statement

A financial statement (or financial report) is a formal
record of the financial activities and position of a
business, person, or other entity.

Relevant financial information is presented in a
structured manner and in a form easy to understand.
WHY YOU SHOULD HAVE
A LIFE INSURANCE
POLICY?

WHAT ARE THE FEATURES, ADVANTAGES,
AND BENEFITS OF LIFE INSURANCE WHILE
ALIVE AND AFTER DEATH?
-------------
KNOWLEDGEFINANCIALGROUP.COM

1. Replace income for
dependents
If people depend on your income, life
insurance can replace that income for them
if you're no longer present.  Assure your
family a better future. Pay college for kids,
Pay the Debts.

South FLORIDA, CALL THE REPRESENTATIVE
FOR A FREE QUOTE  

Most importantly for  parents with young
children. However, it can also apply to
couples in which the survivor would be
financially stricken by the income lost
through the death of a partner, and to
dependent adults.
------------
KNOWLEDGEFINANCIAL.COM

2. Pay final expenses
Life insurance can pay your funeral and
burial costs, probate and other estate
administration costs, debts, taxes, bills,
college for kids,  and medical expenses not
covered by health insurance.
---------
SOUTH FLORIDA, CALL ANTHONY THE
INSURANCE REPRESENTATIVE

-In Life There Are -2- Two Things: Whether
You Live Older,
or You Die Younger.
Be Properly Protected Just in Case if You
Die Younger to Minimize the Financial
Trouble for Your Love One.
KNOWLEDGEFINANCIALGROUP.COM

Avoid Your Love One From
Calling Friends, and other
Family Members for
Contribution. Protect Your
Dignity!

Avoid Your Love One From
Going to Radios, Television to Beg for
Help. Create the Peace of Mind You
Deserve!

     -- KNOWLEDGEFINANCIALGROUP.COM

3. Life Insurance Can Help You
Stop your family, Your love one
from crying twice. #1- Because you
gone,
#2 Because of the problems, Financial
trouble you left behind.

In life there are -2- two things: whether you
live older, or you die younger.
Be Properly protected just in case if
you die younger to minimize the
financial trouble for your love
one.

4. Create an inheritance for
your heirs
Even if you have no other assets to pass to
your heirs, you can create an inheritance by
buying a life insurance policy and naming
them as beneficiaries.
-----------------
KNOWLEDGEFINANCIALGROUP.COM


South FLORIDA, CALL THE REPRESENTATIVE
FOR A FREE QUOTE WITH NO OBLIGATION


5. Create the money needed to
Pay federal “death” taxes and
state “death” taxes
Life insurance benefits can pay estate
taxes so that your heirs will not have to
liquidate other assets or take a smaller
inheritance.
-----------------
knowledgefinancialgroup.com

6. Create a source of savings
Some types of life insurance create a cash
value that  can be borrowed or withdrawn
on the owner’s request. --

South FLORIDA, CALL THE REPRESENTATIVE
FOR A FREE QUOTE NO OBLIGATION


--Even better if you buy term
life insurance not expensive but very
good and invest the difference. At
withdrawal;  you don't have to borrow, or to
pay interest charges. The plan pays you
interest.

Since most people make paying their life
insurance policy premiums a high priority,
buying a cash-value type policy can create
a kind of “forced” savings plan.

Furthermore, the interest credited is tax
deferred (and tax exempt if the money is
paid as a death claim).

--But Term Life Insurance With a Separate
Investment Plan is the Best.
BUY THE LOW COST TERM, AND INVEST THE
DIFFERENCE AT HIGHER INTEREST RATE,
BECOME FINANCIALLY INDEPENDENT.

South FLORIDA, CALL THE REPRESENTATIVE
FOR A FREE QUOTE
-----------------
KNOWLEDGEFINANCIALGROUP.COM


7. ADVANTAGE OF LIFE INSURANCE

Accelerated Death Benefit -
ADB-- Provision
KNOWLEDGEFINANCIALGROUP.COM--
EXPLAINS

A benefit that can be attached to a life
insurance policy that
enables the policy holder to receive cash
advances against
the death benefit in the case of being
diagnosed with a
terminal illness.
RECEIVE BIG CASH WHILE SICK &  ALIVE.  
ISN'T IT A GREAT THING?
--------------
KNOWLEDGEFINANCIALgroup.COM


8. ADVANTAGES & BENEFITS OF LIFE
INSURANCE

Waiver Of Premium
Provision
KNOWLEDGEFINANCIALgroup.COM--
EXPLAINS:

A clause in an insurance policy that waives
the
policyholder's obligation to pay any further
premiums should
he or she become seriously ill or disabled,
terminally ill.

A waiver of premium allows people to
benefit from an insurance policy,
even when they cannot work.  
SO WHY NOT HAVING A LIFE INSURANCE
POLICY? ---

South FLORIDA, CALL THE REPRESENTATIVE
FOR A FREE QUOTE  
www.knowledgefinancialgroup.com  

9- Life Insurance can allow you to create
inheritance for yourself if you buy life
insurance on your parents.

10- Life Insurance
gives you peace of mind,
-- "WORRY LESS"

11- TAX ADVANTAGES, OHHH YES LIFE
INSURANCE HAS A LOT OF TAX ADVANTAGES
TO PROFIT FROM...

SEE BELOW THE PAGE!



- Only Life Insurance can do
all of these things!!!
Establish Financial Security,
Cover and protect you, your
family, why not your parents...
knowledgefinancialgroup.com
Do you or your family have a
good insurance policy? If Not,
CONTACT Anthony

A Representative Of  A Great  
Financial Services COMPANY
Can  help you & your family be
properly protected.

South Florida, Talk to Anthony  
New opportunities are only a
phone call away.
HELP PROTECT YOUR FAMILY
WITH AFFORDABLE TERM LIFE
INSURANCE. GREAT PLAN -
GREAT PRICE, WITH AN
EXCELLENT COMPANY.
SOUTH  FL. CONTACT
ANTHONY FOR MORE INFO...
''A Life Insurance Plan  Is
Available For Every Wallet;
Low Cost Premium, Very
Affordable Plan With A Great
Company.      For More Info,
South FL. CONTACT
ANTHONY

<Be Properly Protected With
a Good Life Insurance
Policy> Available At
Very Low Rates,
-''Child Term Rider
Every Kids Cover
Under Parents,  
''Disability Waiver of
Premium In Case You
Become Disable, No
More Payments.
''No physical exam
required ***
EXCELLENT LIFE
INSURANCE PLAN:
BEST PRICES, WITH
THE BEST COMPANY.
LEARN MORE..
CALL A
REPRESENTATIVE AT:
Knowledge Financial Group, we are committed
to developing a closer relationship with clients.

We want to provide you with better service, more
useful resources and relevant educational
information to help you achieve your personal
and financial goals.

At knowledge financial group –
We have the knowledge and skills to get you
there.
Knowledge Financial Group; Because Money
Doesn’t Come With Instructions, dealing with
finances can be intimidating.

That's why we take the time to listen, learn every
individual  goals and then make
recommendations.
Knowledge Financial is helping induviduals, organizations, institutions empower people with
financial knowledge

Knowledge Financial Group - Knowledgefinancialgroup.com achieves excellent results through our
presentations

Experience
We combine expertise in education, finance, economics, insurance, investing, budgeting, real
estate, taxes,

Innovation
Our creativity has produced evidence-based solutions that have become the global standard in
financial education

Commitment
We carry a passion for the transformative power for financial literacy to lift up individuals, families,
communities, and entire economy because the more you know, the more you make, the less you
spend, the more you save, the better you invest and the richer you'll become.  
Financial Literacy        
Visionone Capital Management - FACEBOOK.COM/VISIONONECAPITAL        

To be financially literate is to know how to manage your money. This means learning how to pay your bills, how to borrow and save money responsibly,
and how and why to invest and plan for retirement.

Take the initiative to self-educate and grow your financial knowledge, by beginning with the basics of money management and maturing
into a smart spender. Putting time into your financial development improves saving and investing decisions.

By leveraging resources at Femkonsa Capital Investment -FACEBOOK.COM/FEMKONSA —
-------

Financial Wellness - Fruital Investment Group And Wealth Management is there to help people take charge of their finances.

financial wellness is very necessary for excellent productivity and happier lifestyle.

Finances are the number one source of daily stress for U.S. adults, and more than half of American households do not have a long-term
financial plan1. Financial stress distracts employees and can hurt the bottom line. Distraction, driven by financial distress, lowers
productivity -

FRUITALINVESTMENT.BLOGSPOT.COM

Learn about finance principles that are relevant to your situation including personal finance and retirement strategies with Knowledge Financial Group
And Wealth Management.. = FRUITAL INVESTMENT GROUP - FACEBOOK.COM/FRUITAL

Financial Wellness : Increased employee satisfaction, productivity and engagement ---


Motivate people to take action - With financial wellness you can
empower yourself, your family to become more financially secure -

Increased 401K contributions and decreased withdrawals
----------
What Do You Need to Know About Financial Literacy?
Financial Literacy? VISIONONEHOLDING.BLOGSPOT.COM

Find out how the typical American handles money:

Nearly four out of every five U.S. workers live paycheck to paycheck.

Over a quarter never save any money from month to month.         

Almost 75% are in some form of debt, and most assume they always will be
f you’ve spent any time reading up on education or financial news lately, you’ve probably come across the term financial literacy. The goal behind
teaching financial literacy is to help people develop a stronger understanding of basic financial concepts

Remember that:
April as Financial Literacy Month to “raise public awareness about the importance of financial education in the United States and the serious
consequences that may be associated with a lack of understanding about personal finances.

Managing your money is a personal skill that benefits you throughout your life – and not one that everybody learns. With money coming in and going out,
with due dates and finance charges and fees attached to invoices and bills and with the overall responsibility of making the right decisions about
major purchases and investments consistently – it’s daunting.


You would think that because the stakes are so high that this would be a skill that gets taught in high school (or even before), but that’s
not the case. Managing your own money requires a fundamental understanding of personal credit and a willingness to embrace personal
responsibility. -VISIONONE HOLDING COMPANY - FACEBOOK.COM/VISIONONEHOLDING -

You budget. You save. You protect your savings. When you spend, you spend wisely. When you make big purchases, you do so for things that are
worthwhile. FACEBOOK.COM/ZONEBUSINESS

You understand the difference between good debt and bad debt. And you constantly pay attention to your overall portfolio — earnings, savings
and investments. - BUYHEREMARKET ENTERPRISE - BUYHEREMARKET.BLOGSPOT.COM
VISIONONE HOLDING COMPANY -
WWW.FACEBOOK.COM/VISIONONEHOLDING
Easy-to-use tools and resources.  

Our financial tools, calculators are designed to help you
improve your financial wellbeing and make long-term
investment decisions with more confidence. =
WWW.VISIONONEHOLDING.BLOGSPOT.COM  
======
-By the chief investment officer of: VISION GAS
COMPANY - VISIONGAS INVESTMENT LLC -
WWW.FACEBOOK.COM/VISIONGAS
---------
The help you need is right here at Knowledge
Financial Group -
www.knowledgefinancial.blogspot.com  ----

Awesome blogs, very instructive and very
informative!
WWW.BUYHEREMARKET.BLOGSPOT.COM   
AND

WWW.KNOWLEDGEFINANCIAL.BLOGSPOT.COM
-----------
Information provided in this document or in or
websites, socialmedia pages is for informational
and educational purposes only.
To the extent any investment information in this
material is deemed to be a recommendation,

it is not meant to be impartial investment advice
or advice in a fiduciary capacity and is not
intended to be used as a primary basis for you or
your client's investment decisions.  
Index Funds vs. ETFs: There
are strengths and
weaknesses in both... Index
Funds are passive
investment..

Passive investments are not
designed to outperform the
market or a particular
benchmark index, and this
removes manager risk— and
has lower fee, lower expense
ration.

ETF vs. Index Fund:
Understanding the
Differences Should you buy an ETF or an
index fund? An ETF is best for you if you're an active
trader, or simply like to use more advanced strategies
in your purchases.

Since ETFs are bought and
sold on exchanges like stocks
INDEX FUNDS: Buy an index fund if your
broker charges high commissions on your
purchases and you want to be fully invested at all
times.

In some cases you may be able to start investing in
index funds with a lower minimum than for its
equivalent ETF.Index funds are also a great option
when the equivalent ETF is thinly traded, creating a
large spread in the difference between the ETF
price on the exchange and the value of the
underlying assets held by the ETF.

An index fund will always price at the net asset value.
Always be sure to compare the fees to ensure
you're not paying too much of a premium for your
choice.Benefits of index funds Broad diversification

The most obvious benefit of investing in index funds
is that your portfolio becomes instantly... Low costs
An expense ratio is an annual fee that all mutual
funds, including index funds, charge their
shareholders,... Solid returns
-------------

ETFs and index funds are very similar, but a few
small differences can mean a lot to investors.
--------------
1. Fees and expenses...
The primary difference
between ETFs and
index funds . Cost Effectiveness - It's
easy for investors to save money with ETFs. Since
there is only one transaction per trade, you'll avoid
the accumulation of commission fees that can occur
when you're adding a basket of stocks to your
portfolio
---------
2. Dividend distributions
compound the issue of the differences
between how ETFs and index funds are bought and
sold.

Dividends paid by index mutual funds can be
automatically invested (fee-free!) into more shares
of the fund. - INDEX FUNDS HAVE NO DIVIDEND
REINVESTMENT.

Immediate Dividends
Most ETFs distribute dividends as a stock would.
You'll get a quarterly dividend payment dropped into
your brokerage account. In the case of traditional
mutual funds, the time frames may vary.

Many mutual funds distribute dividends annually,
rather than quarterly
---------
3. Minimum investments...You can
invest in an ETF by buying as little as one share,
which used to be the easiest way to start investing
with very little capital.
That said, several fund managers have lowered
their minimum investments for their most popular
index funds, so these days you can get started with
a relatively small amount of money.
----------------
4. Tax differences - ETF TaxesIf you've
researched ETFs at all, you've probably seen them
referred to as a "tax-friendly" investment. When
compared to traditional mutual funds, this is
generally true

.4 Mutual funds are typically
more actively traded than
ETFs, and each trade invites an opportunity for
capital gains taxesLong-term investors who are
saving for retirement should use tax-advantaged
retirement accounts such as 401(k)s and IRAs.

I say this not just because it's smart -- because we
all know minimizing taxes means more money left in
your pocket -- but also because it means you can
completely ignore the complicated details of the tax
consequences of investing in different types of
funds.

That said, index funds and ETFs are both extremely
tax efficient -- certainly more tax efficient than
actively managed mutual funds.
------------
5. LiquidityLiquidity, or the ease with
which an investment can be bought or sold for cash,
is an important differentiator between ETFs and
index funds.

As previously mentioned, ETFs are bought and sold
like stocks, meaning you can buy or sell them
anytime the stock market is open.On the other
hand, index fund transactions (like those of all
mutual funds!) are cleared in bulk after the market
closes.
Thus, if you put in an order to sell shares of an
index fund at noon, the transaction will actually take
place hours later at a price equal to the value of the
fund at market close.

------
6.  Derivatives: For those who like to use
options, swaps, and futures contracts as tools for
risk management, they have that option with ETFs.
Whether you want to hedge your ETFs with calls
and puts or trade ETF volatility with option
straddles, you will likely find an ETF with that
flexibility.

Also, be aware that sometimes options and futures
are included in an ETF's holdings.5 Derivatives
aren't usually included in passive index ETFs, but
they are commonplace in leveraged and inverse
ETFs.
----------

7.  Passive Management ..While
some ETFs are actively traded, many are passively
managed. Passive ETFs replicate a particular index
or benchmark without seeking to outperform it
(although that can happen on occasion). Therefore,
only minor adjustments are needed for the ETF
---------
8. Transparency...This is a great benefit
because you know what you own at all times. That is
to say, you always know the underlying securities in
an exchange traded fund. In contrast, mutual funds
report their holdings once a quarter.

This advantage may not be critical to many
investors of index funds, but it can be an important
consideration for those considering an actively
managed mutual fund
.---------
9. Trading... This advantage is not important
for long-term buy and hold investors. It’s critical,
however, for more active traders. With ETFs, just
like stocks, you can enter and exit an ETF during
the day to obtain a more favorable price.

With ETFs you can use options strategies (such as
covered calls), buy on margin and short  The
trading of ETFs raises a related issue.

ETFs almost never sell at
exactly the value of all the
underlying stocks in the fund. If
the ETF sells for more than the value of the bundle
of stocks it holds, it’s said to be selling at a premium.
If it sells for less, it’s said to be selling at a discount ..
------------Advantages of ETFs... Diversification. One
ETF can give exposure to a
group of equities, market segments, or
styles. An ETF can track a... Trades Like a Stock.
Although the ETF might give the holder the benefits
of diversification, it has the trading...

Lower Fees. ETFs, which are passively managed,
have much lower expense ratios compared to
actively managed funds, which...
Actively Managed Funds Often Lose to
Index Funds A top-performing actively
managed fund might do well in the first
few years. It achieves above-average
returns, which attracts more investors.

Then the assets of the fund grow too large to manage as well as
they were managed in the past, and returns begin to shift from
above-average to below-average.

By the time most investors discover a top-performing mutual
fund, they've missed the above-average returns.Remember
Always The Expense Ratios Passive investments such as index
funds and ETFs have extremely low expense ratios compared to
actively managed funds.
-------------
Differences Between Index Funds and ETFs Lower expense
ratios can provide a slight edge in returns over index funds for
an investor, at least in theory. ETFs can have higher trading
costs, however.Let's say that you have a brokerage account.

You'll pay a trading fee of around $8 if you want to trade an ETF,
whereas an index fund tracking the same index might have no
transaction fee or commission.
---------  
Advantages of ETFs vs. Index Funds ETFs trade intra-day, like
stocks. This can be an advantage if you're able to take advantage
of price movements that occur during the day.You can buy an
ETF early in the trading day and capture its positive movement if
you believe the market is moving higher and you want to take
advantage of that trend  The Effect of the Spread...

Part of the tradable aspect of ETFs is the "spread," the
difference between the bid and ask price of a security The
Vanguard Total Bond Market Index Inv (VBMFX) has historically
outperformed
---------
ETF'S - EXHANGED TRADED FUNDS CONCERNS:  The popularity of
ETFs might not be directly correlated to their practicality.16
The ability to trade an index like stocks also creates a temptation
to trade, which can encourage potentially damaging investing
behaviors such as poor market timing and frequent trading
increases expenses.
Choosing between index funds and ETFs is a matter of selecting
the appropriate tool for the job.

A regular old hammer might effectively serve your project's
needs, whereas a staple gun might be the better choice. The two
tools are similar, but they have subtle yet significant differences
in application and usage.
An investor can wisely use both. You might choose to use an
index mutual fund as a core holding and add ETFs that invest in
sectors as satellite holdings to add diversity.

If you want to bet on the fortunes of pharmaceutical stocks or
reginal banks, there’s an ETF for you. If you want to play the real
estate market, there are multiple ETFs available for that purpose,
investing in either domestic or international real estate.

If you want to bet on companies that might find a cure for cancer
or invest only in companies that don’t do business in Somailia,
there’s an ETF for you.

If you want to bet on companies known for innovation, ones that
are leaders in their field, or ones that are followed by only a small
number of analysts, there’s an ETF for you,

The technology sector, the energy sector, the utility sector, the
retail sector, the communication sector etc. There is an ETF FOR
EVERYTHING ON THE MARKET. ---------------
Cheapest S&P 500 Index Funds... Schwab S&P
500 Index (SWPPX): The expense ratio is 0.02%, or $2 for every
$10,000 invested.

There is no minimum initial investment.3Fidelity 500 Index (FXAIX): The
expense ratio is also 0.015%.

There is no minimum initial investment Vanguard 500 Index Fund
(VFINX), which has an expense ratio of 0.14%
------------

Cheapest Large Growth Stock Index
Funds
Large growth index funds usually track the Russell 1000 Growth index,
the Nasdaq Composite or the Nasdaq-100. These are investing in the
largest U.S. company growth stocks by market capitalization.

Therefore, with these funds, you'll get many of the same stocks as in
S&P 500 index funds, but these will be only growth stocks, which tend
to be more aggressive. Vanguard Growth Index (VIGRX):

The expense ratio is 0.17% or $17 for every $10,000 invested. The
minimum initial investment is $3,000.6Fidelity NASDAQ Composite
Index (FNCMX): The expense ratio is 0.3%, or $30 for every $10,000
invested. There is no minimum initial investment.---------

--------------
Large Value Stock Index Funds...  Value
stocks are often those that are underappreciated in the market and
therefore selling at a discount. Mutual funds that pay dividends are
often considered to be value funds.
-------------
Value stock index funds typically track the Russell
1000 Value index or the S&P 500 Value index. Here are two of the
cheapest large value stock index funds:Vanguard High Dividend Yield
Index (VHDYX):

The expense ratio is 0.15% or $15 for every $10,000 invested, and the
minimum initial investment is $3,000.8Vanguard Value Index (VIVAX):
The expense ratio is 0.17% or $17 for every $10,000 invested, and the
minimum initial investment is $3,000. Value funds can be good for
investors looking for long-term growth or investors looking for current
income.

You can reach the initial investment requirement of $3,000 for their
"Admiral" share class (ticker: VFIAX), you get the cheapest S&P 500
index fund with an expense ratio of 0.04%.
=================
Cheapest Mid-Cap Stock Index
Funds As with large-cap index funds, investors can find mid-cap stock
index funds that track a growth index, a value index, or an index that
blends the two styles - Such as the S&P MidCap 400 index or the
Russell Mid Cap Index,

which will include a blend of both growth and value. Vanguard Mid Cap
Index (VIMSX): The expense ratio is 0.17% or $17 for every $10,000
invested, and the minimum initial investment is $3,000.11Mid-cap
stocks typically carry more market risk than large-cap stocks, but they
tend to perform better in the long run. And mid-caps generally have
less market risk than that of small-cap stocks but can perform just as
well.

Therefore mid-caps fall in a "sweet spot" of investing that can be
appropriate for long-term investors willing to take more risk for higher
potential returns
.-------------

Cheapest Small Cap Stock Index Funds
...  index funds that track an index that blends both the growth and
value styles. These index funds will track small-cap indices like the
Russell 2000 Index or the S&P SmallCap 600 index.  Schwab Small
Cap Index (SWSSX):

The expense ratio is 0.04% or $4 for every $10,000 invested, and
there is no minimum initial investment.13Small-cap stocks are riskier
than large- and mid-cap stocks, but they can deliver superior returns in
the long run, especially if you can keep expenses low.
---------------
International Stock Index Funds....  Here are
two of the cheapest mutual funds tracking foreign stock indices:
Vanguard Total International Stock Index (VGTSX):

The expense ratio is 0.17% or $17 for every $10,000 invested, and
there is no minimum initial investment.14Schwab International Index
Fund (SWISX):

The expense ratio is 0.06% or $6 for every $10,000 invested, and
there is no minimum initial investment.15International stock index funds
are a smart and convenient way to capture the entire market outside of
the United States market.
A diversified portfolio of mutual funds will usually include international
stocks.
---------------
Bond Index Funds...There are many different kinds of
bond index funds, but the best and most common are those that
capture the entire U.S. bond market. Vanguard Total Bond Index
(VBMFX):

The expense ratio is 0.15% or $15 for every $10,000 invested, and the
minimum initial investment is $3,000.17Northern Bond Index (NOBOX):
The expense ratio is 0.15% or $15 for every $10,000 invested, and the
minimum initial investment is $2,500----------------
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