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To open the account to start to invest, is only half has put. The most important question – how to choose fund. What branch to buy? To be enclosed in American Mutual funds or to prefer Europe? The answer is simple: it is necessary to buy the best funds (and the best not only on profitableness, but also concerning corresponding indexes, see schedules).

Above already it was said that funds happen the most different and it allows the investor to create well balanced portfolio. You can find the information on funds on numerous financial sites. Here again, certainly, America has again appeared ahead of all. The information on the American funds is on www.smartmoney.com, in sections «finance» large searchers msn.com, yahoo.com, google.com. There you will find the actual statistics on funds, a place of everyone in authoritative ratings, schedules of dynamics of a course of shares, profitableness for the different periods and etc. And here on the European funds the fullest information publishes agency Morningstar – his data uses all investment companies of the world for work (there are sites Morningstar on the separate countries, for example www.morningstar.co.uk (Great Britain), www.morningstar.de (Germany) and etc.

On the specified portals you will choose that is necessary for you. We will tell, attractive the funds investing in securities on which the emitter pays high dividends today seem to me. Fund BlackRock High Yield Bond Inv A concerns their number, for example. Dividendnaja profitableness on him has made 11,85 % annual.

Fund Vanguard REIT Index ETF takes shares of the companies putting in real estate. Investors receive from him and to him similar dividends in 10–25 % annual.

Also it is necessary to pay attention to the funds investing in the action of developing countries. Among these funds the most known and popular are funds BRIC – the funds taking shares of the companies of Brazil, Russia, India, China. If you are excited with rouble devaluation (and she excites me), to get such fund as currency of the given fund is the dollar or euro is better.


Certainly, as well as the Russian PIFS, foreign mutual funds have lost a considerable part of the cost against proceeding crisis. Many funds have fallen to 40–50 % in 2008 (though and not all – some have shown good growth last year). Flight of investors from the share market in highly reliable tools – bonds of the developed countries became the reason. For this reason and also for the reason that in 2008 almost all developed countries have lowered refinancing rates, the state bonds have considerably grown in the price. For example, Rydex Govt Long Bond 1.2x Strategy Inv has grown in 2008 on 37 %. This fund invests only in the state bonds of the USA. Thus for purchase of bonds he sometimes borrows means banks.

It, of course, extremely high profitableness for fund of bonds. This year he «has left in a minus» on 11 %, and the potential of growth at him practically is absent, because the refinancing rate is at a minimum level.

Other fund, Templeton Global Bond A Acc €, has grown for the last half a year on 17 % that also it is a lot of for fund of bonds. This fund less, than previous, and more attractive to investors.