Mutual Funds/Expert Profile


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I can answer detailed questions regarding mutual fund investing, retirement planning, education planning and related financial planning/investment issues. I have a B.S. degree in Financial Planning & Counseling. I am also a Certified Financial Planner practitioner and have performed fee only investment management and financial planning services for the past 11 years.

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Kenneth11/07/11101010Thanks for the follow-up reply!
Kenneth11/07/11101010Thanks for the reply and answer!
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Recent Answers from John D Smith, CFP

2011-12-01 expense ratio:

Hi. Expenses ratios arent technically subtracted from your account. Instead, the performance you achieve from a fund is net of the internal expenses used to operate the management of the fund. So, if a

2011-11-05 Annual Returns:

Hi. The annual return calculation is a somewhat complicated one that can be determined using a financial calculator, however, the following manual calculation in this instance will also work:    1.053*1

2011-10-20 tax implications of transfer of mutual funds to surviving spouse:

Hi. Under US tax law there are no income tax consequences when you transfer in kind investment from one person to another. When the transfer occurs between married persons there is a step up in cost basis

2011-10-19 calculating interest:

Hi Fritz,    Unfortunately your calulation is not entirely accurate. The reason being is that the average balance is not $78000. The accurate performance calculation needs to take into account the cash

2011-07-08 Mutual Funds:

Hi. No load means there is no sales commission charged for purchasing or buying the shares. Depending on where you buy and sell through there may be a trading fee, however, there is no commission paid

 

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