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130                                   Don’t Make Me Say I Told You So




               ►   Although investing in mutual funds can provide
                  diversification and reduce your risk, money invested

                  in mutual funds – even low-risk bond funds – is not
                  guaranteed against loss.


               ►   A proper diversification strategy allocates money not
                  only to different mutual funds, but to mutual funds with

                  different objectives and investment styles.

               ►   With any professionally-managed portfolio, there are
                  costs and fees involved. Know the costs, and know what

                  your net returns are.








































                         Chapter 3: You Must Have Growth In Your Portfolio
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