I have had 12+ % returns. Many American Funds "R" shares will do it. SGRNX, FCNTX, RWMFX, RIDFX, PAMCX, FARCXthats from Arizona State Deferred Compensation-- all at, above, or really close to 12%
Quote from: jengod on May 29, 2015, 10:30:43 PMQuote from: Wolf359 on May 26, 2015, 03:16:01 PMQuote from: Wolf359 on May 20, 2015, 06:15:43 PMGrowth is a mutual fund made up of growth stocks. Aggressive growth are midcap growth stocks. Growth and Income is what we would call a blend of growth stocks and dividend stocks. International is self-explanatory. Correction: I found a statement where he clarifies: growth stocks are mid-cap stocks. Growth and income are large-cap stocks. Aggressive growth are small-cap stocks. International is international stocks. Thank you for translating this in a way that make sense to me. I have always found these terms somewhat bewildering.He uses 12% rate of return as a motivator to convince people to invest in retirement funds at all, which some people seem bound and determined to avoid, but is probably the laymen's most straightforward path to wealth.I think much of the above definitions are incorrect. 'Growth' means stocks that are expected to have high capital appreciation. It has little to do with size. They generally are considered higher quality companies, and therefore have higher P/E rations. A simple explanation is that growth stocks are more highly-priced 'glamor' stocks, and value stocks are the 'dogs' that no one wants, and therefore might be undervalued (but also more likely to fail). Small, medium, and large refers to the relative capitalization of the company, and nothing more. There are small value stocks, and small growth stocks. There is no such thing that I know of as an 'income stock fund.' There are dividend stock funds, and many of the stocks in that fund will be value stocks. Value stocks are more likely to pay dividends, but not all do. An income fund is focused on current income, and so will have a lot of instruments that are not stocks, like bonds and debt instruments, as well as dividend-paying stocks.Here's a good place to start learning: http://www.bogleheads.org/wiki/Stock_basicsIn general, most people make a mistake trying to 'slice and dice' the market by picking 'tilts' towards different sectors or stock classes. Realize it is mostly noise, and it's a great way to screw yourself. Over time any given sector is likely to revert to the mean (i.e., end up with the same return as the whole market together). The average investor reads that, for example, that large cap growth stocks have done well, and invests in such a fund just when that sector starts to under perform the rest of the market. That's how I invested for years, looking at the past 3-5 years return to pick what fund to get into. I always underperformed the market. I finally wised up and just put my money into Vanguards total stock market index. Just admit you're not smarter about this than the rest of the world of investors, invest in the entire market, and stay the course.
Quote from: Wolf359 on May 26, 2015, 03:16:01 PMQuote from: Wolf359 on May 20, 2015, 06:15:43 PMGrowth is a mutual fund made up of growth stocks. Aggressive growth are midcap growth stocks. Growth and Income is what we would call a blend of growth stocks and dividend stocks. International is self-explanatory. Correction: I found a statement where he clarifies: growth stocks are mid-cap stocks. Growth and income are large-cap stocks. Aggressive growth are small-cap stocks. International is international stocks. Thank you for translating this in a way that make sense to me. I have always found these terms somewhat bewildering.He uses 12% rate of return as a motivator to convince people to invest in retirement funds at all, which some people seem bound and determined to avoid, but is probably the laymen's most straightforward path to wealth.
Quote from: Wolf359 on May 20, 2015, 06:15:43 PMGrowth is a mutual fund made up of growth stocks. Aggressive growth are midcap growth stocks. Growth and Income is what we would call a blend of growth stocks and dividend stocks. International is self-explanatory. Correction: I found a statement where he clarifies: growth stocks are mid-cap stocks. Growth and income are large-cap stocks. Aggressive growth are small-cap stocks. International is international stocks.
Growth is a mutual fund made up of growth stocks. Aggressive growth are midcap growth stocks. Growth and Income is what we would call a blend of growth stocks and dividend stocks. International is self-explanatory.
