The role of mutual funds in your plan

A single mutual fund is comprised of about 100 to 150 different stocks, bonds and other assets providing an easy way to maintain the right mix of investments. Your portfolio might contain about five to seven mutual funds, though with balanced funds, you can be well diversified with just a few mutual funds. Such diversification makes mutual funds a popular and common investment vehicle to meet your retirement goals.

Are mutual funds for you?

Mutual funds allow you to own stock in hundreds of companies at once and spread out your risk. Since you don’t need a lot of money to get started (most funds let you buy shares with as little as $2,500), it’s a great way to use the power of the stock market to build your savings. Some mutual fund companies will even allow you to start with as little as $25 per month.


There are generally three primary categories of mutual funds: equity, fixed income and money market. Often, a diversified portfolio will include a mix of three.

Why United Wealth Management

We take the time to get to know you and understand where you want to go. It’s a partnership that empowers you.
Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective.

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Education and tools

A few simple resources, like market information and calculators, can make managing your money so much easier.