Mutual Funds: The Real Deal!
By Dr. Jason Perkins, Ph.D. 
Mutual funds were created around the idea that, with help, the average citizens can hold significant stock portfolios that are well diversified, and profit from many different sectors.
There are hundreds, if not thousands of mutual fund choices, and all of them rely on the same principles. Give one amount, have a relative position in dozens of different companies over many different sectors. This is really diversified investing at it's finest.
When investing in mutual funds, you can choose your own path. There are funds ranging from the aggressive, to the passive investor, and everything in between. You can even split your money between aggressive and passive, within the same mutual fund in some cases.
The more aggressive the fund, the bigger the rewards, but they also hold risks of bigger losses. The passive fund is slow but steady growth year after year.
Most mutual funds don't have the risk of losing money, as they are largely diversified. You do however, risk mediocre gains in a slow market.
With a mutual fund, you can expect 4-10%+ gains any given year depending on the fund. Research these heavily, because some funds return more than others. You can track any fund that is available before investing.
