KhaJem Financial Group offers a comprehensive range of  investment options that includes more than 2,700 mutual funds from more than 100 mutual fund companies.

This competitive offering is supported by proprietary analysis and professional advice to help investors select the most appropriate funds for their investment strategy.

Retirement Strategies
Most people realize that a substantial nest egg of money is required to retire. In addition, most people also understand that they will not be able to retire on their Social Security benefits alone.

• According to the 2003 Social Security Board of Trustees report, the  average Social Security retirement benefit in 2003 was less than $900 a month.

Retirement is an exciting and wonderful time of life, though it is all too often overshadowed by the fear and anxiety of financial stability. KFG can help you to alleviate that fear and better understand what your unique needs are to have a financially secure retirement.

Click here to contact a KFG affilliate in your area that can help you to assess your specialized retirement needs.

Mutual Funds
A mutual fund is a pool of investments managed by an investment firm using a variety of instruments such as stocks, bonds, or government securities. When one purchases shares of a mutual fund, the investment firm (not the individual investor) is responsible for the day-to-day investment activity of the securities within that fund.

There are a variety of different types of mutual funds available today, ranging from balanced funds, bond funds, blue chips, small caps, foreign funds, and more. Each mutual fund is very different in its make-up and philosophy, for instance some funds own hundreds of different securities, while others may own only a few dozen.

Mutual fund companies do not guarantee returns and investors need to be aware that there is the potential for negative portfolio or market performance that can lead to the loss of money in mutual fund investments. An investor should look
for funds with objectives and risk levels that match those of his/her financial strategy. Some of the main benefits of investing in mutual funds include:

Instant Diversification
Many have heard the phrase, “don't put all of your eggs in one basket.” In a mutual fund, investor monies are spread across a variety of different securities investments. By investing in mutual funds, as opposed to individual securities, the account growth or loss is based upon a group of different investments,
rather than the performance of a single security.

Professional Management
By investing in mutual funds, the investor is not involved in the evaluation and maintenance of the underlying portfolio investments. Instead, the day-to-day decisions of each fund are handled by experienced, professional money managers.

Lower fees and Expenses
Mutual funds provide economies of scale. Because mutual funds pool the resources of many investors, the fees per share passed on to each individual investor from purchasing the underlying securities in a mutual fund are often
less than if they would purchase the same individual securities on their own.

Convenience
Dividends and capital gains can be used to purchase additional shares, facilitating growth to an investor's portfolio.

Automatic Investment Planning
Commonly, investors are able to set up a dollar cost averaging (10) plan with their bank or brokerage account to invest a set amount each month into the mutual fund of their choice.

KFG has relationships with many of the top mutual fund providers in the country.

Click here to schedule a consultation to learn more about mutual funds and to discuss whether a mutual fund investment is right for you.

Annuities
An annuity is a retirement planning tool designed to protect against the risk of outliving one's financial resources. Annuities are one of the few investment vehicles that allow your money to grow tax deferred.

There are three basic types of policies in which most annuities can be categorized: Fixed, Variable, and Equity Indexed Annuities. These categories specify how the funds in each policy are invested.

In a Fixed Annuity, the policy cash value earns a pre-determined and fixed rate of return throughout the accumulation period. The policyholder is then guaranteed a fixed dollar pay-out when he/she annuitizes the policy and begins to receive the annuity income.

Like variable life insurance, the funds invested in a Variable Annuity are invested in portfolios of securities in an account separate from the general assets of the insurance company. During the accumulation period, the growth of those funds is directly related to performance of the underlying securities.

Likewise, during the annuitization period, the value of each annuity payment will also fluctuate based on the performance of the underlying securities. A variable annuity offers more growth potential and investment choices than a fixed annuity, but also carries more risk.

Variable annuity policies provide the upside opportunity for the investor to grow the cash value of the policy by investing in securities. With this, however, comes the risk of negative portfolio or market performance and the possibility of losing the money in those investments. The insurance company does not guarantee investment returns and the cash value will fluctuate depending on the performance of the underlying portfolio investments.

An Equity Indexed Annuity (or “Indexed Annuity”) is a product that's performance is directly tied to a major stock market index (such as the S&P 500). It is a cross between a fixed and variable annuity in that a equity indexed annuity offers the risk-stabilizing features of a fixed policy, yet has the upside market potential of a variable product.

An Equity Indexed Annuity should be considered as a long-term investment. In addition, the policyholder carries the risks of required waiting periods and limits on participations in market returns.

Learn what the experts know/Referrence Guide click below: http://finsecurity.com/for/h.html?kharis