Best Mutual Funds for 2019 and 2020

The best mutual funds to buy for 2019 and 2020 will contain a various set of types. Smart, passive, and active investors don't try to time the market by jumping in and out of investments in the short-term. We should instead employ a buy and hold strategy for periods of more than one year. With this investing thinking in mind, we can define funds which are the best mutual funds to buy and hold for 2019 and 2020.

Typically, when we choose the best funds to buys, investors are smart to choose among the top low-cost, no-load funds (mutual funds, exchange traded funds, or closed end funds). Investors are interested in long run for higher returns.

Way to Choose the Best Mutual Funds for Long Term

Best Mutual Funds for 2019 and 2020This website has successful to diversify the best mutual funds selections:
  • Always diversify selections. Selections may include bond funds, stock funds, and international stock funds.
  • Choose low cost index mutual funds if available .These index funds typically has low expense ratio fees.
  • Don’t choose best mutual funds because of the fund manager. Sometimes the best of portfolio managers know that they may perform below market averages like their indices.
  • Don't worry about past performance. No one can guarantee what will happen in future. Try buy and hold strategy and learn how to invest.

Best Stock Mutual Funds for 2019 and 2020

The followings are the list of best funds that focus on stocks or equities:
  • Vanguard 500 Index Fund (VFINX): It is always good to start building your portfolio with large-cap stock index fund. This best mutual fund can be the core holding, and this fund is less volatile. Total stock index funds are also good picks but for core holdings in 2018 to 2020. As an index fund like VFINX, VFINX has a very low expense ratio of 0.14 percent and an initial minimum purchase of $3,000.
  • Fidelity ZERO International Index Fund (FZILX): This Fidelity mutual fund is a new stock fund with zero percent expense ratio. This top fund invests mainly in international stocks. The regions may include Europe (UK, France, and Germany) and emerging markets (China, Taiwan, India).
  • Vanguard Small-Cap Index Fund (NAESX): Investing in small companies are essentials for diversification. NAESX is one of the low cost index mutual funds. Small cap funds typically include companies with market caps of less than $2 billion. Smaller companies are involved in the early stages of business operations. NAESX, as one of best mutual funds for 2019 and 2020, has a rock bottom expense ratio of 0.17 percent.

Best Bond Funds for 2019 and 2020

Bond prices will be falling if interest rate is rising. We have seen rate is higher in 2018 and possibly longer. These bond funds should prove to be leaders through 2020:
  • Fidelity Inflation-Protected Bond Index Fund (FSIQX): With inflation is running a bit high (>2%); investors need to invest in inflation protected bond funds. Mutual funds and ETFs tracking TIPS indexes offer easy, cheap access to inflation-protected bonds. As one of best bond mutual funds for 2018 and 2019, this FSIQX fund has 0.05 percent of expense fee. The minimum to invest is zero dollar.
  • Vanguard Short-term Investment Grade Bond Fund (VFSTX): When the Federal Reserve announced hiking an interest rate, you may want to tap down on the interest rate risk. One of a great way to do it is with a short-term bond funds like VFSTX. When interest rates are rising, intermediate- and long-term bonds will generally decline in price more than short-term bonds. The expense ratio for VFSTX is 0.20 percent and the minimum initial purchase is $3,000.

Best Balanced Funds for 2019 and 2020

If you want to take the one-fund approach, a smart way to do it is with balanced funds. Here are some of the best to consider for 2018 through 2020.
  • Vanguard Balanced Fund (VBINX): Stocks may outperform bonds in the 2018 to 2020 period. It is probably a good idea to invest in balanced funds like VBINX. This balance fund leans more toward stocks than bonds, which are a good idea. VBINX has an asset allocation of roughly two-thirds stocks and one-third bonds, which makes for solid moderate allocation that can easily stay ahead of inflation long term. The expense ratio for VBINX is just 0.19 percent and the minimum initial purchase amount is $3,000.
  • Vanguard Target Retirement 2050 Fund (VFIFX): Vanguard Target Retirement Funds offer a diversified portfolio within a single fund that changes its core asset mix over time. The 2050 fund invests in 4 Vanguard index funds, holding approximately 90% of assets in stocks and 10% in bonds. As millennial investors who will retire in 25 to 40 years in future, you need to invest in this single fund. This best balance fund has a low expense fee of 0.15 percent per year.
Once you have a list of the best mutual funds to buy in 2017, 2018 and 2019, it is imperative to remember that investing in just one mutual fund, unless it is a balanced fund. Typically, it is not a great idea to do that. Therefore, a combination of several of the above funds in one portfolio can make for a diversified mix of assets.

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