3 Reasons Investing In Mutual Funds Might Not Be Your Best Bet

Trajan Wealth Mutual Funds
Trajan Wealth Mutual Funds

There’s no doubt mutual funds remain one of the most popular investment choices. The better-known funds are fairly safe, have occasionally better returns and take a lot of the guesswork out of investing for the shareholder. In these ways, they are an alternative to the blue-chip stock for investors who want to either participate in an entire category or automatically diversify their portfolio without all the heavy lifting. 

However, mutual funds are not the answer for every investor. There are some situations where having the extra bulk of a fund can work against an investor. Believe it or not, there are some financial advisors who prefer to downplay these potential disadvantages because they believe the offsetting benefits of a mutual fund can make up for the shortfall.

If you have always believed mutual funds are one of the only ways to invest, read on. There are some important things to consider before choosing a mutual fund.

Read more3 Reasons Investing In Mutual Funds Might Not Be Your Best Bet

Six Resources to Learn More About Finances and Investing

Just because you have a Financial Advisor doesn’t mean you should stop learning about finances. Being an educated investor will help you choose the right Financial Advisor with confidence and help you articulate your financial needs. Although finding up to date, unbiased information on investing can seem like a daunting task, here are a few suggestions to stay informed.

A Random Walk Down Wall Street – Burton Malkiel
If you talk to money experts, you are likely to get several recommendations for this authoritative investing book. Mr. Malkiel is an economist and investment manager offering comprehensive yet easy-to-read guides to investing. He details the need to comprehend life-cycle saving. The book provides an excellent introduction to the world of markets and investing as well as how the two work together.

Read moreSix Resources to Learn More About Finances and Investing

Trajan Wealth is Moving America Forward


Moving America Forward, a national television series celebrating the achievements and contributions of businesses and entrepreneurs across America recently interviewed Jeff Junior, President of Trajan Wealth about his long term success in helping people navigate the ever-changing economic landscape.

The show, hosted by William Shatner and Doug Llewelyn is dedicated to delivering quality educational programming honoring a variety of business owners that are moving our country forward.

Trajan Wealth was chosen as one of these businesses for their outstanding work in helping individuals and couples better understand and prepare for the challenges associated with retirement.

In this episode of Moving America Forward, Jeff Junior talks about common problems and concerns of pre-retirees and why working with an Advisor with a fiduciary standard is so important. He also shares his story of how a young Marine got started in the financial planning business and how Trajan Wealth can help people at any stage of life to secure their best financial future. In addition to retirement planning, Trajan Wealth also offers the following services:


  • Money Management
  • Annuities
  • Income Planning
  • Insurance
  • 401K Planning
  • Trusts and Wills

Read moreTrajan Wealth is Moving America Forward

4 Biggest Concerns of Pre-Retirees

No one can just flip a switch at age 65, quit his or her job and then start to relax on the veranda with an ice-cold lemonade every day. Before retirement, there are many different plans to make and strategies to put into place. While your individual concerns can vary depending on your situation, there are some common concerns faced by almost every pre-retirees.


Most pre- and post-retirees don’t plan to spend all their savings and liquidate all assets during their retirement. For the most part, retirees want to leave behind a legacy to their heirs. But as the economy constricts and it becomes harder to save money for retirement, the thought of leaving a legacy behind becomes a less practical desire.

The plans that a retiree can make in order to provide a legacy to his family after death will vary depending on many things. Some questions that pre- and post-retirees must ask themselves include:

Read more4 Biggest Concerns of Pre-Retirees

What Does Financial Freedom Mean to You?

Financial freedom is a concept a lot of people think about, yet it’s hard to define. For some, financial freedom may be the ability to pay bills without having to work. Others may consider it the ability to work at a job they love or being able to support a particular cause.

Let’s take a look at what financial freedom may mean for you as well as some ways to achieve this goal.

Know what you want to accomplish.

If you didn’t know where you wanted to go on vacation, you could spend your weekend or your week driving aimlessly on the highway before coming back home. While it was nice that you had an idea of what you wanted, a lack of planning held you back from realizing your dream trip. 

The same concept is true for your money. It’s nice to think about making money or having enough money to last a lifetime but you need a plan to make it happen. Therefore, the first step in your journey to financial freedom is to write concrete goals and how you will achieve them.

Rodney Brooks, of the New York Times published a book called ‘Is one million dollars enough?’ reminding us that there isn’t one answer for every scenario. Brooks points out, “If you want your retirement to be the same lifestyle as your working life, you must save and plan.” 

Read moreWhat Does Financial Freedom Mean to You?


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