What are your financial goals? Investing for a home, college, or retirement require different investment strategies, and thus selections of different types of mutual funds. If you’re investing for retirement 30 years from now, you may want to select “riskier" but potentially more rewarding funds than if you’re investing to buy a home in two years.

MAXIMUM SAFETY – Appropriate for individuals who require a high level of current income where the principal must be kept intact for some specific use in a relatively short time. This category is not favored as a long term objective because it lacks protection against inflation.

Emotion 1 – You watch a stock moving up. Curiosity

Emotion 2 – You watch its continued rise. Anticipation

Emotion 3 – You make the buy hoping for gain. Greed