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Added on the 25/11/2020 19:36:50 - Copyright : Wochit
Mutual funds and exchange-traded funds, or ETFs, are valuable parts of a long-term investment stock portfolio. Managed by professionals, they allow you to buy into companies and securities that you may not have been able to on your own. But while both mutual funds and ETFs are considered low-cost investment products, they do cost money. So before you sign up for any of them, the most important thing to look at is the expense ratio--an umbrella term that covers all sorts of costs and fees. It's usually a percentage of the annual net assets in the fund and is deducted directly from the fund's gross assets. Even a small difference in a fund's expense ratios can result in significantly more fees paid or saved over time. For example, take $20,000 invested for twenty years at a 5% rate of annual, compounded growth. A fund with an expense ratio of 0.25% would return $50,595 at the end of twenty years. But a fund with an expense ratio of 1% would return just $43,822!
Housing prices show no price of dropping, and overall, US wages have remained stagnant for years, if not decades. But according to Business Insider, there are still a few ways one can purchase a home without having to come up with a downpayment--if you're prepared to put in the work. Active and former members of the military can get a Veterans Affairs loan of up to $484,350 in 2019, often with a lower interest rate than a conventional mortgage. This loan requires no down payment and no mortgage insurance--but comes with strict guidelines. The buyer must also pay a 'funding fee,' too. USDA loans help people in rural areas buy homes with zero money down, provided you have a 'low-to-moderate' income and can pay a 1% funding fee. An FHA loan asks for a 3.5% downpayment. However, it requires a credit score of 580 or higher and a debt-to-income ratio below 43%.
We highlight some of the hidden costs of purchasing a property. Before you even start looking for a property you should make sure your finances are in order, including checking your credit score and working out what you can afford for a deposit. Because once you’ve found somewhere you like, the real costs begin
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U.S. President Barack Obama attends an outdoor arrival ceremony in heavy rain, as the first sitting U.S. president to visit Laos. Rough Cut (no reporter narration).
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