I have been a financial intermediary for over 12 years. I use my mutual funds almost every day not only with my clients but also with my own investments. Can my fund investments also affect my clients’ money? What are they different in and what are they the same?
In this article, despite the plural in the title, I will first reveal my own cards. I also bring my subjective view on the possible linking of personal experiences of financial intermediaries and preferences of their clients .
I believe that every financial intermediary partially transfers his financial habits and experience to his work. If I want to advise someone, I need to know how to deal with myself first . When I am doing well, there is a good chance that people who use my services will also be successful.
Sometimes people ask me what mutual funds I recommend to clients, but also in which mutual funds I invest myself . In the past, I have already published part of the mutual fund portfolio in various articles and this site. Now I can update it.
My investment in mutual funds is divided into two parts. Investing for a longer period is the majority and short-term speculative investments that I take rather as a form of play.
My closed one-year investment over the last year
These are short-term investments in mutual funds. It’s a game that makes me experience and I’m forced to watch the market. Then I use it when working with clients. I enjoy this game and it also brings me small financial gains.
Last year I sold the mutual funds you can see in the picture below. The order is not random. They are sorted by the time I sold them.
The whole strategy is based on the fact that I buy the shares of the mutual fund in decline and sell them later more expensive . Some investments lasted a few months and some just a few days. I have invested in some mutual funds repeatedly and therefore you will see them there several times.
I still used the same money around. Just from time to time, when there was an opportunity to earn more, I had something else to do. I used the investment platform offered by the European Investment Center.
How about my regular investments in mutual funds
Regular investment in mutual funds accounts for most of my investments for a longer period. I use target accounts on the platform from the European Investment Center, ocp, as (hereinafter referred to as EIC) and the Rytmus program from Pioneer Investments (hereinafter Pioneer).
What results do my clients achieve in mutual funds?
It’s true that I do experiments on my accounts. For people who use my services, I do not make short-term speculative investments in mutual funds. Mostly they are one-time investments for a period longer than 5 years and long-term regular investment in mutual funds.
Please see the figures below for the results achieved by mutual funds in some accounts. The first three accounts are in EIC and the other 2 are almost 10 year accounts in Pioneer. There is only a very brief description of each of them. Under the symbol is the abbreviation of the fund in EIC.