"...the average mutual fund investor hasen't done nearly as well as the stock market. If you have been investing the old-fashioned way," you've been spending too much money on Wall Street expertise and not investing enough in the market.An index mutual fund is a securities portfolio that seeks to duplicate the return of its target index(such as the Standard & Poor's 500 Index). The five most common obstacles that have defeated investors for decades:
1. Investors put their money in the wrong place at the wrong time.
2. Investors are investment illiterate.
3. Investors allow too much of their money to be siphoned off in fees.
4. Investors are too dependent on Wall Street professionals.
5. Investors don't know how to handle risk"
Winning with Index Mutual Funds by Tweddell and Pierce.
Nova Fund.
The Nova Fund's investment objective is to provide investment returns that correspond to 150% of the performance of the Standard & Poor's 500 Composite Stock Price Index.
Ursa Fund.
The Ursa Fund's investment objective is to provide investment results that will inversely correlate to the performance of the S&P500 Index. By moving between these funds with proper timing you can maximize your returns.