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I am looking on Edward Jones...

First what is the general opinion of Edward Jones on Mutual funds...


And as a 39 year old person who wishes ot retire middle-class by 60, how should I invest using the following Investment Pyramids .....



Cash and Cash Equivalents ....
The base level of investing is considered cash. This includes funds held in savings and money market accounts. Assets in this area are ideal for short-term financial needs. Excess cash, however, can represent missed opportunities for higher-yielding investments and can result in decreased purchasing power due to inflation.

Cash investments include:

Money market accounts
Savings accounts


Income ............

Income investments pay a fixed amount of interest and normally offer higher rates than cash investments. Generally, if interest rates decrease, bond prices will increase, and if rates increase, bond prices decrease. The longer the period before maturity, the greater an income investment's value will fluctuate as a result of interest-rate movements.

Income investments include:

Certificates of deposit (CDs)
Bonds (corporate, government, municipal)
Fixed annuities
Bond mutual funds
Collateralized mortgage obligations (CMOs)
Bond Unit Investment Trusts (UITs)


Agressive income .....

Aggressive income investments generally offer a higher current yield than income investments but carry additional risk. Aggressive income investments include corporate and municipal bonds rated below investment grade. These investments have a higher risk of defaulting or failing to make timely interest payments. Aggressive income investments also include mutual funds and annuities that hold these investments. In general, aggressive income investments will decline in value when interest rates in the economy rise.

Growth and Income ......
These investments offer potential growth through rising earnings and provide income through dividends. The prices of these securities will usually vary more on a day-to-day basis than the prices of income investments. However, their dividend income typically provides greater price stability than is generally found in pure growth investments.

Growth and Income investments include:

Common stocks with dividends
Equity mutual funds with dividends
Real estate investment trusts (REITs)
Balanced mutual funds
Convertible bonds
Variable annuities with growth-and-income subaccounts
Equity Unit Investment Trusts (UITs) with dividends


Growth .......
Although past performance is not a guarantee of future results, investments at this level have the potential to outperform income or growth-and-income investments. However, they offer little current dividend income and depend heavily upon earnings growth for their long-term returns. Because they pay little or no dividends, their prices can be more volatile.

Growth investments include:

Stocks of rapidly growing companies

Growth mutual funds
Growth Unit investment trusts
Variable annuities with growth subaccounts


Aggressive .......
Offering the potential for higher returns, agressive investments also carry higher levels of risk and price volatility. Such investments often trade at high valuations, pay no dividends and may depend on major improvements in business activity. Others may pay unusually high dividends that may be reduced or eliminated at any time.

Aggressive investments include:

Growth stocks with high valuations
Aggressive stock mutual funds
Industry sector mutual funds
Country or regional mutual funds
Stocks with unusually high dividends


International Investing .....
Securities of non-U.S. companies should represent at least 20% of an investor's portfolio. The Edward Jones Investment Policy Advisory Committee recommends that individuals invest through professionally managed international mutual funds. This strategy can potentially enhance their returns and reduce the risks of global investing, caused by currency fluctuation, political instability and differing securities regulation. This recommended percentage is subject to change due to market conditions.

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