A Policy You Can Hitch to Stocks

Article Abstract:

People who want to provide security for their families in the event of their death usually buy life insurance, for which a specific amount of protection is obtained for a specific yearly premium. But now there is a new type of insurance available which allows the purchaser to tie the worth of the insurance policy to the unpredictable stock market. This variable life insurance, which was once offered only by a handful of companies, is now fairly easy to obtain, and while the value may decrease, depending on the value of the securities to which your policy is tied, it will never drop below the amount of insurance purchased. Many companies offering this policy have professional portfolio directors managing the funds, and the policy holder may have the option of letting the professionals make decisions concerning their individual policies - when to switch securities, or which ones to invest in. There are tax advantages which these new policies offer, but be prepared to stay with this insurance program for the long haul as service charges reduce all profits earned in the first several years.

Insurance policies

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Why Value Line Stumbled

Article Abstract:

There are four Value Line stock funds, and over the years these funds have earned a good reputation. Then in 1983, the bottom fell out; none of the funds matched the Standard & Poor's 500-stock composite, and two of the stocks ended the year with losses. Some of the reasons plagued the entire industry, such as a volatile market; while others, such as pool investment judgement, and the use of a market evaluation system based entirely on hisorical information are Value Line's alone. In addition there was the bad decision to remain forty percent invested in long-term Treasury bonds throughout the bill market. But, although Value Line did have its share of problems in 1983, observers both inside and outside the company feel that Value Line will recover, and will perform as well in the future as they have in the past.

Performance

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Ten Little Funds that Could

Article Abstract:

Large size alone is not indicative of superb performance when it comes to mutual funds - often the best performing funds are small, with assets under $50 million, yet they are well managed and unencumbered with some of the traits which often slow down larger funds. Management of smaller funds often feel they have many investment options unavailable to larger funds. Yet small size alone does not mean the fund will do well - smaller funds also fail. Management and investment strategy should be considered, as well as the size of the fund. Ten of the best small mutual funds are described. They are: Federated Stock Trust, Fiduciary Capital, Fund of the Southwest, LBKL Capitol Opportunity, Legg Mason Value Trust, New Beginning Growth Fund, Nicholas II, REA- Graham Fund, Valley Forge Fund, and Westergaard Fund.

Measurement, Industry, Industries

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