1.   This is an insurance policy that buys funds which are invested on the stock Market.

2.   An increasing number of American mutual fund investors are buying their funds through professional advisers, paying fees for help in choosing among a proliferation of investment alternatives.

3.   And whatever the arguments against allowing investors to buy funds directly after reading advertisements, the fund profile satisfies a greater need.

4.   Another is to consider the typical level of portfolio turnover before buying a fund.

5.   As with all mutual funds, people who buy the fund should be aware of the tax consequences.

6.   At the same time, investors were buying bond funds.

7.   Beck recommended that investors focus instead on fundamentals and buy funds with attractive portfolios and enticing discounts.

8.   Before buying a fund that is likely to make a big distribution, it may be wise to ask when it intends to do so.

9.   Before buying new funds to add diversification, investors should consider where they will get the most bang for the buck, Ms. Voss Sanders said.

10.   Biotech is volatile, and buying a fund that focuses on biotech only slightly lessens the risk.