{"id":32437,"date":"2025-12-12T03:15:42","date_gmt":"2025-12-12T07:15:42","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=32437"},"modified":"2025-12-22T23:04:33","modified_gmt":"2025-12-23T03:04:33","slug":"best-mutual-funds","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/best-mutual-funds\/","title":{"rendered":"Best Mutual Funds for Beginners: Fees, Pros, and Cons"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"32437\" class=\"elementor elementor-32437\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49810747 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"49810747\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-744c7a70\" data-id=\"744c7a70\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e5a4e0 elementor-widget elementor-widget-text-editor\" data-id=\"1e5a4e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mutual funds can be an option if youre looking for actively managed funds that are low risk and fairly diversified.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>When compared to index funds, though, theres a clear winner.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>With mutual funds, you have to pay a higher expense fee. Thats because the fund is actively managed by fund managers. But with index funds, the fees are much lower because those funds track an index like the S&amp;P 500.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Also index funds regularly outperform actively managed funds. After all, fund managers are just humans who have to use their judgement to see what might perform well. That means theyre often susceptible to error.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>That&#8217;s why I recommend you pick some reliable and historically <a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-invest-in-index-funds\/\" target=\"_blank\" rel=\"noopener noreferrer\">well-performing index fund<\/a> (more on this later). But if you want to consider mutual funds, heres a good place to start.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79fc4f02 elementor-widget elementor-widget-text-editor\" data-id=\"79fc4f02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 id=\"toc\">The Best Mutual Funds at a glance:<\/h2>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul>\n<li><a href=\"#5-best-mutual-funds\">The 5 Best Mutual Funds <\/a>\n<ul>\n<li><a href=\"https:\/\/investor.vanguard.com\/mutual-funds\/profile\/VWELX\" target=\"_blank\" rel=\"noreferrer noopener\">Vanguard Wellington Fund Investor Shares<\/a><\/li>\n<li><a href=\"https:\/\/investor.vanguard.com\/mutual-funds\/profile\/VGHCX\" target=\"_blank\" rel=\"noreferrer noopener\">Vanguard Health Care Fund Investor Shares<\/a><\/li>\n<li><a href=\"https:\/\/fundresearch.fidelity.com\/mutual-funds\/summary\/316184100\" target=\"_blank\" rel=\"noreferrer noopener\">Fidelity Magellan <\/a><\/li>\n<li><a href=\"https:\/\/www3.troweprice.com\/fb2\/fbkweb\/composition.do?ticker=PRNHX\" target=\"_blank\" rel=\"noreferrer noopener\">T. Rowe Price New Horizons Fund <\/a><\/li>\n<li><a href=\"https:\/\/fundresearch.fidelity.com\/mutual-funds\/summary\/316390822\" target=\"_blank\" rel=\"noreferrer noopener\">Fidelity Select Software &amp; IT Services Fund <\/a><\/li>\n<\/ul>\n<\/li>\n<li><a href=\"#how-mutual-funds-work\">How Mutual Funds Work <\/a><\/li>\n<li><a href=\"#how-to-choose-the-best-mutual-funds\">How to Choose the Best Mutual Funds <\/a><\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:heading --><\/p>\n<h2 id=\"5-best-mutual-funds\">The 5 Best Mutual Funds<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Keep in mind that this isnt a list of the best mutual funds performing at the very moment that youre reading this. Rather its a list of the mutual funds that fit two criteria for us:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li>Overall performance. This is performance in the long term, over a period of decades.<\/li>\n<li>Good banks. The funds come from banking institutions we trust and can rely on.<\/li><\/ul>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"best-mutual-fund-1\">#1. <a href=\"https:\/\/investor.vanguard.com\/mutual-funds\/profile\/VWELX\" target=\"_blank\" rel=\"noopener noreferrer\">Vanguard Wellington Fund Investor Shares (VWELX)<\/a><\/h3>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul>\n<li><b>Minimum investment: <\/b>$3,000<\/li>\n<li><b>Expense ratio: <\/b>0.24%<\/li>\n<li><b>1-year return: <\/b>10.60%<\/li>\n<li><b>3-year return: <\/b>9.38%<\/li>\n<li><b>5-year return: <\/b>10.76%<\/li>\n<li><b>10-year return: <\/b>9.86%<\/li>\n<li><b>Lifetime return: <\/b>8.36%<\/li>\n<li><b>Yield: <\/b>1.41%<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Started in 1929, the Vanguard Wellington Fund is the banks oldest mutual fund and the nations oldest balanced fund. Its a fund that has seen the countrys biggest economic downturns from the Great Depression to the Great Recessionand for good reason.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>In terms of asset allocation, the fund is moderately balanced including plenty of dividend-paying stocks as well as high-quality bonds. Overall, its a very well-balanced mutual fund designed to lower risk.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:block {\"ref\":33987} \/--><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"best-mutual-fund-2\">#2. <a href=\"https:\/\/investor.vanguard.com\/mutual-funds\/profile\/VGHCX\" target=\"_blank\" rel=\"noopener noreferrer\">Vanguard Health Care Fund Investor Shares (VGHCX)<\/a><\/h3>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul>\n<li><b>Minimum investment: <\/b>$3,000<\/li>\n<li><b>Expense ratio: <\/b>0.32%<\/li>\n<li><b>1-year return: <\/b>12.62%<\/li>\n<li><b>3-year return: <\/b>11.88%<\/li>\n<li><b>5-year return: <\/b>8.80%<\/li>\n<li><b>10-year return: <\/b>15.03%<\/li>\n<li><b>Lifetime return: <\/b>16.08%<\/li>\n<li><b>Yield: <\/b>.81%<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>This is a fantastic mutual fund with domestic and international investments in the healthcare sector. This includes things like medical supply companies, hospitals, and also pharma companies.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>It has returned an average 16.06% in annual gains since its inception in 1984 and continues to perform well today. And with a low expense ratio of .32%, you dont have to worry about being nickel-and-dimed by management fees.<\/p>\n<p><!-- \/wp:shortcode --><!-- wp:block {\"ref\":33987} \/--><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"best-mutual-fund-3\">#3. <a href=\"https:\/\/fundresearch.fidelity.com\/mutual-funds\/summary\/316184100\" target=\"_blank\" rel=\"noopener noreferrer\">Fidelity Magellan (FMAGX)<\/a><\/h3>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul>\n<li><b>Minimum investment: <\/b>$0<\/li>\n<li><b>Expense ratio: <\/b>0.77%<\/li>\n<li><b>1-year return: <\/b>31.25%<\/li>\n<li><b>3-year return: <\/b>14.33%<\/li>\n<li><b>5-year return: <\/b>17.62%<\/li>\n<li><b>10-year return: <\/b>12.61%<\/li>\n<li><b>Lifetime return: <\/b>15.98%<\/li>\n<li><b>Yield: <\/b>0.30%<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>This is a very popular mutual fund with investments in large-growth companiesand for good reason. Throughout the 1980s, famed investor Peter Lynch managed the fund to great success, averaging an annual return of 29.2%.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Since its inception in 1963, this fund has had some solid annual returnsoften beating the S&amp;P 500 as an investment (not that it matters too much).<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:block {\"ref\":33987} \/--><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"best-mutual-fund-4\">#4. <a href=\"https:\/\/www3.troweprice.com\/fb2\/fbkweb\/composition.do?ticker=PRNHX\" target=\"_blank\" rel=\"noopener noreferrer\">T. Rowe Price New Horizons Fund (PRNHX)<\/a><\/h3>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul>\n<li><b>Minimum investment: <\/b>$2,500<\/li>\n<li><b>Expense ratio: <\/b>0.76%<\/li>\n<li><b>1-year return: <\/b>56.23%<\/li>\n<li><b>3-year return: <\/b>29.74%<\/li>\n<li><b>5-year return: <\/b>29.32%<\/li>\n<li><b>10-year return: <\/b>20.06%<\/li>\n<li><b>Lifetime return: <\/b>12.50%<\/li>\n<li><b>Yield: <\/b>0%<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>The T. Rowe Price New Horizons Fund is a good fund that focuses on small- and mid-cap growth, investing in small but quickly growing companies. This includes companies that are developing new and innovative technologies as well as other products that are expected to be popular.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>One interesting thing to note about New Horizons is that it also includes investments in <i>private <\/i>companiesthose are companies that dont offer shares to the public (yet). These companies include the note-taking app Evernote.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>This fund is currently closed to new investors, but it may reopen in the future.<\/p>\n<p><!-- \/wp:shortcode --><!-- wp:block {\"ref\":33987} \/--><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"best-mutual-fund-5\">#5. <a href=\"https:\/\/fundresearch.fidelity.com\/mutual-funds\/summary\/316390822\" target=\"_blank\" rel=\"noopener noreferrer\">Fidelity Select Software &amp; IT Services Fund (FSCSX)<\/a><\/h3>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul>\n<li><b>Minimum investment: <\/b>$0<\/li>\n<li><b>Expense ratio: <\/b>0.71%<\/li>\n<li><b>1-year return: <\/b>45.80%<\/li>\n<li><b>3-year return: <\/b>25.18%<\/li>\n<li><b>5-year return: <\/b>28.74%<\/li>\n<li><b>10-year return: <\/b>21.01%<\/li>\n<li><b>Lifetime return: <\/b>16.90%<\/li>\n<li><b>Yield: <\/b>0.74%<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>This fund invests in some of the biggest tech and software companies out there including Microsoft, Visa, Adobe, and Google. Typically, about 80% of the assets are in tech companies.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>And if youre wondering how this fund has fared throughout the years, have no fear. Its survived the Tech Bubble Burst of the early 2000s as well as the 1987 stock market crash. Overall, its a great fund with high returns that has a proven track record of weathering the worst financial storms.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:block {\"ref\":33987} \/--><!-- wp:heading --><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:block {\"ref\":38252} \/--><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8303777 elementor-widget elementor-widget-heading\" data-id=\"8303777\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40ae8f9 elementor-widget elementor-widget-text-editor\" data-id=\"40ae8f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: e1b79f3a-754d-4e79-b801-09b01f3a867d --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1401310 elementor-widget elementor-widget-button\" data-id=\"1401310\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa2c1ef elementor-widget elementor-widget-text-editor\" data-id=\"aa2c1ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"how-mutual-funds-work\">How Mutual Funds Work<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Think of a mutual fund as a basket. In this basket are many different types of investments (e.g. stocks and bonds).<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>You and other investors pool your money together to invest in this basketotherwise known as a portfolio.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>That allows you to invest in portfolios you wouldnt otherwise be able to afford alone. Thats because youre investing with other people as well.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Theyre great because investors can pick a single portfolio that contains many different types of stocks, bonds, and other securities. Thats also known as diversification and lowers your overall risk when investing.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>And there are many different types of mutual funds too:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li><strong>Stock funds.<\/strong> These are funds that invest primarily in stocks. Typically, the funds fall into smaller categories named for the size of the organizations they invest in. For example, there are small-, mid-, and large-cap funds.<\/li>\n<li><strong>Bond funds.<\/strong> These are funds that invest primarily in bonds. As such, theyre typically seen as safer, lower risk investments.<\/li>\n<li><strong>Balanced funds.<\/strong> These are funds that invest in both stocks and bonds. Their goal is to maintain a specific <a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-rule-of-72\/\">asset allocation<\/a> between stocks and bonds. For example, there are <a href=\"https:\/\/www.cnbc.com\/2018\/10\/29\/ramit-sethi-best-advice-to-invest-for-retirement-target-date-funds.html\" target=\"_blank\" rel=\"noopener noreferrer\">target-date funds<\/a> that automatically readjusts your asset allocation as you get closer to retirement age.<\/li>\n<li><strong>Index funds.<\/strong> These fund track indexes such as the S&amp;P 500 and the Dow Jones Industrial Average. These are incredibly popular funds due to their consistency and their low expense ratios. After all, they dont require a fund manager since they just track and index.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>REMEMBER: People often refer to actively-managed funds when they talk about mutual fundseven though index funds are technically mutual funds as well.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Mutual funds typically pay out two ways for investors:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list {\"ordered\":true} --><\/p>\n<ol>\n<li><b>Distributions. <\/b>This is when a mutual fund has an asset that pays dividends such as stocks.<\/li>\n<li><b>Capital gains.<\/b> This is when you sell your mutual fund for more than you bought it for.<\/li>\n<\/ol>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>If you have an actively-managed fund, I wouldnt bet on it beating the market though. In fact, <a href=\"https:\/\/www.cnbc.com\/2017\/04\/12\/bad-times-for-active-managers-almost-none-have-beaten-the-market-over-the-past-15-years.html\" target=\"_blank\" rel=\"noopener noreferrer\">66% of large-cap active managers failed to beat the S&amp;P 500<\/a>.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Does that mean you should avoid getting mutual funds though? Not necessarily.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:block {\"ref\":33987} \/--><!-- wp:heading --><\/p>\n<h2 id=\"how-to-choose-the-best-mutual-funds\">How to Choose The Best Mutual Funds<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>The best mutual funds are index funds.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Why? Simple:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li><b>Low cost. The expense ratio for index funds is incredibly low. For example, Vanguards 500 Index Fund has an expense ratio of just 0.04%.<\/b><\/li>\n<li><strong>No active manager.<\/strong> Since they just track an index, that means theyre not prone to the mistakes that a human money manager makes.<\/li>\n<li><strong>Historically successful.<\/strong> Even when the S&amp;P 500 has a down year, the market always bounces back up. Dont believe me? Theres more than 100 years of evidence to support this.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Which index funds should you get? Here are a few of the most popular ones out there:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul>\n<li><a href=\"https:\/\/investor.vanguard.com\/mutual-funds\/profile\/VFIAX\" target=\"_blank\" rel=\"noopener noreferrer\">Vanguard 500 Index Fund Admiral Shares (VFIAX)<\/a><\/li>\n<li><a href=\"https:\/\/investor.vanguard.com\/mutual-funds\/profile\/overview\/vbtlx\" target=\"_blank\" rel=\"noopener noreferrer\">Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX)<\/a><\/li>\n<li><a href=\"https:\/\/investor.vanguard.com\/mutual-funds\/profile\/VTSMX\" target=\"_blank\" rel=\"noopener noreferrer\">Vanguard Total Stock Market Index (VTSMX)<\/a><\/li>\n<li><a href=\"https:\/\/www.schwabfunds.com\/public\/csim\/home\/products\/mutual_funds\/charts.html?symbol=SWPPX\" target=\"_blank\" rel=\"noopener noreferrer\">Schwab S&amp;P 500 Index Fund (SWPPX)<\/a><\/li>\n<li><a href=\"https:\/\/fundresearch.fidelity.com\/mutual-funds\/summary\/315911750\" target=\"_blank\" rel=\"noopener noreferrer\">Fidelity Spartan 500 Index Fund (FXAIX)<\/a><\/li>\n<\/ul>\n<p><!-- \/wp:list --><!-- wp:heading --><\/p>\n<h2>Index or Mutual Funds?<\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Mutual funds are a relatively low-risk way to start investing for your future. Theyre great if you like a hands-off, diversified style of investing.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>But investors should be wary of any actively-managed funds. After all, theyre managed by humans and humans are prone to mistakes.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Thats why I suggest you invest in an index fund that tracks an index for you. This takes the guesswork out of investing. It also has a historical track record of successeven in the worst economic disasters of our time.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>For more on mutual funds, be sure to check out our article <a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/all-about-mutual-funds\/\" target=\"_blank\" rel=\"noopener noreferrer\">all about mutual funds here.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-036d7e8 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"036d7e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tBudgeting is unsustainable. Start \u201cConscious Spending\u201d instead.\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f1b2bdf elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"f1b2bdf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e019eb\" data-id=\"3e019eb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-332ee95 elementor-widget elementor-widget-text-editor\" data-id=\"332ee95\" data-element_type=\"widget\" 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money from investors and uses it to buy a mix of stocks, bonds, or other assets for you. If you want to invest in mutual funds, there are a few that stand out: Schwab S&amp;P 500 Index Fund (SWPPX), Vanguard 500 Index Fund Admiral Shares (VFIAX), Fidelity [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":124897,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-32437","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/32437","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=32437"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/32437\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/124897"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=32437"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=32437"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}