Professional Management – Trained, experienced investment professionals provide the research, selection and monitoring skills needed to manage an investment portfolio.

Diversification – Owning shares in a mutual fund allow an investor to participate in a diversified portfolio. Instead of placing "all of your eggs in one basket", diversification spreads the risk over many different securities.

Convenience – Mutual funds offer many conveniences. Investment programs can be started with relatively small amounts of money. Dividends and other gains can be automatically reinvested. Many funds offer features to automate both contributions and withdrawals. Regular fund statements ease bookkeeping by tracking an investor's purchases, withdrawals and reinvestments, as well as providing tax information.

Mutual Funds are not guaranteed investments, so be sure that the choices you make accurately reflect your risk tolerance and investment objective.