It is one of my 401 K par tech fund. I just could not believe that $10,000 dollars in 2009, now it worths more than $60,000 dollars.
Real Estate
Real Estate is a cyclical industry that is sensitive to interest rates, economic conditions (both nationally and locally), property tax rates, and other factors. Changes in real estate values or economic downturns can have a significant negative effect on issuers in the real estate industry. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Sector funds can be more volatile because of their narrow concentration in a specific industry. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available.
Short Term Redemption Fee
None
Who May Want To Invest
Someone who is willing to accept the potentially lower diversification and higher risks associated with investing in a particular industry or sector.
Someone who is seeking to complement his or her core holdings with investments concentrated in a particular sector or industry.
Actionable Item
I did purchase $300.00 US dollar on my 401 K Par technologies Charles Schwab. I will learn from the experience.
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