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Actively managed funds require a bit more detective work. Here, the first thing you want to look for is a fund that has a consistent investment process over time, rather than one that has changed its approach over the years. Next, only consider funds that have a manager or management team that has been with the fund for a long time, preferably at least a decade. A fund is only as good as its manager, so you want to see his results over long periods of time. Be sure to only buy funds with reasonable expenses, nothing higher than 1.4% in annual costs. And only after a fund meets all those initial criteria should you look at performance. Here, you want a fund that beats most of its competition, say at least two-thirds of them, over a long-term time period of a decade or more. Look for a fund that has done well in both bull markets like 2003-2007 and in bear markets like 2008. Short-term performance isn't as important -- you want a fund with long-term staying power. you have to know some things about what's needed that cash loan loan lenders require. There is a significant difference between the traditional bank loan and payday personal loans. First of all, you can apply for a cash advance from a payday lender online in the comfort of your home. You don't have to walk into a building to talk to someone face-to-face. The most interaction you may have with a person is over the telephone.
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