At least, it takes time, not much more than putting money in the bank. First you need to spend a little time, and then you can just tell the money. Others including Goldman Sachs, offer their opinions as well. – How to choose a mutual fund? I would expand this question into two parts. The more important of them is how to choose a mutual fund, mutual fund and which program to choose? At the same mutual fund may be a program of investing money only in the largest known and reliable companies ("blue chips") program of investment in shares of less well-known and large companies, the so-called second-tier companies, etc. Therefore, it is important to choose a program of investment, rather than mutual funds. If you are a novice investor, then select blue chips. pif itself can be choose from those longer exists, and is large enough. These data can be easily viewed on the site of the uif.
It turns out that mutual funds a better choice if you have little money for investment and / or you do not have the time and desire to invest their time out to deal with the investment. Shares. The advantages of mutual fund – is in many ways its shortcomings. Well, that does not need to think, to choose the investment strategy, choosing stocks to deal with taxation. However, it deprives you of opportunities to do everything yourself, and therefore potentially receive more income. In Pytheas selection of stocks and strategies taken by professionals. But these people are moving from one company to another without keeping continuity.