Before you invest in a mutual fund you should:

1. Determine your investment objective.
   What is this investment going to be used for: education, buying a house, retirement etc.
   Sometimes your investment objectives will change as your life changes. An example of this would be getting married or having a child.
   
2. Determine your risk tolerance.
   You should ask yourself how much risk tolerance you are comfortable with. If your not sure, there are questionnaires that can help you determine what risk tolerance you have.
   
3. Determine your time horizon.
   Depending on your time horizon, it may affect your risk tolerance and the type of investment you are willing to invest in. For instance if you are going to be purchasing a house in the near future you may invest in a more secure investment rather than a riskier investment which you may invest in for your retirement because there is more of a time horizon.
   
4. Find out how much management fees are going to cost.
   Professionals manage a mutual fund therefore, there are going to be management fees associated with mutual funds. They determine which investments to invest in based on the mutual fund objectives. Different mutual funds have different management fees. Talk to your investment advisor to find out what the management fees are for the specific investment.

Commissions, trailing commissions, management fees and expenses all may be associated
with mutual fund investments.  Please read the prospectus before investing.  Mutual funds
are not guaranteed, their values change frequently and past performance may not be repeated.