Investing in Change

(Page 3 of 3)

May/June 1984
By Gail DeGeorge 
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Assess your financial situation. Consider how much money you can really afford to invest. Although the firms focusing on social criteria allow members to redeem their shares for cash at any time, it's usually best to invest only "extra" money . . . and certainly not the dollars you'll need to pay next month's bills.

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Contact the fund or company.Write or call (many funds have toll-free numbers) and ask them to send you a prospectus and other background literature.

Read the prospectus carefully. Required by the Securities and Exchange Commission (SEC), a prospectus is a report that includes information on a company's (or fund's) management, background, investment strategies, expected yields, and other necessary data. In most cases, the firm will provide detailed statistics on past earnings performance, too. A note of caution, though: The SEC does not regulate the contents of a prospectus. The accuracy of the information, and the desirability of the investment, are matters for you to determine . . . so study the literature thoroughly.

Ask questions. If there's something in the prospectus you don't understand (many are written in business/legal lingo), call or write the fund and ask for clarification.

Fill out your own paperwork.Most funds will include an application form when they send you their prospectuses. If you've studied carefully and feel confident you're making a sound investment decision, go ahead and fill out the forms yourself . . . you'll save a broker's fee. On the other hand, if you're not really sure that you're doing the right thing and feel that you need professional advice, do consult a reliable broker.

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