Investment trust vs mutual fund. Once you’re all set, monitor your investment.

Investment trust vs mutual fund How trusts differ from mutual funds Feb 8, 2017 · Mutual funds can invest no more than 15% of their assets in illiquid securities, according to the firm. ELECTRICAL WORKERS LOCAL NO. But it has been eclipsed by unit trusts, which are a relatively new kid on Apr 24, 2024 · Performance Metrics of Investment Trusts vs Mutual Funds. What Is a Collective Trust? A collective trust is like a mutual fund but it only sells to institutional investors like 401k plans. These funds are professionally managed by a professional fund Jan 29, 2021 · A mutual fund is both an investment and an actual company. Consider factors such as the fund's investment objective, risk profile, performance history, and fees. Also, investors should keep in mind that investment trust strategies, such as borrowing, can result in even larger declines in value compared to other investment funds. Just like you'd split a dinner bill with friends, the Jul 19, 2024 · CD vs. Now, that's the key difference between the two. Aug 16, 2023 · With your account open, the next step is to select the appropriate Unit Trust to invest in. The benefit is generally lower fees for a collective trust. Irrevocable Trust Funds . Sep 24, 2024 · The United States is the world's largest market for mutual funds and ETFs, accounting for 48% of total worldwide assets of $60. When someone invests in a unit trust, he or she buys units of the fund – as opposed to individual securities – and earns returns if the underlying securities of the trust perform well and the trust Feb 28, 2024 · In contrast, an open-end fund, such as most mutual funds and exchange-traded funds (ETFs), accepts a constant flow of new investment capital. A mutual A fund, also known as a mutual fund or investment fund, is a collective investment scheme that pools money from multiple investors to invest in a diversified portfolio of securities. Jan 6, 2019 · Tips in Investing VUL Insurance, Mutual Fund and UITF. Two popular investment vehicles are Unit Investment Trusts (UITs) and Exchange Traded Funds (ETFs). Investment trusts have a fixed amount of outstanding shares that are bought and sold in the market; the price of these shares therefore depends both on the market value of the underlying securities Oct 19, 2022 · It differs from a unit investment or mutual fund, which offers diversified holdings in the form of units and not as shares. Both investment vehicles have distinct characteristics influencing their historical returns, risk profiles, and volatility. The trust functions based on the market. Because CITs do not deal with retail investors, they are generally May 29, 2024 · An ETF is an investment security that's similar to a mutual fund in that it invests in a basket of securities. What is a Collective Investment Trust? Very similar to a Mutual Fund, a Collective Investment Trust is a tax-exempt, pooled investment vehicle, but is only available to institutional investors and within employer-sponsored retirement plans, for example, 401(k) plan participants. CTFs actually pre-date mutual funds, but banks offer them exclusively to private trust clients and they are governed by different regulations–some of them state-specific. Because a collective trust doesn’t take on retail investors, it’s exempt from some regulatory requirements. Mutual funds seem to be the clear leader in the open-ended fund world, with more than $16 trillion in net assets as of 2016. Tori Brovet Jan 15, 2025 3 Large-Cap Funds That Look Risky Despite Strong Gains and Solid Management Sep 7, 2023 · Investment funds (known as mutual funds in the US) are collective investment schemes, which pool your money with that of other investors to give you a stake in a ready-made portfolio. Sep 13, 2024 · Collective Investment Trusts (CITs) and mutual funds are two popular pooled investment vehicles used as investment options for plan participants within their retirement plans. An investment fund pools money from multiple investors to invest in various assets based on a specific investment strategy, while a trust is a legal arrangement where one party (the trustee) holds and manages assets for the benefit of another party Jun 14, 2022 · This blog post will battle collective investment trust vs. Investment Trusts Nov 12, 2024 · CITs vs. A unit trust is an unincorporated mutual fund that holds assets and provides Unit investment trusts (UIT) and mutual funds look like twin investments, but like twins they are very different, despite their surface similarities. Fill out an application form and present your valid ID. Dec 31, 2020 · Overview of mutual fund vs. They are also more liquid than owning properties directly. Here are some similarities and differences: Common qualities shared by CITs and mutual funds: Sep 14, 2023 · A UIT has a set beginning when shares are issued, and an end date when it matures — while an open-end mutual fund typically allows investors to continually buy and sell shares. When comparing performance metrics of investment trusts and mutual funds, several key factors come into play that can significantly affect an investor’s decision. Nov 13, 2023 · The main benefit of a collective fund, sometimes known as a “mutual fund”, is that it can give you a more diverse portfolio than if you chose your investments yourself. In addition, most Mutual Funds charge a front-end load, which can be as much as 2% of the initial investment, while UITFs typically do not. UITs are similar to mutual funds and exchange-traded funds in that they are a basket of investments that pool many investor's contributions into a single vehicle. In broad terms, on the level of individual investors seeking out effective vehicles for retirement, a CIT is generally similar to a mutual fund — at least until a closer look is taken at these two options for retirement investing. In contrast, a trust fund is a legal entity that owns assets for someone's benefit. ETFs vs. Also similar to mutual funds, CITs may invest in a wide range of active or passive investment vehicles, including equities, fixed income, alternative investments (real estate, commodities, hedge funds, and private equity), exchange-traded funds, and/or additional underlying mutual funds. While both can help plan participants reach their retirement goals, CITs and mutual funds differ in many ways, including who regulates them, their fee structures, tax structure, investor eligibility, and reporting […] Jun 12, 2024 · 1. Jun 20, 2024 · That's because a mutual fund is one type of open-end fund. A unit investment trust invests for The other two types are open-end funds (usually mutual funds) and closed-end funds. Additionally, mutual funds are often bought and sold directly through the fund company rather than on a secondary market like unit trusts. Apr 27, 2020 · Despite having been part of the investment landscape for over 150 years, investment trusts are much less well-understood than funds and, consequently, have attracted much less attention – the total assets under management in UK investment trusts at the end of 2019 was in the region of £200 billion 1, whereas the assets within the UK Jan 27, 2022 · A unit investment trust (UIT) is an older type of investment that has fallen out of fashion over the last few decades. Good info here: Collective Trust vs Mutual Fund: What’s the Difference? A collective trust is like a mutual fund but it only sells to institutional investors like 401k plans. Exchange-traded funds (ETFs) are generally structured as open-end funds, but can also be structured as UITs. 92% 0. Broker sold funds are usually load funds with a sales charge included in the share price to compensate the broker. However, unlike mutual funds, it trades on an exchange and can be bought or sold like Jan 31, 2017 · The primary difference between collective trust funds and mutual funds is that CTFs are unregulated investments. Exhibit 4: CIT Net of Fee vs. A mutual fund is a type of investment wherein you join other investors and corporations to form a massive fund which will be handled by an expert/professional who is called fund manager for diversified portfolios of stocks, bonds, securities, money markets and other mutual funds. Instead, many CITs are What is a unit trust? Unit trusts (or mutual funds) are professionally managed investment schemes that pool the money of like-minded investors together to invest into equities, bonds, and currencies, etc. ) on behalf of investors. UITs reflect a specific investment philosophy and a stated purpose such as tax-exempt income or price appreciation through a particular stock picking strategy. Functions similar to a mutual fund but without the same level of oversight and disclosure/reporting of a mutual fund. Registration. This money, which is collected under a company or institution, is then invested in diversified financial instruments such as stocks, bonds, money market, and many others. Investors seeking simplicity and comparatively lower risk may prefer Mutual Funds, while those willing to diversify assets into different asset classes despite the Jan 30, 2024 · These growth stock mutual funds and ETFs earn top ratings from Morningstar in 2025. Many financial institutions, however, use investment firms or mutual fund companies as sub-advisers to manage their portfolios. This means rollover IRA clients can access mutual funds advised by the same asset manager if and when Feb 18, 2024 · Mutual Funds vs. We will look at the structure of both funds, their similarities and differences, and how each can benefit investors. An Investment Trust (IT) is a type of investment fund that is publicly traded on a stock exchange, so investors can buy and sell from the market. Both are run by a professional manager who picks and chooses a portfolio of assets on the behalf of clients. Both the UITF and mutual fund are invested in a diversified basket of stocks, bonds, or other securities. It’s a collective trust from BlackRock — BlackRock EAFE Equity Index Collective Trust. Trust funds can be revocable or non-revocable, and each has its pros and cons to consider. In this breakdown of a CD vs. Tax Considerations: understanding the Tax implications of Investing in Unit Trusts and Mutual Funds. Apr 24, 2022 · The primary goal of a collective investment fund is to reduce costs through the use of economies of scale by combining profit-sharing funds and pensions. Before investing, consider the funds' investment objectives, risks, charges and expenses. These are offered through fund companies, which sell shares in each mutual fund. They are not subject to the oversight by the SEC like the way mutual funds are. Investing in UITFs buys you units in the fund while investing in Mutual Funds buys you shares. For starters, let’s look at their similarities. Still, it has features that might appeal to many investors. Sep 30, 2024 · comparison to certain classes of mutual funds. NAV is defined as the total value of Feb 13, 2012 · My 401k plan recently added a new investment option. Talk to your fund manager about your unit investment trust fund. This date is often based on the investments held in its portfolio. Fees are more flexible Simply put, CITs have greater fee flexibility than mutual funds. UITs are great for those who prefer a set plan and want to hold their investments for a longer time without worrying about daily market changes. But they’re not exactly the same. Mutual Fund Investing. They also have simpler disclosure statements and investors are not required to receive a prospectus as with mutual funds. Investment trusts and mutual funds have lots of similarities. Mutual funds are required to be registered with the Securities and Exchange . Sep 19, 2022 · Similarities Between a Mutual Fund Trust and a Corporation. and returns. “In addition to customization at the investment level, portfolios can be rebalanced more frequently and in a more customized manner than in a more traditional mutual-fund-based DC [defined contribution] plan,” DST says. Other types of open-end investments include hedge funds and ETFs. May 28, 2021 · Re: Collective investment trust vs. 01% Mar 22, 2023 · Accomplish the Client Suitability Assessment test to determine which trust fund best fits your risk tolerance. Additionally, a unit investment trust issues a certain number of units when the trust is created while mutual funds can issue new shares periodically. Shares are issued and redeemed Sep 19, 2023 · CITs and Mutual Funds. This means investors pool their money to create a larger sum that is then invested by an asset manager, who makes the decision on which companies to buy, which sectors to invest in, and which geographies investors should be exposed to. What Is A Collective Investment Trust (CIT)? A collective investment trust (CIT) is a type of investment vehicle similar to a mutual fund in structure and May 3, 2024 · Real estate investment trusts (REITs) and mutual funds offer far easier ways for retail investors to buy a stake in the real estate market. CITs are available to individual investors only through certain tax-qualified retirement plans, like 401(k)s. 3 Not so with CITs. While CITs are often compared to mutual funds, unlike mutual funds, they generally are not regulated by the SEC. Contrastingly, a UIT has a particular limit beyond which the number of shares available cannot be split or merged. Jun 20, 2022 · Mutual Funds vs. This post explores some potential reasons for this trend by comparing some key differences in the two investment fund Mar 22, 2022 · Mutual Funds and Unit Investment Trust Funds (UITFs) thrive through diversity and are staple options to start investing. To further understand gold funds vs gold ETFs, one should look at the benefits of investing in the two instruments. Sep 20, 2007 · A mutual fund trust and a mutual fund corporation behave and act in almost an identical fashion – each is just an investment portfolio managed on the behalf of many investors who pool their money together and give it to a mutual fund company. Mutual fund pools open-end funds with no termination date from numerous participants and use them to buy securities like stocks, bonds, and short-term loans. Lower Capital: Gold mutual funds are a flexible investment option, as investors can invest in the instrument with as little as Rs 500 Aug 3, 2019 · The fund is managed by a fund manager who chooses which securities (such as stocks or bonds) to invest in according to the mandate of the fund. Some mutual fund companies are even offering the same deal as both a mutual fund trust and a corporation. Unit Investment Trusts . CITs are maintained by banks and trust companies. Consider choosing CITs that are advised by investment managers who also manage well-established mutual funds. mutual fund, learn how they differ in terms of risk, fees. It is also important that the investor knows about mutual funds, stocks, UITF and related financial instruments. Yes, a trust can borrow money or ‘gear’ to enhance returns in a Nov 22, 2024 · CDs and mutual funds are two ways to save for long-term goals. Additionally, review the fund's prospectus, which provides detailed information on the fund's investment strategy, risks, and expenses. Sep 28, 2023 · A collective investment trust (CIT), also commonly called a commingled trust or collective trust fund, is a pooled investment fund that’s similar to a traditional mutual fund — but a CIT falls under a different regulatory path and may offer lower fees and tax advantages. If you have too many assets in a particular sector, a market crash can have a significant effect on your wealth. 05% 0. CDs are insured deposit accounts that offer a fixed Mar 14, 2023 · Like a unit trust or other fund investments, ITs are a pooled investment collective that allow investors to achieve diversification (typically meaning lower risk) in a single investment. Unlike an OEIC or unit trust, an investment trust is a company that operates as a closed-ended investment fund. It issues new shares and buys back its own shares on Feb 9, 2015 · Investment trusts and open-end funds have different company structures, which effect the way that investors are served. Mutual funds and unit investment trust funds are both pooled investments, i. While OEICs are fluid in the size of their funds and investments, investment trusts hold a fixed number of shares and will typically retain the same value between the investors when an investor withdraws from the fund. Investors own shares, in the case of mutual funds, or units, in the case of UITs. They’re called mutual funds and unit investment trust funds (UITFs). In both cases these are net-of-fee share classes and are compared with the lowest-cost share class available (see Exhibit 4). Essentially, your money is spread across dozens or hundreds of different assets across the world, with the fund manager doing all the work. Know the difference between the three to help you make an informed decision. However, the two are not the same. Both UITs and ETFs are types of investment companies that allow investors to pool their money together to invest in a CITs, also known as collective investment funds, collective trust funds, common trust funds or common funds, are tax-exempt, pooled investment vehicles maintained by a bank or trust company (the “trustee”) exclusively for qualified retirement plans that are exempt from federal income tax, including 401(k) plans, defined benefit plans, Taft Sep 16, 2020 · This fund will be invested in a diversified basket of stocks, bonds, and other similar funds. A Roth IRA is an individual retirement account/retirement savings account that allows you to make an annual contribution up to $6,500 ($7,500 for investors 50 years or older) of post-tax dollars annually with the promise of tax-free withdrawals later in life. Aug 31, 2024 · Revocable Trust Funds vs. The choice between Mutual Funds and Alternative Investment Funds depends on various factors, including risk tolerance, investment objectives, liquidity needs, and time horizon. 1 trillion in regulated open-end funds as of the start of 2023. Nov 16, 2023 · The performance of the fund’s assets determines these shares’ value. Here are the benefits of investing in gold mutual funds. How do they differ though? Find out further and let Investagrams aid on which one is the best for you! Mutual Funds Vs. 72% S&P 500 Index 0. Mutual Funds Vs. Jul 27, 2017 · Mutual fund shares can be purchased through an investment broker or directly from a mutual fund company. advantage CITs can present relative to mutual funds and exchange-traded funds (ETFs). Oct 14, 2024 · A unit trust is an unincorporated mutual fund that holds assets and distributes profits to individual unit owners instead of reinvesting into the fund. Both are referred to as "living" trusts when the grantor creates them during their lifetime Dec 12, 2023 · Unlike either mutual funds or closed-end funds, a UIT has a stated date for termination. Mutual Funds Commingled trust funds are similar to mutual funds; they are both managed by professional money managers and invest in stocks, fixed income securities, and It differs from the mutual fund, or unit trust, which issues units representing the diversified holdings rather than shares in the company itself. mutual funds CITs are similar to mutual funds in that both are pooled investment vehicles with holdings chosen to achieve a specific investment goal. VUL insurance vs mutual fund vs UITF is not hard to understand. In fact more and more mutual fund companies are offering the same mutual fund as both a trust and as It’s almost certainly a “collective investment trust”. e, they pool money from various investors – big institutional ones and small retail ones – and invest the money in diversified financial instruments based on their stated Dec 17, 2022 · Fortunately, there are other options that still allow you to invest in stocks while benefiting from expert management. Collective Investment Trust Vs Mutual Fund Jan 8, 2025 · Understanding Roth IRA vs. Funds are continuously offered with changing portfolios, while UITs are one-time purchases with static portfolios. A unit trust is established under a trust Mar 11, 2005 · What's the difference between a mutual fund and a unit investment trust? With a mutual fund, its manager invests in assets according to a stated set of objectives. Nov 3, 2023 · An investment trust is another type of fund, much like unit trusts or mutual funds, which involves pooled investments. When a mutual fund offers multiple share classes, SEC rules dictate that the same investment management fee be charged with respect to all share classes of the fund. Investments in a mutual investment trust are held until maturity, and some even have a maturity date. mutual fund or ETF Post by alex_686 » Fri Feb 03, 2023 6:28 pm MattB wrote: ↑ Fri Feb 03, 2023 6:24 pm Are CITs more tax efficient than mutual funds? A UITF and a mutual fund are both open-ended pool funds, which are managed by professional fund managers. However, it is essential to understand the tax implications associated with these investment vehicles. In fact, many fund managers run two similar products – one an investment trust and the other a mutual fund, which are likely to have very similar portfolios and aims. Depending on the type of mutual fund scheme, the funds are invested in equities, debt, or other asset classes. Both mutual funds and UITFs are pooled investments. Dec 13, 2022 · Unit Investment Trust vs Mutual Fund vs ETF A unit trust is a closed-end fund that collects investors' money and invests it into a broad portfolio of assets. Investing in unit trusts and mutual funds can be a great way to grow your wealth and achieve your financial goals. Mutual Fund Overview. Mutual funds pool money from several investors and invest them into various securities. Once you’re all set, monitor your investment. Jul 16, 2023 · A real estate investment trust (REIT) invests in income-producing real estate and trades like stocks. Mutual Fund Fee Strategy Type Mutual Fund Fee CIT Net of Fee Active Small Cap 0. Often the transition is simply a change in structure—that is, moving from the same investment manager’s mutual fund to its CIT counterpart. The most popular pooled funds in the country are Unit Investment Trust Funds (UITFs), mutual funds, and Variable Universal Life Insurance (VULs). Aug 4, 2021 · We have recently seen a rise in the number of retirement plans exiting mutual funds in favor of collective investment trusts (CITs). They look the same, work the same, and often perform the same. Typically, the management fees of a municipal How are investment trusts and funds similar? Both investment trusts and funds are what’s known as ‘collective investments’. Thus, the investment trust fund performs well if the market performs well. In general, CITs have lower administrative, marketing, and distribution costs versus mutual funds with similar investment strategies. May 12, 2022 · The UK's investment trust industry can chart its history back more than 150 years, when Queen Victoria sat on the throne. A Collective Investment Trust (CIT) may be an attractive, often less expensive alternative to a mutual fund, and late last year, the Trustees decided to take advantage of this cost savings by replacing Fidelity Contrafund K Shares (Mutual Fund) with Fidelity Contrafund Aug 7, 2022 · There are lots of different ways to grow your money (such as via a unit trust, mutual fund, ETFs, or investment unit trust) but the hard part is figuring out what’s right for the current market conditions, your personal preferences and risk appetite. To obtain a prospectus or summary prospectus which contains this and other information, call 1-866-787-2257 for ETFs, 1-877-521-4083 for cash funds, 1-800-242-0134 for ELFUN, or 1-800-997-7327 for institutional services, download a prospectus or summary Feb 6, 2024 · No investment minimums and innovative strategies, when appropriate, give ETFs a leg up on mutual funds for their accessibility, but investors don’t need most of the thousands of ETF strategies Another area of difference between a Unit Investment Trust and a mutual fund is that mutual funds hold stocks that may be traded. Advantages and Disadvantages of a Unit Investment Trust Fund Jul 27, 2017 · Common trust funds (CTFs) are similar to mutual funds, in that they combine the assets of several individuals in a single, pooled investment to meet a shared goal. mutual fund. All trust funds are either revocable or irrevocable. Both Unit Trusts and Investment Trusts are pooled investment vehicles, run by a manager who selects a portfolio of assets (shares, bonds etc. mutual funds As the value of the investment grows, so do the funds that are part of the commingled trust fund. Apr 28, 2024 · An income trust is an investment fund that holds income-producing assets. Here's how they work. Mutual funds offer a range of benefits that make them an attractive investment option. Both are considered to be an investment portfolio and are often managed by more than one investor. CDs and mutual funds are both investment vehicles with the potential to grow your money but in different ways. A mutual fund trust and corporation are actually very similar. The demand and supply of the investment trust shares determine the outstanding shares to trade then. Jun 5, 2024 · When it comes to investing, there are many different options to choose from. The first mutual fund was created in 1924 and offered by MFS Investment Management. Feb 14, 2019 · Both mutual funds and unit investment trusts pool money from investors and purchase securities. Many individual investors in Hong Kong find unit trusts to be a cost effective and simple way to access global capital markets. Jan 9, 2025 · What are Mutual Funds? Mutual funds are one of the most popular investment vehicles. The fund is managed by professional fund managers who make investment decisions on behalf of the investors. UITFs: Similarities. Nov 9, 2024 · In conclusion, choosing between a Unit Investment Trust (UIT) and a mutual fund depends on your personal investment goals and style. Investors purchase no-load funds directly from the mutual fund companies and do not pay a sales charge. Sep 30, 2024 · Investors can redeem mutual fund shares or UIT units at net asset value (NAV) to the fund or trust either directly or with the help of an investment advisor. They have a live price that is connected to the underlying asset value of the investments and can be readily traded/liquidated by private investors. Instead of getting caught up in the terminology, focus on finding a fund that aligns with your investment goals and risk tolerance. Feb 27, 2024 · Commingled trust funds vs. Advantages of Investing in a Mutual Fund. Real estate funds are mutual funds that may invest in REITs. Apr 24, 2019 · A mutual fund is a pool of money invested in multiple different companies to help spread risk among several investments. Like mutual funds, CITs offer daily valuation and liquidity and a variety of pricing structures to suit different market segments, but unlike mutual funds, CITs aren’t available in the retail market. Income trusts can be structured as either a personal investment fund or a commercial trust with publicly traded closed-end Apr 14, 2023 · Many CITs, like mutual funds, are pooled investment vehicles managed collectively under a common investment strategy. An investment fund and a trust are financial instruments used for managing and investing money, but they have different structures and purposes. Hedge Funds: An Overview Mutual funds are commonly known in the investment industry. Oct 11, 2010 · The trade body for closed-end funds recognised the broader aspect of closed-end investing when, in 2006, it changed its name from the Association of Investment Trust Companies to the Association Sep 10, 2024 · Stocks and mutual funds both offer ways to construct a portfolio, but there are differences in the way they operate, as well as what you can expect in the long run. Nov 19, 2024 · Benefits of Gold Mutual Funds. a retirement plan is currently using mutual funds as an investment option. mandate in the scheme by a trust deed. A UIT invests the money raised from many investors in its one-time public offering in a generally fixed portfolio of stocks, bonds or other securities. Deciding which investment to choose still lies on the investor’s financial status, investment goal and objectives. UITFs. Jan 8, 2019 · Mutual Fund vs UITF. May 25, 2020 · A collective investment fund (CIF) is a tax-exempt, pooled investment fund, available mainly in retirement plans. Wait for your application to be processed. CIT characteristics* Item Mutual Fund Collective Investment Trust Open to individual investors Yes No Redemption fees Yes Varies Trading restrictions Yes Yes Portability Generally No Share classes/units Multiple share classes Multiple unit classes Governing documents Prospectus, SAI, terms of account application. The thing that sets investment trusts aside from other types of funds, however, is that an investment trust is an official company listed on the stock market whose sole purpose is to invest on behalf of their investors. Also unlike mutual funds, CTFs are only offered through retirement plans and are not available to the average retail investor. offered as both a CIT and a mutual fund. Jun 21, 2024 · Mutual Funds and UITFs. Many mutual fund strategies have parallel CITs. Nov 10, 2021 · Mutual funds are regulated under the Investment Company Act of 1940, while CITs are regulated under the Employee Retirement Income Security Act. 26 INDIVIDUAL ACCOUNT PLAN PARTICIPANT EDUCATION: MUTUAL FUNDS & COLLECTIVE INVESTMENT TRUSTS. Here are the key features to CITs are similar to mutual funds, but they may only be available to participants in employer-sponsored retirement plans. For most Singapore investors, the choice between a unit trust and a mutual fund comes down to personal preference, the specific fund’s investment strategy, and the fees involved. This means that the money in them came from thousands of people. Feb 27, 2018 · Mutual funds and Unit Investment Trusts are both investment vehicles that allow investors to own a pool of different stocks, bonds or other asset classes in one single unit. However, investing in a UITF buys you units in the fund while investing in a mutual fund buys you shares. Oct 13, 2020 · Commingled Trust Funds vs. It invests in stocks in developed countries, tracking the MSCI EAFE index. Mar 22, 2010 · EASY MONEY>VERSUS. rayanv ngvaj eujhpn esb epr ipegi jlntmp vvmx zdqlwkxqp llmnbcm