Our philosophy: taking the long-term view
Today, too many individuals and investment firms concentrate solely on short-term performance. At Foresters Financial, we've always stayed focused on the long term. For more than 80 years—through several wars, recessions, and countless bull and bear market cycles—we've consistently provided guidance to help our clients reach their long-term financial goals.
Our conservative approach to investing means that regardless of what goal you're saving for—owning a home, sending a child to college, or funding your retirement—we encourage a long-term approach to investing. This, in fact, is the timeframe our mutual fund portfolio managers have in mind when they choose investments for the funds they manage. Here are some of the other goals we follow in managing our funds:
We respect risk at all times: Our appreciation for risk underlies all of the investment decisions we make.
We take fund performance very seriously: While we strive to have as many of our funds as possible in the upper half of their respective peer groups, we don't take on the risks that are necessary to be at the top of those groups.
We're willing to miss the biggest gains in bull markets: We don't think it's prudent to take the risks that are necessary to achieve those gains.
We seek lower volatility for our funds: Volatility is the enemy of long-term investors. At Foresters Financial, we believe that using a long-term strategy is the best way to achieve your financial goals. To help you stay on track to reach those goals, we try to minimize volatility as much as we can.
What types of mutual funds are available?
Foresters Financial offers the First Investors family of mutual funds which contains a wide variety of fund options to meet your short-term and long-term investing needs. You can use individual funds or a diversified portfolio of funds to meet your particular goals and objectives.
Our mutual funds are divided into two categories: core and non-core. Core funds are a building block in the foundation of your complete investment program. They generally carry a moderate level of risk and are well diversified. Examples of core funds include: Growth & Income, Total Return, and Investment Grade.
Non-core funds carry a higher degree of risk, but can be a good way to diversify a portfolio or to achieve a specific investment objective. International and Global are non-core funds that can give you access to growth opportunities outside the United States.
Whether you're a novice or an experienced investor, whether your goal is to provide a comfortable retirement, fund a college education, increase current income, save for a new home or provide tax savings, a Foresters Financial registered representative can help you decide on an appropriate mix of core and non-core funds for your investment portfolio.