Many books cover principals, theories, and strategies used by investment professionals; however, they fail to present an easy-to-understand step-by-step format for the novice investor. This book describes the investment process starting with the recommendation of mutual fund companies, cost-effective funds, along with companies and funds to avoid. Mutual funds have proven to be an effective investment vehicle not only for the experienced investor, but also for beginners. If mutual funds are combined with traditional IRA's, Roth IRA's, 401(k)'s, and other tax-sheltered plans, financial security and accumulation of wealth can become a reality.