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If you’re looking for a mutual fund that produces income, there’s one for that, too. 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You gain exposure to the full spectrum of investments that make up the index fund or mutual fund.  ",[969],{"type":129,"attrs":970},{"color":773},{"type":764,"attrs":972,"content":973},{"level":766,"textAlign":34},[974],{"text":975,"type":22,"marks":976},"What’s the difference between index funds and mutual funds?",[977],{"type":129,"attrs":978},{"color":773},{"type":18,"attrs":980,"content":981},{"textAlign":34},[982],{"text":983,"type":22,"marks":984},"Index funds and mutual funds both offer ways you can invest in a diverse portfolio, but they don’t operate the same way, and it’s the major differences that change the way they affect your money. ",[985],{"type":129,"attrs":986},{"color":773},{"type":18,"attrs":988,"content":989},{"textAlign":34},[990],{"type":991},"hard_break","article-rich-text",{"_uid":994,"caption":12,"content":995,"component":1013,"show_search":543,"paste_content":1014,"number_of_rows":1048,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"f5939f22-efa3-414f-aded-4977a5a3173e",{"tbody":996,"thead":1006,"fieldtype":1012},[997],{"_uid":998,"body":999,"component":1005},"7e0fdad0-70ba-4142-a989-8d105c73bb8c",[1000,1003],{"_uid":1001,"value":12,"component":1002},"6cadbb10-72ba-4ed6-9387-0f16ef1d8036","_table_col",{"_uid":1004,"value":12,"component":1002},"c85a4b61-c22e-4f32-91b2-2c07457c4bc0","_table_row",[1007,1010],{"_uid":1008,"value":12,"component":1009},"29bc3d09-b01c-45fc-979d-3399131948ce","_table_head",{"_uid":1011,"value":12,"component":1009},"37809d83-3ffb-4364-98ca-82318a2a4feb","table","article-table",{"type":15,"content":1015},[1016,1021,1026,1031,1036,1041,1046],{"type":18,"attrs":1017,"content":1018},{"textAlign":34},[1019],{"text":1020,"type":22},"\tIndex funds\tMutual funds",{"type":18,"attrs":1022,"content":1023},{"textAlign":34},[1024],{"text":1025,"type":22},"Management\tPassive\tActive",{"type":18,"attrs":1027,"content":1028},{"textAlign":34},[1029],{"text":1030,"type":22},"Structure\tTrack an index\tVaried investing approaches",{"type":18,"attrs":1032,"content":1033},{"textAlign":34},[1034],{"text":1035,"type":22},"Fees and cost\tLow fees and higher costs\tMore fees and higher operating expenses",{"type":18,"attrs":1037,"content":1038},{"textAlign":34},[1039],{"text":1040,"type":22},"Tax efficiency\tGenerally more tax efficient\tGenerally less tax efficient",{"type":18,"attrs":1042,"content":1043},{"textAlign":34},[1044],{"text":1045,"type":22},"Returns\tDesigned to produce average returns\tManaged to outperform the market, though many do not",{"type":18,"attrs":1047},{"textAlign":34},"10",{"_uid":1050,"data":1051,"component":992},"aec7a194-57bf-40d0-a4cb-fd8daaf35664",{"type":15,"content":1052},[1053,1061,1083,1091,1099,1107,1115,1123,1159,1167,1175,1183,1204,1212,1220,1286,1294,1344,1362,1370,1377,1459,1466,1548,1556,1564,1572,1614,1622,1664,1672,1694,1702],{"type":764,"attrs":1054,"content":1055},{"level":923,"textAlign":34},[1056],{"text":1057,"type":22,"marks":1058},"Management",[1059],{"type":129,"attrs":1060},{"color":930},{"type":18,"attrs":1062,"content":1063},{"textAlign":34},[1064,1069,1078],{"text":1065,"type":22,"marks":1066},"Index funds are generally considered passive investments because they’re not actively managed. 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The opposite is true of mutual funds, where money managers ",[1067],{"type":129,"attrs":1068},{"color":773},{"text":1070,"type":22,"marks":1071},"make trades",[1072,1075,1077],{"type":31,"attrs":1073},{"href":1074,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/buying-stocks",{"type":129,"attrs":1076},{"color":821},{"type":823},{"text":1079,"type":22,"marks":1080}," with the goal of outperforming the market. ",[1081],{"type":129,"attrs":1082},{"color":773},{"type":764,"attrs":1084,"content":1085},{"level":923,"textAlign":34},[1086],{"text":1087,"type":22,"marks":1088},"Structure",[1089],{"type":129,"attrs":1090},{"color":930},{"type":18,"attrs":1092,"content":1093},{"textAlign":34},[1094],{"text":1095,"type":22,"marks":1096},"Index funds are limited to tracking a market index, while mutual funds can have a wide variety of investing approaches. ",[1097],{"type":129,"attrs":1098},{"color":773},{"type":764,"attrs":1100,"content":1101},{"level":923,"textAlign":34},[1102],{"text":1103,"type":22,"marks":1104},"Fees and cost",[1105],{"type":129,"attrs":1106},{"color":930},{"type":18,"attrs":1108,"content":1109},{"textAlign":34},[1110],{"text":1111,"type":22,"marks":1112},"Actively-managed mutual funds will most likely have higher fees than index funds. Index funds come with lower operating expense ratios and fewer fees all around. ",[1113],{"type":129,"attrs":1114},{"color":773},{"type":764,"attrs":1116,"content":1117},{"level":923,"textAlign":34},[1118],{"text":1119,"type":22,"marks":1120},"Tax efficiency",[1121],{"type":129,"attrs":1122},{"color":930},{"type":18,"attrs":1124,"content":1125},{"textAlign":34},[1126,1131,1140,1145,1154],{"text":1127,"type":22,"marks":1128},"Mutual funds are generally less tax-efficient than index funds. That’s in large part because the active trading in a mutual fund creates a “taxable event,” and you may need to pay ",[1129],{"type":129,"attrs":1130},{"color":773},{"text":1132,"type":22,"marks":1133},"capital gains",[1134,1137,1139],{"type":31,"attrs":1135},{"href":1136,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/capital-gains-tax-exemption-for-seniors-what-does-it-mean-for-you",{"type":129,"attrs":1138},{"color":821},{"type":823},{"text":1141,"type":22,"marks":1142}," (paying capital gains may also be dependent on where you hold these investments, as brokerage accounts, ",[1143],{"type":129,"attrs":1144},{"color":773},{"text":1146,"type":22,"marks":1147},"Roth accounts",[1148,1151,1153],{"type":31,"attrs":1149},{"href":1150,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/retirement/why-save-for-retirement-with-a-roth-ira",{"type":129,"attrs":1152},{"color":821},{"type":823},{"text":1155,"type":22,"marks":1156},", and traditional retirement accounts have different tax treatments).",[1157],{"type":129,"attrs":1158},{"color":773},{"type":764,"attrs":1160,"content":1161},{"level":923,"textAlign":34},[1162],{"text":1163,"type":22,"marks":1164},"Returns",[1165],{"type":129,"attrs":1166},{"color":930},{"type":18,"attrs":1168,"content":1169},{"textAlign":34},[1170],{"text":1171,"type":22,"marks":1172},"When it comes to returns, it’s a mixed bag for mutual funds and index funds. Index funds should produce average returns, but it’s also possible they can underperform the market. And while mutual funds aim to produce returns better than the market, they also can underperform. ",[1173],{"type":129,"attrs":1174},{"color":773},{"type":764,"attrs":1176,"content":1177},{"level":766,"textAlign":34},[1178],{"text":1179,"type":22,"marks":1180},"What are the pros and cons of index funds vs mutual funds?",[1181],{"type":129,"attrs":1182},{"color":773},{"type":18,"attrs":1184,"content":1185},{"textAlign":34},[1186,1191,1200],{"text":1187,"type":22,"marks":1188},"Index funds and mutual funds both have advantages and disadvantages, though some of the benefits overlap for index ",[1189],{"type":129,"attrs":1190},{"color":773},{"text":1192,"type":22,"marks":1193},"mutual 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especially since they’re not actively managed and don't incur all kinds of fees. ",[1236],{"type":129,"attrs":1237},{"color":773},{"type":778,"content":1239},[1240],{"type":18,"attrs":1241,"content":1242},{"textAlign":34},[1243,1249],{"text":1244,"type":22,"marks":1245},"Diversified investment portfolio:",[1246,1248],{"type":129,"attrs":1247},{"color":773},{"type":38},{"text":1250,"type":22,"marks":1251}," Index funds offer exposure to a wide range of investments through a single investment vehicle. ",[1252],{"type":129,"attrs":1253},{"color":773},{"type":778,"content":1255},[1256],{"type":18,"attrs":1257,"content":1258},{"textAlign":34},[1259,1265],{"text":1260,"type":22,"marks":1261},"Easy to invest: ",[1262,1264],{"type":129,"attrs":1263},{"color":773},{"type":38},{"text":1266,"type":22,"marks":1267},"You can invest in an index fund with many providers at a low cost. ",[1268],{"type":129,"attrs":1269},{"color":773},{"type":778,"content":1271},[1272],{"type":18,"attrs":1273,"content":1274},{"textAlign":34},[1275,1281],{"text":1276,"type":22,"marks":1277},"Consistent returns:",[1278,1280],{"type":129,"attrs":1279},{"color":773},{"type":38},{"text":1282,"type":22,"marks":1283}," Indexes have often performed well over long periods. ",[1284],{"type":129,"attrs":1285},{"color":773},{"type":18,"attrs":1287,"content":1288},{"textAlign":34},[1289],{"text":1290,"type":22,"marks":1291},"Cons",[1292],{"type":129,"attrs":1293},{"color":773},{"type":775,"content":1295},[1296,1312,1328],{"type":778,"content":1297},[1298],{"type":18,"attrs":1299,"content":1300},{"textAlign":34},[1301,1307],{"text":1302,"type":22,"marks":1303},"Tracking errors: ",[1304,1306],{"type":129,"attrs":1305},{"color":773},{"type":38},{"text":1308,"type":22,"marks":1309},"Your index fund may not perfectly replicate the results of a market index, sometimes due to fund rebalancing, which can be disappointing. ",[1310],{"type":129,"attrs":1311},{"color":773},{"type":778,"content":1313},[1314],{"type":18,"attrs":1315,"content":1316},{"textAlign":34},[1317,1323],{"text":1318,"type":22,"marks":1319},"Less control: ",[1320,1322],{"type":129,"attrs":1321},{"color":773},{"type":38},{"text":1324,"type":22,"marks":1325},"You won’t need to make decisions about investments, but you might not like that if you’re a hands-on investor. ",[1326],{"type":129,"attrs":1327},{"color":773},{"type":778,"content":1329},[1330],{"type":18,"attrs":1331,"content":1332},{"textAlign":34},[1333,1339],{"text":1334,"type":22,"marks":1335},"Market risk: ",[1336,1338],{"type":129,"attrs":1337},{"color":773},{"type":38},{"text":1340,"type":22,"marks":1341},"You can lose money in an index 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categories. ",[1409],{"type":129,"attrs":1410},{"color":773},{"type":778,"content":1412},[1413],{"type":18,"attrs":1414,"content":1415},{"textAlign":34},[1416,1422],{"text":1417,"type":22,"marks":1418},"Goal is to outperform the market:",[1419,1421],{"type":129,"attrs":1420},{"color":773},{"type":38},{"text":1423,"type":22,"marks":1424}," A well-managed mutual fund should outperform the market (though it's worth noting that many do not). ",[1425],{"type":129,"attrs":1426},{"color":773},{"type":778,"content":1428},[1429],{"type":18,"attrs":1430,"content":1431},{"textAlign":34},[1432,1438],{"text":1433,"type":22,"marks":1434},"Diversified portfolio: ",[1435,1437],{"type":129,"attrs":1436},{"color":773},{"type":38},{"text":1439,"type":22,"marks":1440},"As mutual funds have a variety of underlying investments, they typically offer solid diversification.",[1441],{"type":129,"attrs":1442},{"color":773},{"type":778,"content":1444},[1445],{"type":18,"attrs":1446,"content":1447},{"textAlign":34},[1448,1454],{"text":1449,"type":22,"marks":1450},"Matching funds: ",[1451,1453],{"type":129,"attrs":1452},{"color":773},{"type":38},{"text":1455,"type":22,"marks":1456},"Your company may provide matching funds to a retirement account you can use to invest in mutual funds (this depends on what your company offers).",[1457],{"type":129,"attrs":1458},{"color":773},{"type":18,"attrs":1460,"content":1461},{"textAlign":34},[1462],{"text":1290,"type":22,"marks":1463},[1464],{"type":129,"attrs":1465},{"color":773},{"type":775,"content":1467},[1468,1484,1500,1516,1532],{"type":778,"content":1469},[1470],{"type":18,"attrs":1471,"content":1472},{"textAlign":34},[1473,1479],{"text":1474,"type":22,"marks":1475},"Fees:",[1476,1478],{"type":129,"attrs":1477},{"color":773},{"type":38},{"text":1480,"type":22,"marks":1481}," Mutual funds can tack on a lot of fees and higher costs than index funds. ",[1482],{"type":129,"attrs":1483},{"color":773},{"type":778,"content":1485},[1486],{"type":18,"attrs":1487,"content":1488},{"textAlign":34},[1489,1495],{"text":1490,"type":22,"marks":1491},"Not as tax-efficient: ",[1492,1494],{"type":129,"attrs":1493},{"color":773},{"type":38},{"text":1496,"type":22,"marks":1497},"Mutual funds may not be as tax-efficient as index funds. ",[1498],{"type":129,"attrs":1499},{"color":773},{"type":778,"content":1501},[1502],{"type":18,"attrs":1503,"content":1504},{"textAlign":34},[1505,1511],{"text":1506,"type":22,"marks":1507},"Less frequent trading:",[1508,1510],{"type":129,"attrs":1509},{"color":773},{"type":38},{"text":1512,"type":22,"marks":1513}," Mutual funds only trade once per day. ",[1514],{"type":129,"attrs":1515},{"color":773},{"type":778,"content":1517},[1518],{"type":18,"attrs":1519,"content":1520},{"textAlign":34},[1521,1527],{"text":1522,"type":22,"marks":1523},"Higher 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Fees can diminish returns faster than you realize. ",[1546],{"type":129,"attrs":1547},{"color":773},{"type":764,"attrs":1549,"content":1550},{"level":766,"textAlign":34},[1551],{"text":1552,"type":22,"marks":1553},"Should I invest in an index fund or mutual funds?",[1554],{"type":129,"attrs":1555},{"color":773},{"type":18,"attrs":1557,"content":1558},{"textAlign":34},[1559],{"text":1560,"type":22,"marks":1561},"You can invest in both index funds and mutual funds as part of your portfolio, though your investing style, goals, and time horizon may influence which you choose right now. ",[1562],{"type":129,"attrs":1563},{"color":773},{"type":18,"attrs":1565,"content":1566},{"textAlign":34},[1567],{"text":1568,"type":22,"marks":1569},"Index funds are best for investors 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plan",[1683,1686,1688],{"type":31,"attrs":1684},{"href":1685,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/financial-advice/what-is-a-financial-plan-and-how-can-you-make-one",{"type":129,"attrs":1687},{"color":821},{"type":823},{"text":1690,"type":22,"marks":1691}," and investment portfolio. ",[1692],{"type":129,"attrs":1693},{"color":773},{"type":18,"attrs":1695,"content":1696},{"textAlign":34},[1697],{"text":1698,"type":22,"marks":1699},"Deciding between the two may come down to a case-by-case basis, and advice from a financial advisor can help you feel confident in decisions that will help you reach your financial goals. ",[1700],{"type":129,"attrs":1701},{"color":773},{"type":18,"attrs":1703,"content":1704},{"textAlign":34},[1705,1710,1718],{"text":1706,"type":22,"marks":1707},"Unbiased can ",[1708],{"type":129,"attrs":1709},{"color":773},{"text":1711,"type":22,"marks":1712},"match you with a financial advisor",[1713,1715,1717],{"type":31,"attrs":1714},{"href":818,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1716},{"color":821},{"type":823},{"text":1719,"type":22,"marks":1720}," who can help determine which fund type best fits your investment strategy.",[1721],{"type":129,"attrs":1722},{"color":773},[1724],{"_uid":1725,"image":1726,"title":1731,"subtitle":12,"component":1741,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1727,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1728,"copyright":12,"fieldtype":1729,"meta_data":1730,"is_external_url":543},118785659412722,"https://a.storyblok.com/f/185166/5685x4092/a1ea4b60bc/index-fund-vs-mutual-fund-what-s-the-difference.jpg","asset",{},{"type":15,"content":1732},[1733],{"type":18,"attrs":1734,"content":1735},{"textAlign":34},[1736],{"text":1737,"type":22,"marks":1738},"Index fund vs. mutual fund: what’s the 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Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1753,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1754,"copyright":12,"fieldtype":1729,"meta_data":1755,"is_external_url":543},19801386,"https://a.storyblok.com/f/185166/1986x1986/48279a1e44/alene-laney.jpg",{},"article-author","University of Utah, BA in English Literature & History ","Laney has more than 10 years of experience in media, including newsprint, public relations, marketing, and SEO content writing. \nHer work has been featured in national publications such as The Wall Street Journal, Fox Business, SoFi, Credible, and others.","Alene Laney is an award-winning journalist for Unbiased, where she breaks down financial topics related to retirement, investing, and banking. \n\nShe specializes in helping readers make the best decisions for their money with long-form content for brands and consumer publications.","alene-laney","authors/alene-laney",-20,[],224651374,"e2751bd8-55e4-46e9-94e4-ccce2929794c","2025-01-10T11:21:18.666Z",[],[1769],{"_uid":1770,"body":1771,"title":1788,"component":1789},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1772,1776,1780,1784],{"_uid":1773,"href":1774,"text":1775,"component":542,"openInNewWindow":558},"d0d47e5b-ad9e-4fa6-b373-197e25a42b45","https://www.unbiased.com/discover/financial-advice/best-financial-advisor","Best financial advisor",{"_uid":1777,"href":1778,"text":1779,"component":542,"openInNewWindow":558},"7e0bbb1b-6684-4103-9e9d-fcc32e992549","https://www.unbiased.com/discover/investing/best-growth-and-income-mutual-funds","Best growth and income mutual funds",{"_uid":1781,"href":1782,"text":1783,"component":542,"openInNewWindow":558},"3f1e08ea-448c-4091-b334-d8611a936cda","https://www.unbiased.com/discover/investing/mutual-fund-vs-hedge-fund","Mutual fund vs hedge fund",{"_uid":1785,"href":1786,"text":1787,"component":542,"openInNewWindow":558},"b5a56b27-e4d9-4088-afb5-2d44920ad1be","https://www.unbiased.com/discover/investing/index-fund-vs-mutual-fund","Index fund vs mutual fund","Related articles","app-links-list",{"_uid":1791,"title":1792,"plugin":1793,"og_image":12,"og_title":12,"description":1794,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"0fcd762e-d4fa-4dba-8006-849662387e50","Index fund vs. mutual fund: What’s the difference?","seo_metatags","Index funds and mutual funds are different, but a mutual fund can be an index fund, which can be confusing. We’ll clear up the difference and help you understand your investment options in this article. ",{"name":1796,"created_at":1797,"published_at":1798,"updated_at":1799,"id":1800,"uuid":1801,"content":1802,"slug":1810,"full_slug":1811,"sort_by_date":34,"position":1812,"tag_list":1813,"is_startpage":543,"parent_id":1764,"meta_data":34,"group_id":1814,"first_published_at":1815,"release_id":34,"lang":730,"path":34,"alternates":1816,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1803,"_uid":1751,"name":1796,"image":1804,"component":1756,"education":1807,"expertise":1808,"description":1809},"Senior Content Writer",{"id":1805,"alt":12,"name":12,"focus":12,"title":12,"filename":1806,"copyright":12,"fieldtype":1729,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],"app-article",[],[],"Index funds can be confused with mutual funds. We’ll clear up the difference between index funds and mutual funds to help you understand your money better in this article. ",[],"index-fund-vs-mutual-fund","discover/investing/index-fund-vs-mutual-fund",-1090,[],365491304,"99d95bb6-2c2b-48ca-9f60-27443d286f10","2025-12-02T15:46:51.464Z",[],{"left":727,"top":727,"width":1831,"height":1831,"rotate":727,"vFlip":543,"hFlip":543,"body":1832},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1834,1837,1838],{"title":1835,"exact":558,"href":1836},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1839,"disabled":558},"/discover/investing/index-fund-vs-mutual-fund",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1841},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777453964355]