TD mutual funds advice needed

[chev4x4]

TD is my main bank at which I have their select service account (locked up $5000 already). Now I still have around $20,000 left and I am thinking of purchasing TD mutual funds.

As a first-time fund investor with zero finance background, I do need some advice before talking to a TD FA.

My goals with $20,000 are:
1. No locked up
2. $1,000 to $1,500 annual return (is it too high for low risk funds?)
3. Tax free if possible
4. No hidden fees or penalty for withdrawal/transfer

My questions for you guys are:
1. When would be a good timing for entrance?
It looks like June (a bit before Canada day) was a good time for purchasing mutual funds from the charts below.

2. Low risk vs high risk funds
TD Comfort Conservative Inc Port-I (low risk)
http://img688.imageshack.us/img688/6544/tdcon.png

TD Health Sciences
http://img849.imageshack.us/img849/9689/tdhealth.png

Those are two funds that I am considering right now. Please educate me if there is a better one that suits my goals.

[Cerenity]

just from those 2 charts alone i'd say you're probably falling victim to the good ol looking thru the rear view mirror trap, of buying funds that have had good performance, thinking past performance dictates future performance.

assuming you arent looking to get in/out and will invest for a moderate length of time (few years):
if i were in your position, with limited knowledge, i would just pick an TSX index fund (or index ETF if you like), split the 20k into 10 chunks (2k each), and buy 1 chunk per month for the next 10 months.

if that's too slow for you, because you have additional income coming in you'll also want to invest, then feel free to split it up into less chunks, like 6 chunks (3k each), and buy 1 chunk per month for 6 months

[Stryker]

just from those 2 charts alone i'd say you're probably falling victim to the good ol looking thru the rear view mirror trap, of buying funds that have had good performance, thinking past performance dictates future performance.



+1 I think you're performance chasing.