Bond Funds:

Bond funds generally have higher risks than money market funds, largely because they typically pursue strategies aimed at producing higher yields. Because there are many different types of bonds, bond funds can vary dramatically in their risks and rewards.

Stock Funds :

Although a stock fund's value can rise and fall quickly (and dramatically) over short term, historically stocks have performed better over long term than other types of investments - including corporate bonds and government bonds.

You can purchase shares in some mutual funds by contacting fund directly. Other mutual fund shares are sold mainly through brokers, banks, financial planners, or insurance agents. All mutual funds will redeem (buy back) your shares on any business day.

Making any sort of investment involved a certain amount of risk so it is always wise to seek advice of a professional before making any decisions.

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But once you have been with a non-standard sub prime lender for three years, as long as you keep up your mortgage payments you will have established a new history and can return to mainstream market with a new deal at a lower rate. Non-standard sub prime borrowers may also be referred to as 'sub-prime', 'complex prime' and 'credit impaired'.