invest money In a shaky stock market, you may be enticed by funds that promise to make money whenever stocks fall. There is a group of funds that actually fulfill this claim. Yet most people should beware: They are definitely not recommended for the casual investor. They are called inverse exchange-traded funds, and as their name implies, their value moves in the opposite direction of their benchmarks. When the stock market rises, they fall; when the market falls, they rise. In addition, some of these funds are leveraged, which means that they bet against their benchmarks by a factor of, say, two to one or three to one. Take the ProShares UltraPro Short S&P 500, an inverse fund that shorts the S&P 500-stock index at three-to-one leverage. On Dec. 17, the E.T.F. closed up $2.63 for a gain of 6.10 percent for the day while the S&P 500 fell 2.08 percent. (Because of fees and other issues, index funds, inverse or not, typically don’t track indexes exactly.) But those impressive results don’t come easy. Inverse E.T.F.s aren’t designed for the average do-it-yourself investor. You aren’t likely to find them offered in your 401(k) for a good reason: Inverse E.T.F.s can quickly destroy the value in a portfolio. 48948
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