If you own a mutual fund one investment idea is to look at their historical distribution. Some fund companies typically pay higher in one quarter than another, one such fund that the writer owns pays more in December than during the year. Whenever you find payments that are different over a normal year, it can mean an opportunity for you. If you want to switch between the family of funds and the cost is minimal, it can be worth your while to own another fund during the year, where you expect either higher returns or consistent payments and switch to the higher historical distribution fund for the payment.

Linking to dividend paying stocks, whenever there is an uneven flow of money based on historical distributions, there maybe an easy way to make money. It will take research on how the family of funds you are invested in and the fees to switch, but it can be worthwhile to switch to funds to get the easy money.For example if the dividend fund pays higher in December, if you are concerned with market fluctuations you can move your money to monthly income fund and then switch over to the Dividend fund to capture the higher payments and switch back.

There are more questions than answers, till the next time- to raising questions