At some point in time, investors need to take a bit less risk.

But it said that investors needed more information in some areas.

The market could well be down just when the investor needed the money.

There's another reason why investors may not need to short a fund.

So investors may need to bone up on what's available where.

At the least, investors need to know what they are buying.

The big question, however, is whether any investor really needs such a fund.

Investors need to see that before they get too excited.

"Investors need to know what's going on at a company," he said.

But there are a few facts potential investors need to keep in mind.