The year 2008 opened the eyes of many investors and financial experts who saw the markets lose several thousand points in a matter of months, and many, many individual stocks losing 50% or more of their value. The actions effectively made steady progress during this period could be counted on one hand. Work can be difficult to try to maintain a stable portfolio at any time, but at times like those that can be a nightmare.

People who owned mutual funds during this period were safer than most because investment funds generally spread their funds across the board because many of the investments and investment types.

If you are considering investing or reinvesting if retired during the economic downturn, will need to find funds with good cash flow, either through bonds or dividends. This is a very important factor if stocks decline again. Bonds can provide interest and dividend income take a percentage yield.

Here are some different funds that did well last year. Take your time and research each one to find out if it's financial objectives match yours. This list is compiled on potential future funding and long term performance.

• Franklin gold and precious metals has been one of the best funds this year and for the past 10 years. The fund has shown a consistent return of 14% and a current dividend of 8.3%. Since gold is now at an extremely high level, this fund will continue to thrive.

• The Fund seeks new business alternatives that focus their efforts on eco-friendly ways of doing business, renewable energy and energy conservation and environmental protection. Green energy is booming in the next 2 years and beyond and investment in this area can be very profitable.

• Franklin Utilities Fund has a dividend of 4% and an annualized return of 5.17%, which is several times better than most funds. Utilities have always been and are certain to remain solid investment for those interested in stability and balance, predictable revenue sources.

• Any municipal bond fund is a good choice. Although bond rates have risen recently, remains a great way to collect interest and maintain regular security principle.

Mutual funds are one of the safest investments in times of economic instability. Find a fund that fits your needs should not be difficult with more than 10,000 funds.