ALL MUTUAL FUNDS SUCK!
So what works?
EXCHANGE TRADED FUNDS!
(Whaaaaaa-t? WHO?)

90% of mutual funds have terrible performance and charge the average investor way too much in expenses and taxes. New, "exchange-traded funds" (ETF's) are much better for investors. Better performance, cheaper and more tax efficient. ETF's are going to cause the death of mutual funds. Additionally, separate account management ... where investor holds a portfolio of individual stocks, --- as opposed to mutual funds, where the investor simply owns a unit of a pool of stocks --- are going to revolutionize the way the average person invests their money. Mutual funds are an anachronism of the 79's and 80's. EFT's and separate accounts are the way of the future, better performance, lower annual expenses and more tax efficient than mutual funds. " Casey Grigg, MBA BA Economics, Morgan Stanley / Goldman Sachs, but now, Brixworth Advisors his company.

Research it yourself.  I picked some good  URLS.

http://www.morningstar.com/Cover/ETF.html

And read http://www.morningstar.com/Cover/ETFs.aspx  cuz Motley Fool sez it best!

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