I think you'll do as well as most professionals. Most professionals don't beat the market. Let's not over-rate my industry. But if you have time, you can be in good mutual funds that have good records.

The corporate killer downsizing is directly responsive to what the mutual funds have wanted.

I just don't like mutual funds. I think they're a rip-off.

There are tons of people who are late to trends by nature and adopt a trend after it's no longer in fashion. They exist in mutual funds. They exist in clothes. They exist in cars. They exist in lifestyles.

The best argument for mutual funds is that they offer safety and diversification. But they don't necessarily offer safety and diversification.

To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell.