There aren't any universals. You need to look at your proximity to your relatives, your health?I tell clients it's unique to their own situation.

We might buy a little of the fund in personal accounts before we have those interviews. That way we track the performance and see how it's behaved in different market phases.

There's huge overlap at a fund family.

No one fund family has all the best types of funds. One fund family might be good with domestic equities but lousy with bonds and international funds.

As long as it follows the index, size isn't an issue.

No one cares about distant relatives nowadays. They went out of fashion years ago.