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.

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 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.

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

Car purchases are a big ticket item and family budgets are tight. And this gasoline thing has people uncomfortable. People that were intending to buy are I think holding off a little bit.