[DonDavis]

That's entirely too general of a question. Too many variables at play.

Sure, mine are cruising along nicely, but the term "mutual fund" is getting bastardized quite a bit over the last few years.

I'd have them go to https://www.daveramsey.com/smartvestor?int_cmpgn=no_campaign&int_dept=elp_bu&int_lctn=Homepage-Buckets&int_fmt=button&int_dscpn=HP_Bucket_2_SV_122619

Find one that's local, have a meeting. Costs nothing to just talk it out.

If your question is about learning what MF are and how they work, go there as well.

Highly recommended.