[legion]

How's the old saying go?

If you have good financial advise, you take it. If you don't, you sell it.

I get a wide variety of mutual funds and other financial products through work without fees or loads. Right now, the bulk of my assets are in my 401k (I had the good luck of starting it in 2000--essentially the bottom of the market), but I'm slowly adding more. I don't worry about beating the market in the short term, I worry about underperforming the market in the long term. From what I've seen, most investments (be they specific stocks, mutual funds, or even real estate) underperform the indexes (S&P, Dow, etc...) over the long term. It seems to me, matching the market puts you way ahead of most other investors. I don't spend a lot of time researching anything, I just have my money in index funds and let it ride. I figure I save time by not actively trying to manage my portfolio AND still come out ahead of everyone else.