[XLexusTech]

well let me put real time facts to my position on funds. in 10 years I am up 30+ on my funds.. includes deducting for expense fees.. (for which i keep my ratio below .10%)
this is not employee sponsored but post tax cash investment. ANYONE can do this.. the fund I quoted is an Admiral fund the same fund non Adminral VFINX has a 3K minimum investment and a slightly higher fee...all of my funds started at between 100-3K as NON admiral... and i moved them into admiral as they grew.

My point is that Funds can and should be part of a smart portfolio.

I have another pure stock account were i apply the principles here.. several DRIPS all smart names.. APPL, JNJ, KO, MCD XOM, CVX and so on... over the same period its up 17%.

then i have Gamblers... FB... for example which to date are doing real well for me.
My point here really is... in my opinion its a portfolio that has the principles of good funds+ individual stocks which are solid DRIPs and shooting star throw aways money looking for a good run.. is the way to go for me..