The vast majority of mutual fund companies are run in a basically ethical manner.

Don't leave money on the table.

You want to maintain a balanced, diversified portfolio.

I would try to get funds below the mean (but) ... I'll pay a little more to get a superior fund.

Otherwise, you're leaving money on the table. That's not smart.

They're doing well because they don't correlate to the stock market.

Eventually, you're going to pay those taxes.

You're not going to have a diverse portfolio. You won't be able to ride the market swings.

Internet access is very valuable. (Participants) will see that their latest contribution has been received, that it's going where it's supposed to, and that their desires are being explicitly followed.