If you consider the money untouchable, however, the riskier route may be worth it as your bucks have longer to multiply. My thinking is simple. The stock market has been on a roll almost seven year sand anyone can trot out hot numbers. You would have to be an idiot as a fund manager not to make money in this bull market. By the same token, one hot year proves nothing.
Any manager can get lucky in the short term.
It is the fund that consistently ranks among the best I will throw my money at every time. It has an appropriate moniker for a fund that targets technology stocks. It may not rank number one every year among its peers, but its consistency has kept me a happy camper. I also have growth, small business, and international funds. Even now, I may have too many, but shucks, I am still a wide-eyed boy after all.