The number one contributor to wealth creation from equities isn’t fund finding the top fund to invest, but ‘resilience’ - or the ability to continue investing small sums of money for the long term so that you can benefit from compounding in the long run. Constantly trying to predict the best performing fund will make you impatient and returns centric, and will reduce your investing resilience. To succeed with your investments, stop chasing that 1-2% additional return and focus on having a great investing process instead. That is, define your goals clearly, understand risk and reward, invest with the correct expectations, and maintain investing discipline and then arrive at the best mutual fund to invest in for your goals. If you do this, you can spare yourself the headache of trying to predict the top performing fund, and still achieve all your goals comfortably!