Many years ago, I invested about $50.00 each month in a fund. I bought the fund because the agent was my friend. He showed me how good the fund was and had a good return. I did it for five years. Each year, if it was a bad year, the fund lost more money than I did. If it was a good year, the fund earned less money than I did too. After two more years, I stopped it. I take care my own investment.