Well, I think about 75% of mutual funds underperform market index funds that charge fractions of the fees. And those are managed by pros with years and years o

Well, I think about 75% of mutual funds underperform market index funds that charge fractions of the fees. And those are managed by pros with years and years of training and experience. It's a tough world for the individual. Yes, the risk is higher, but the reward is also higher. One of the first things to learn is your own risk tolerance. That's key.