You two are right, there are not many mutual funds that are making money right now. I said that the average roi is 12 percent in the market. That statement is correct if you are willing to keep your money in the market. The market rewards patience. You may have a roi of -6 percent this year, 16 percent next year, and 26 percent the year after when the market rebounds.

Here is a fund that will probably give you 12 percent this year. The 1, 3, 5, and 10 year returns are excellent.

CGM Focus Fund-a small cap fund

http://finance.google.com/finance?client=ob&q=MUTF:CGMFX