A more aggressive fund can multiply your money faster but if you are a 60-something retiring lola, you can't accept that kind of risk anymore.

You need to find out if they have been fairly consistent.

People are willing to pay their doctors for their annual check-up. I think people should start paying someone to give them an annual financial checkup.

It would be useless to go through all that soul searching to choose the fund that suits you only to find that the investment manager can do all that she likes with the fund.